Secure 4.00% APY* on a 21-Month Certificate of Deposit

Why Choose a CD with TCB

  • 4.00% APY*: Lock in a strong rate for the full 21-month term.
  • Full Deposit Protection: All funds are fully insured — even beyond the FDIC limit.
  • Local and Accessible: Branches in Roslindale, West Roxbury, Jamaica Plain, and Charlestown.
  • Easy to Open: Apply online or in person at a local branch
Apply Today

Certificate of Deposit Rates

Program Minimum Daily Balance to earn APY APY* Interest Rate Minimum Deposit to Open Account
**5 Month Special $1,000 4.00% 3.93% $1,000
**7 Month Special $1,000 2.00% 1.98% $1,000
**8 Month Special $1,000 3.75% 3.69% $1,000
12 Month $1,000 0.75% 0.75% $1,000
**21 Month Special $1,000 4.00% 3.93% $1,000
**5 Month Special
  • Minimum Daily Balance to earn APY $1,000
  • APY* 4.00%
  • Interest Rate 3.93%
  • Minimum Deposit to Open Account $1,000
**7 Month Special
  • Minimum Daily Balance to earn APY $1,000
  • APY* 2.00%
  • Interest Rate 1.98%
  • Minimum Deposit to Open Account $1,000
**8 Month Special
  • Minimum Daily Balance to earn APY $1,000
  • APY* 3.75%
  • Interest Rate 3.69%
  • Minimum Deposit to Open Account $1,000
12 Month
  • Minimum Daily Balance to earn APY $1,000
  • APY* 0.75%
  • Interest Rate 0.75%
  • Minimum Deposit to Open Account $1,000
**21 Month Special
  • Minimum Daily Balance to earn APY $1,000
  • APY* 4.00%
  • Interest Rate 3.93%
  • Minimum Deposit to Open Account $1,000

Certificates of Deposit

*Annual Percentage Yield (APY) effective 06-01-2025 and subject to change at any time without notice. APY is based on monthly compounding of interest. Disclosed APY assumes principal and interest remain on deposit. Any withdrawal of funds will reduce earnings.  Fees may reduce earnings. Penalties may be imposed for early withdrawals. This account will automatically renew at maturity. Maximum online account opening $250,000. Accounts with higher balances will need to be opened at a branch office.

**Your interest rate and APY will remain in effect until the first maturity date. Each renewal term will be 12-months. The interest rate and APY will be the same as we offer on a new 12-month time deposit on the maturity date, minimum balance (if any) and other features of the 12-month time deposit. Maximum opening balance $1,000,000. Valid for personal accounts only. Limited time offer and may be withdrawn without notice. 21-Month Special: Opening deposit funds cannot be originated from an account with TCB.

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