FDIC-Insured – Backed by the full faith and credit of the U.S. GovernmentCertificates of Deposit - Consumer & Business Rates
| CD Term | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| 3 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 5 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 6 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 7 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 7 month Special# | $1,000 | 4.00% | 4.00% | $1,000 |
| 9 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 12 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 15 Month Special# | $1,000 | 4.02% | 4.10% | $1,000 |
| 18 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 24 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 30 Months^ | $1,000 | 2.25% | 2.28% | $1,000 |
| 36 Months | $1,000 | 2.25% | 2.28% | $1,000 |
| 48 Months | $1,000 | 2.25% | 2.28% | $1,000 |
| 60 Months | $1,000 | 2.25% | 2.28% | $1,000 |
#7 Month CD Special: Annual Percentage Yield (APY) of 4.00% is based off of an interest rate of 4.00% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
15 Month CD Special: Annual Percentage Yield (APY) of 4.10% is based off of an interest rate of 4.02% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
#7 Month CD Special: Annual Percentage Yield (APY) of 4.00% is based off of an interest rate of 4.00% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
15 Month CD Special: Annual Percentage Yield (APY) of 4.10% is based off of an interest rate of 4.02% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
IRA Certificates of Deposit
| CD Term | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| 12 Months | $500 | 3.00% | 3.05% | $10 |
| 18 Months | $500 | 3.00% | 3.05% | $10 |
| 24 Months | $500 | 3.00% | 3.05% | $10 |
| 30 Months^ | $500 | 2.25% | 2.28% | $10 |
| 36 Months | $500 | 2.25% | 2.28% | $10 |
| 48 Months | $500 | 2.25% | 2.28% | $10 |
| 60 Months | $500 | 2.25% | 2.28% | $10 |
IRA Money Market
| Minimum Opening Balance | Balance | Interest Rate | Annual Percentage Yield (APY)* | Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| $50 | $0.01 - $49,999 | 0.30% | 0.30% | $50 |
| $50 | $50,000 | 0.50% | 0.50% | $50 |
*APY = Annual Percentage Yield
**The daily minimum balance is the amount of principal in the account each day. A penalty may be imposed if there is an early withdrawal. Fees on accounts may reduce earnings.
^Our 30-month “bump up” CD and IRA CD feature a one-time rate increase to the current 30-month CD or IRA CD rate anytime during the term.
Online account opening available to New England residents only (New England = MA, RI, CT, VT, NH & ME).