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CD Rate Trends

New Hampshire Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

New Hampshire CD rates range from 0.05% to 4.76% APY, verified by MonitorBankRates as of October 23, 2026. Current New Hampshire CD rates include Piscataqua Savings BankPiscataqua Savings Bank15 Pleasant St, Portsmouth, NH 03801A+5.0 ★Texas Ratio: 0.00%Real return: +1.06%APY minus CPIRate verified Oct 22, 2026 offering 5 Year CD at 4.76% APY, Machias Savings BankMachias Savings Bank900 Elm St, Manchester, NH 03101A+5.0 ★Texas Ratio: 3.11%Real return: +0.80%APY minus CPIRate verified Oct 22, 2026 offering 36 Month IRA at 4.50% APY, Align Credit UnionAlign Credit Union68 Lafayette Rd, Seabrook, NH 03874A5.0 ★Texas Ratio: 10.06%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 1.5 Year CD at 4.50% APY, GFA Federal Credit UnionGFA Federal Credit Union1448 Route 119, Rindge, NH 03461A+5.0 ★Texas Ratio: 5.25%Real return: +0.75%APY minus CPIRate verified Oct 23, 2026 offering Term Share Certificates - 48 Months at 4.45% APY, and St Marys Bank Credit UnionSt Marys Bank Credit Union200 McGregor St, Manchester, NH 03102A+5.0 ★Texas Ratio: 2.56%Real return: +0.65%APY minus CPIRate verified Oct 19, 2026 offering 18-Month Promo CD at 4.35% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in New Hampshire side-by-side. New Hampshire CD rates currently reach as high as 4.76% APY from Piscataqua Savings Bank at 15 Pleasant St, Portsmouth, NH 03801. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in New Hampshire

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New Hampshire 3 Month CD Rates

MonitorBankRates New Hampshire Average · 3 Month CD2.26% APY▲ 0.11% from last weekNational 2.13%
View 3-month CD rate trend

The average 3-month CD rate in New Hampshire is 2.26% APY, compared with 2.13% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
159 Frontage Rd, Manchester, NH 03103 6013
3 Month Certificate of Deposit
$0
3.90% ▲ 1.64% above New Hampshire avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 1.64% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
3 Month Certificate of Deposit
$1,000
3.80% ▲ 1.54% above New Hampshire avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 1.54% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 10 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
3 Month IRA Certificate of Deposit
$250
3.80% ▲ 1.54% above New Hampshire avg
View
▼
Rate3.73%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 1.54% above avgNationally 2.13%
Details

Rate History
No change since Sep 24, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 24, 2026: 3.80% APYSep 24, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 3 month
$500
3.75% ▲ 1.49% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▲ 1.49% above avgNationally 2.13%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 21, 2026: 3.75% APYOct 21, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 3 Month Premium
$50,000
3.65% ▲ 1.39% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 1.39% above avgNationally 2.13%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 25, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
111 Maplewood Ave, Portsmouth, NH 03801
Personal CD 3 Months
$500
3.56% ▲ 1.30% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 1.30% above avgNationally 2.13%
Details

Minimum daily balance to earn APY is $.01; $500 minimum deposit to open account

Rate History
No change since Oct 22, 2026 · 3.56% APY
3.06%3.56%4.06%Oct 22, 2026: 3.56% APYOct 22, 2026Oct 25, 2026
Precision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
7 Optical Ave, Keene, NH 03431 4320
3 Month Share Certificate
$500
3.56% ▲ 1.30% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 1.30% above avgNationally 2.13%
Details

Effective September 18, 2025; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 3 Month
$500
3.55% ▲ 1.29% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 1.29% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
3 Month Certificate of Deposit
$1,000
3.50% ▲ 1.24% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 1.24% above avgNationally 2.13%
Details

Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 20, 2026: 3.50% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
3 Month Jumbo Certificate
$0
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
3 Month Business Share Certificate
$0
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Call to get started; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
3 Month Share & IRA Certificate
$0
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
3 Month Share Certificate
$0
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
Share Certificate 3 Months
$500
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Penalty for early withdrawal applies; APY accurate as of 09/08/2026

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 3 Month
$500
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 3 Month
$500
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 3 Months
$500
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
3-Month Special Certificate
$1,000
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Rate History
No change since Oct 9, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
Business Certificates of Deposit - 3 Month - Special Offer
$1,000
3.25% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.99% above avgNationally 2.13%
Details

Special Offer

Rate History
No change since Oct 19, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
3 Month Regular Certificate
$0
3.00% ▲ 0.74% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.74% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
3 Month Certificate IRA
$0
3.00% ▲ 0.74% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.74% above avgNationally 2.13%
Details

Rate History
No change since Oct 22, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 25, 2026
Merrimack County SB
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
89 N Main St, Concord, NH 03301
Certificates of Deposit - Fixed Rate - 90 Day
$500
3.00% ▲ 0.74% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.26%▲ 0.74% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
3 Month Term Share Certificate
$1,000
2.75% ▲ 0.49% above New Hampshire avg
View
▼
Rate2.72%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 0.49% above avgNationally 2.13%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 17, 2026: 2.75% APYSep 17, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
IRA Term Share Certificates - 3 Month
$0
2.75% ▲ 0.49% above New Hampshire avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▲ 0.49% above avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
132 Main St, Colebrook, NH 03576
3 Month Certificate of Deposit - Benefit Plus
$500
2.53% ▲ 0.27% above New Hampshire avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.27% above avgNationally 2.13%
Details

Benefit Plus customers; interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
132 Main St, Colebrook, NH 03576
Certificate of Deposit - 3 Months - Benefit Plus
$500
2.53% ▲ 0.27% above New Hampshire avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.27% above avgNationally 2.13%
Details

Benefit Plus Customers

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
67 N Park St, Lebanon, NH 03766
CD - 3 Months
$500
2.50% ▲ 0.24% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▲ 0.24% above avgNationally 2.13%
Details

Rate History
No change since Sep 11, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 11, 2026: 2.50% APYSep 11, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
3 Month IRA
$100
2.35% ▲ 0.09% above New Hampshire avg
View
▼
Rate2.32%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.09% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days Interest

Rate History
No change since Oct 22, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 22, 2026: 2.35% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 3 Month CD
$500
2.35% ▲ 0.09% above New Hampshire avg
View
▼
Rate2.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▲ 0.09% above avgNationally 2.13%
Details

Early Withdrawal Penalty: 30 Days Interest

Rate History
No change since Oct 22, 2026 · 2.35% APY
1.85%2.35%2.85%Oct 22, 2026: 2.35% APYOct 22, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
132 Main St, Colebrook, NH 03576
3 Month Certificate of Deposit
$500
2.28% ▲ 0.02% above New Hampshire avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.02% above avgNationally 2.13%
Details

Interest compounded daily; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 8 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
Bangor Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
132 Main St, Colebrook, NH 03576
Certificate of Deposit - 3 Months
$500
2.28% ▲ 0.02% above New Hampshire avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▲ 0.02% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.28% APY · checked 8 times
1.78%2.28%2.78%Sep 18, 2026: 2.28% APYSep 18, 2026Oct 25, 2026
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Atwood Ln, Bedford, NH 03110
Personal Account CDs and IRAs - 3 Month CD
$2,500
2.02% ▼ 0.24% below New Hampshire avg
View
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▼ 0.24% below avgNationally 2.13%
Details

Method of Compounding: Simple; Personal accounts only

Rate History
No change since Oct 19, 2026 · 2.02% APY
1.52%2.02%2.52%Oct 19, 2026: 2.02% APYOct 19, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
3 Month TD Choice CD
$250
2.00% ▼ 0.26% below New Hampshire avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▼ 0.26% below avgNationally 2.13%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
3 Month TD Choice CD
$250
1.99% ▼ 0.27% below New Hampshire avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▼ 0.27% below avgNationally 2.13%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
29 S Main St, Newton, NH 03858
3 Month Certificate of Deposit
$1,000
1.55% ▼ 0.71% below New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▼ 0.71% below avgNationally 2.13%
Details

Rate History
1 change since Sep 19, 2026 · 1.50% → 1.55% ▲ 0.05 pts · high 1.55% / low 1.50%
1.00%1.53%2.05%Sep 19, 2026: 1.50% APYOct 7, 2026: 1.55% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20261.55%▲ from 1.50%
  • Sep 19, 20261.50%first recorded
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
29 S Main St, Newton, NH 03858
Certificate of Deposit - 3 months
$1,000
1.55% ▼ 0.71% below New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▼ 0.71% below avgNationally 2.13%
Details

Minimum opening deposit $1,000; interest compounded monthly; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 2 times
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
IRA Share Certificates - 3 Months
$500
1.00% ▼ 1.26% below New Hampshire avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.26%▼ 1.26% below avgNationally 2.13%
Details

Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 1.00%

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
Bank of New England
Institution Rating:
B+4.7 ★Texas Ratio: 18.85%
31 Pelham Rd, Salem, NH 03079
Certificate of Deposit - 3 MONTHS
$0
0.25% ▼ 2.01% below New Hampshire avg
View
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.26%▼ 2.01% below avgNationally 2.13%
Details

Effective Date: 10/12/2026; $500 Minimum Balance Required

Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
3 month Certificate
$0
0.25% ▼ 2.01% below New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▼ 2.01% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
3 month IRA Certificate
$0
0.25% ▼ 2.01% below New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.26%▼ 2.01% below avgNationally 2.13%
Details

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
117 Main St, Lancaster, NH 03584
3-Month CD
$0
0.15% ▼ 2.11% below New Hampshire avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▼ 2.11% below avgNationally 2.13%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 25, 2026
Savings Bank of Walpole
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
68 Ames Plaza Ln, Walpole, NH 03608
3 Month Certificate of Deposit
$500
0.10% ▼ 2.16% below New Hampshire avg
View
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▼ 2.16% below avgNationally 2.13%
Details

$500 minimum to open

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 25, 2026
MVSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24 Nh 25, Meredith, NH 03253
90 Day CD or IRA CD
$0
0.10% ▼ 2.16% below New Hampshire avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.26%▼ 2.16% below avgNationally 2.13%
Details

Also available as IRA CD

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
287 Highland St, Plymouth, NH 03264
90-Day CD
$500
0.05% ▼ 2.21% below New Hampshire avg
View
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.26%▼ 2.21% below avgNationally 2.13%
Details

Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 19, 2026: 0.05% APYSep 19, 2026Oct 25, 2026

New Hampshire 6 Month CD Rates

MonitorBankRates New Hampshire Average · 6 Month CD2.89% APY▼ 0.06% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in New Hampshire is 2.89% APY, compared with 2.78% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
159 Frontage Rd, Manchester, NH 03103 6013
6 Month Certificate of Deposit
$0
4.07% ▲ 1.18% above New Hampshire avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 1.18% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 5 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
6 Month Business Share Certificate
$0
4.00% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Call to get started; Penalty for early withdrawal; 6-month term requires $250 minimum

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
6 Month Share & IRA Certificate
$0
4.00% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
6 Month Share Certificate
$0
4.00% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Minimum deposit of $250 for the 6-month term

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
Share Certificate 6 Months
$250
4.00% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Penalty for early withdrawal applies; APY accurate as of 09/08/2026

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
6 Months Special Certificate
$0
4.00% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Certificate Special; No additional deposits allowed during the term of the Certificate; excludes Youth Accounts

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
6 Month Certificate of Deposit
$1,000
3.90% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
6 Month IRA Certificate of Deposit
$250
3.90% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 25, 2026
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Atwood Ln, Bedford, NH 03110
6 Month CD/IRA CD
$2,500
3.90% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 1.01% above avgNationally 2.78%
Details

Method of Compounding: Simple

Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
3.35%3.88%4.40%Sep 30, 2026: 3.85% APYOct 3, 2026: 3.90% APYSep 30, 2026Oct 25, 2026
  • Oct 3, 20263.90%▲ from 3.85%
  • Sep 30, 20263.85%first recorded
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
6 Month Share Certificate
$0
3.85% ▲ 0.96% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Millyard Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
57 Northeastern Blvd, Nashua, NH 03062
6 Month CD
$0
3.80% ▲ 0.91% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Business & Personal CD; effective date of 8/20/2026

Rate History
No change since Sep 11, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 11, 2026: 3.80% APYSep 11, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
6 Month Certificate
$500
3.80% ▲ 0.91% above New Hampshire avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
6 Month IRA Certificate
$500
3.80% ▲ 0.91% above New Hampshire avg
View
▼
Rate3.74%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
6 Month Community Certificate of Deposit Special
$1,000
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
6 Month CD
$500
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Effective 10/16/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
6 Month IRA CD
$500
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 6 Month CD
$500
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Oct 13, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 6 Month IRA CD
$500
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
Business Certificates - 6 Months
$0
3.75% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Minimum balance of $1,000.00; no additional deposits allowed during the term of the Certificates; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
6 Month Certificate of Deposit Special
$1,000
3.70% ▲ 0.81% above New Hampshire avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
117 Main St, Lancaster, NH 03584
6-Month CD
$0
3.70% ▲ 0.81% above New Hampshire avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 19, 2026: 3.70% APYSep 19, 2026Oct 25, 2026
Merrimack County SB
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
89 N Main St, Concord, NH 03301
Certificates of Deposit - Fixed Rate - 6 Month Add-On
$500
3.65% ▲ 0.76% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 6 Month Premium
$50,000
3.65% ▲ 0.76% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 25, 2026
Precision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 6.00%
7 Optical Ave, Keene, NH 03431 4320
6 Month Share Certificate
$500
3.56% ▲ 0.67% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.67% above avgNationally 2.78%
Details

Effective September 18, 2025; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty

Rate History
No change since Oct 5, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 5, 2026: 3.56% APYOct 5, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 6 Month Certificate
$0
3.55% ▲ 0.66% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.66% above avgNationally 2.78%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.49%

Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 6 Month
$500
3.55% ▲ 0.66% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.66% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
6 Month Jumbo Certificate
$0
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
321 Main St, New London, NH 03257
6-month CD
$1,000
3.50% ▲ 0.61% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

CD special; available to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
321 Main St, New London, NH 03257
6-month IRA CD
$1,000
3.50% ▲ 0.61% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

IRA CD special; available only to Relationship Rewards, Platinum Checking, or any business checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 14, 2026: 3.50% APYOct 14, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 6 month
$500
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Savings Bank of Walpole
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
68 Ames Plaza Ln, Walpole, NH 03608
6 Month Certificate of Deposit
$500
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

$500 minimum to open

Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 3 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 6 Months
$500
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APYOct 15, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
6 Month Certificate
$0
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.50% ▼ 0.05 pts · high 3.55% / low 3.50%
3.00%3.53%4.05%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.50%▼ from 3.55%
  • Sep 14, 20263.55%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 6 Month Certificate
$0
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
6 Month Business Certificates of Deposit
$250
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

SPECIAL OFFER

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
6 Month Certificate of Deposit
$250
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Special Offer

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
Certificate of Deposit - 6 Months
$250
3.50% ▲ 0.61% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Special Offer; Rates effective September 21, 2026; $5.00 membership account required

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
Profile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
45 Wakefield St, Rochester, NH 03867
6 Month CD
$500
3.43% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.38%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.54% above avgNationally 2.78%
Details

Rate History
No change since Sep 11, 2026 · 3.43% APY · checked 8 times
2.93%3.43%3.93%Sep 11, 2026: 3.43% APYSep 11, 2026Oct 25, 2026
Camden National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
287 Highland St, Plymouth, NH 03264
6-Month CD
$1,000
3.35% ▲ 0.46% above New Hampshire avg
View
▼
Rate3.29%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Minimum balance $1,000.00; for individuals only; personal checking account required; new money only; offer for new accounts opened on or after 3/4/2026

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
6 Month Jumbo Certificate of Deposit
$100,000
3.35% ▲ 0.46% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
6 Month Jumbo IRA Certificate
$100,000
3.35% ▲ 0.46% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 6 Month
$1,000
3.35% ▲ 0.46% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 20, 2026: 3.35% APYOct 20, 2026Oct 25, 2026
Kennebunk Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
111 Maplewood Ave, Portsmouth, NH 03801
Personal CD 6 Months
$500
3.30% ▲ 0.41% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.41% above avgNationally 2.78%
Details

Minimum daily balance to earn APY is $.01; $500 minimum deposit to open account

Rate History
No change since Oct 22, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 22, 2026: 3.30% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
6 Month Regular Certificate
$0
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
6 Month Certificate IRA
$0
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Walden Mutual Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
66 N Main St, Concord, NH 03301
6 Month Local Impact Business CDs
$1,000
3.25% ▲ 0.36% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 11, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
2.50%3.13%3.75%Sep 11, 2026: 3.00% APYOct 3, 2026: 3.25% APYSep 11, 2026Oct 25, 2026
  • Oct 3, 20263.25%▲ from 3.00%
  • Sep 11, 20263.00%first recorded
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 6 Month
$500
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
MVSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24 Nh 25, Meredith, NH 03253
6 Month CD or IRA CD
$0
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Also available as IRA CD

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 6 Month
$500
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
Certificate - 6 months
$500
3.25% ▲ 0.36% above New Hampshire avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026

New Hampshire 12 Month CD Rates

MonitorBankRates New Hampshire Average · 12 Month CD2.96% APY▲ 0.04% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in New Hampshire is 2.96% APY, compared with 2.99% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
1 Year CD
$500
4.25% ▲ 1.29% above New Hampshire avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 1.29% above avgNationally 2.99%
Details

Effective 10/16/2026

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
1 Year IRA CD
$500
4.25% ▲ 1.29% above New Hampshire avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 1.29% above avgNationally 2.99%
Details

APY effective as of 10/16/2026

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 19, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
12 Month TD Choice CD
$250
4.15% ▲ 1.19% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 12 Months
$500
4.15% ▲ 1.19% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.96%▲ 1.19% above avgNationally 2.99%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 15, 2026: 4.15% APYOct 15, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
12 Month TD Choice CD
$250
4.14% ▲ 1.18% above New Hampshire avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 1.18% above avgNationally 2.99%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
12 Month Business Share Certificate
$0
4.10% ▲ 1.14% above New Hampshire avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Call to get started; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
12 Month Share & IRA Certificate
$0
4.10% ▲ 1.14% above New Hampshire avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
3.60%4.10%4.60%Sep 24, 2026: 4.10% APYSep 24, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
12 Month Share Certificate
$0
4.10% ▲ 1.14% above New Hampshire avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
Share Certificate 12 Months
$500
4.10% ▲ 1.14% above New Hampshire avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 1.14% above avgNationally 2.99%
Details

Penalty for early withdrawal applies; APY accurate as of 09/08/2026

Rate History
No change since Sep 18, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APYSep 18, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 1 Year CD
$500
4.05% ▲ 1.09% above New Hampshire avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 13, 2026: 4.05% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 1 Year IRA CD
$500
4.05% ▲ 1.09% above New Hampshire avg
View
▼
Rate3.97%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
55 Main St, Salem, NH 03079
1-Year CD
$1,000
4.00% ▲ 1.04% above New Hampshire avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Compounded: Daily

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
67 N Park St, Lebanon, NH 03766
12-Month CD/IRA Special
$500
4.00% ▲ 1.04% above New Hampshire avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 11, 2026: 3.75% APYSep 19, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
  • Sep 19, 20264.00%▲ from 3.75%
  • Sep 11, 20263.75%first recorded
Savings Bank of Walpole
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
68 Ames Plaza Ln, Walpole, NH 03608
1 Year Certificate of Deposit
$500
4.00% ▲ 1.04% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 1.04% above avgNationally 2.99%
Details

$500 minimum to open

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 24, 2026: 3.75% APYOct 22, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 22, 20264.00%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
12 Month Student Saver Certificate
$100
4.00% ▲ 1.04% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Eligibility: 18 or younger; Membership requires $10 balance in a savings or checking account; Early withdrawal penalty: 90 days - 365 days simple interest on principal withdrawn

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 11 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
12 Month Share Certificate
$0
4.00% ▲ 1.04% above New Hampshire avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Millyard Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
57 Northeastern Blvd, Nashua, NH 03062
12 Month CD
$0
3.95% ▲ 0.99% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.99% above avgNationally 2.99%
Details

Business & Personal CD; effective date of 8/20/2026

Rate History
No change since Sep 11, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 11, 2026: 3.95% APYSep 11, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
1 Year Certificate of Deposit
$1,000
3.85% ▲ 0.89% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
1 Year IRA Certificate of Deposit
$250
3.85% ▲ 0.89% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.89% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
12 Month Jumbo Certificate
$0
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
321 Main St, New London, NH 03257
12-month CD
$1,000
3.75% ▲ 0.79% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as an IRA CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Bar Harbor Bank & Trust
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
321 Main St, New London, NH 03257
12-month IRA CD
$1,000
3.75% ▲ 0.79% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

IRA CD special; available only to Relationship Rewards Checking, Platinum Checking, or any Business Checking account holders; also available as a CD; visit nearest branch

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 12 Month
$500
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Open an Account: Open Online (Opens in a new Window)

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 12 Month
$500
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 25, 2026
MVSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24 Nh 25, Meredith, NH 03253
1 Year CD or IRA CD
$0
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Also available as IRA CD

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 12 Month
$500
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 12 Month
$500
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Merrimack County SB
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
89 N Main St, Concord, NH 03301
Certificates of Deposit - Fixed Rate - 1 Year
$500
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
12 Month Premier Term Share Certificate
$1,000
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 17, 2026: 3.75% APYSep 17, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
Business Certificates - 12 Months
$0
3.75% ▲ 0.79% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.79% above avgNationally 2.99%
Details

Minimum balance of $1,000.00; no additional deposits allowed during the term of the Certificates; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
12 Month Certificate - Loyalty Pays Premium
$500
3.65% ▲ 0.69% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.69% above avgNationally 2.99%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
12 Month IRA Certificate - Loyalty Pays Premium
$500
3.65% ▲ 0.69% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.69% above avgNationally 2.99%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 12 Month Fixed
$25
3.60% ▲ 0.64% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 12 Month Variable
$25
3.60% ▲ 0.64% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
12 Month Certificate
$500
3.60% ▲ 0.64% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
12 Month IRA Certificate
$500
3.60% ▲ 0.64% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 12 Month Certificate
$0
3.60% ▲ 0.64% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.64% above avgNationally 2.99%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.54%

Rate History
No change since Oct 13, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 25, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
117 Main St, Lancaster, NH 03584
12-Month CD
$0
3.55% ▲ 0.59% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.59% above avgNationally 2.99%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 10 times
3.05%3.55%4.05%Sep 19, 2026: 3.55% APYSep 19, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
12 Month Certificate
$0
3.55% ▲ 0.59% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.59% above avgNationally 2.99%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55%
3.05%3.57%4.10%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.55%▼ from 3.60%
  • Sep 14, 20263.60%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 12 Month Certificate
$0
3.55% ▲ 0.59% above New Hampshire avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.59% above avgNationally 2.99%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
1 Year Jumbo Certificate of Deposit
$100,000
3.51% ▲ 0.55% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.55% above avgNationally 2.99%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
1 Year Jumbo IRA Certificate
$100,000
3.51% ▲ 0.55% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.55% above avgNationally 2.99%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 1 year
$500
3.51% ▲ 0.55% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.55% above avgNationally 2.99%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Oct 20, 2026: 3.51% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
12 Month Regular Certificate
$0
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
12 Month Certificate IRA
$0
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
12 Month IRA
$100
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 12 Month CD
$500
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Early Withdrawal Penalty: 90 Days Interest

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 12 month
$500
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
12 Month Starter CD
$100
3.50% ▲ 0.54% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.54% above avgNationally 2.99%
Details

Effective 10/16/2026; Starter CD: 2 additional deposits with a minimum of $100 available to members 5-17 years old

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 12 Month Premium
$50,000
3.45% ▲ 0.49% above New Hampshire avg
View
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.96%▲ 0.49% above avgNationally 2.99%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Sep 22, 2026: 3.45% APYSep 22, 2026Oct 25, 2026

New Hampshire 18 Month CD Rates

MonitorBankRates New Hampshire Average · 18 Month CD3.13% APY▲ 0.03% from last weekNational 2.88%
View 18-month CD rate trend

The average 18-month CD rate in New Hampshire is 3.13% APY, compared with 2.88% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
1.5 Year CD
$500
4.50% ▲ 1.37% above New Hampshire avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Effective 10/16/2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYOct 19, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
1.5 Year IRA CD
$500
4.50% ▲ 1.37% above New Hampshire avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.37% above avgNationally 2.88%
Details

APY effective as of 10/16/2026

Rate History
1 change since Sep 14, 2026 · 4.10% → 4.50% ▲ 0.40 pts · high 4.50% / low 4.10%
3.60%4.30%5.00%Sep 14, 2026: 4.10% APYOct 19, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.50%▲ from 4.10%
  • Sep 14, 20264.10%first recorded
St Marys Bank Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
200 McGregor St, Manchester, NH 03102
18-Month Promo CD
$500
4.35% ▲ 1.22% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.22% above avgNationally 2.88%
Details

Save longer with a great return; minimum deposit of $500 required to open the account and earn the stated APY; rate guaranteed from opening to maturity; APY accurate as of 10/16/2026

Rate History
No change since Oct 9, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APYOct 9, 2026Oct 25, 2026
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
1 Atwood Ln, Bedford, NH 03110
18 Month CD/IRA CD
$2,500
4.30% ▲ 1.17% above New Hampshire avg
View
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Method of Compounding: Monthly

Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 30, 2026: 4.10% APYOct 3, 2026: 4.30% APYSep 30, 2026Oct 25, 2026
  • Oct 3, 20264.30%▲ from 4.10%
  • Sep 30, 20264.10%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
18 Month TD Choice CD
$250
4.25% ▲ 1.12% above New Hampshire avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
18 Month TD Choice CD
$250
4.24% ▲ 1.11% above New Hampshire avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 1.11% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
18 Month Certificate - Loyalty Pays Premium
$500
4.20% ▲ 1.07% above New Hampshire avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
18 Month IRA Certificate - Loyalty Pays Premium
$500
4.20% ▲ 1.07% above New Hampshire avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 4 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 25, 2026
Rockland Trust
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
55 Main St, Salem, NH 03079
Select 18-Month CD
$1,000
4.15% ▲ 1.02% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Compounded: Daily

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 25, 2026
MVSB
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
24 Nh 25, Meredith, NH 03253
1 1/2 Year (18 Month) CD or IRA CD
$0
4.15% ▲ 1.02% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Also available as IRA CD

Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
18 Month Certificate
$500
4.15% ▲ 1.02% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
18 Month IRA Certificate
$500
4.15% ▲ 1.02% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
18 Months Special Certificate
$0
4.15% ▲ 1.02% above New Hampshire avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Certificate Special; No additional deposits allowed during the term of the Certificate; excludes Youth Accounts

Rate History
No change since Oct 19, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 19, 2026: 4.15% APYOct 19, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 1.5 Year CD
$500
4.10% ▲ 0.97% above New Hampshire avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 1.5 Year IRA CD
$500
4.10% ▲ 0.97% above New Hampshire avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 19, 2026: 4.10% APYOct 19, 2026Oct 25, 2026
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
20 E Broadway, Derry, NH 03038
18-Month CD
$500
4.00% ▲ 0.87% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, Collier county ZIP Code 34141); In-Branch Only; Minimum deposit of $500 to open and receive this APY; early withdrawal penalty applies

Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Oct 2, 2026: 4.00% APYOct 2, 2026Oct 25, 2026
Millyard Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
57 Northeastern Blvd, Nashua, NH 03062
18 Month CD
$0
4.00% ▲ 0.87% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Business & Personal CD; effective date of 8/20/2026

Rate History
No change since Sep 11, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 11, 2026: 4.00% APYSep 11, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
Business Certificates - 18 Months
$0
3.90% ▲ 0.77% above New Hampshire avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Minimum balance of $1,000.00; no additional deposits allowed during the term of the Certificates; early withdrawal penalty applies

Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
325 State St, Portsmouth, NH 03801
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.72% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
325 State St, Portsmouth, NH 03801
18-Month M&T Select CD
$1,000
3.85% ▲ 0.72% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Mascoma Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
67 N Park St, Lebanon, NH 03766
18-Month CD/IRA Special
$500
3.85% ▲ 0.72% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 11, 2026: 3.85% APYSep 11, 2026Oct 25, 2026
Merrimack County SB
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
89 N Main St, Concord, NH 03301
Certificates of Deposit - Fixed Rate - 1 1/2 Year (18 Month)
$500
3.85% ▲ 0.72% above New Hampshire avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Term: 1 1/2 Year (18 Month)

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Jumbo Certificate
$0
3.75% ▲ 0.62% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Jump-Up Jumbo Certificate
$0
3.75% ▲ 0.62% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Partners Bank of New England
Institution Rating:
A+5.0 ★Texas Ratio: 0.32%
501 Islington St, Portsmouth, NH 03801
REL 18-Month CD & IRA Special
$500
3.75% ▲ 0.62% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Relationship Bundle eligibility required; Bump Up CD, customer may increase rate one time during term if published rate increases; available as IRA

Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 20, 2026: 3.75% APYOct 20, 2026Oct 25, 2026
Savings Bank of Walpole
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
68 Ames Plaza Ln, Walpole, NH 03608
18 Month Certificate of Deposit
$500
3.75% ▲ 0.62% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.62% above avgNationally 2.88%
Details

$500 minimum to open

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
18 Month Certificate of Deposit
$1,000
3.70% ▲ 0.57% above New Hampshire avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Special interest rate; Open Online

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 10 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
18 Month IRA Certificate of Deposit
$250
3.70% ▲ 0.57% above New Hampshire avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 24, 2026: 3.70% APYSep 24, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
18 Month Share Certificate
$0
3.65% ▲ 0.52% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Passumpsic Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.85%
117 Main St, Lancaster, NH 03584
18-Month CD
$0
3.60% ▲ 0.47% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Annual Percentage Yield accurate as of Tuesday, September 8, 2026

Rate History
No change since Sep 19, 2026 · 3.60% APY · checked 10 times
3.10%3.60%4.10%Sep 19, 2026: 3.60% APYSep 19, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 18 Month Fixed
$25
3.60% ▲ 0.47% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 18 Month Variable
$25
3.60% ▲ 0.47% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Regular Certificate
$0
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Certificate IRA
$0
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Jump-Up Regular Certificate
$0
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
18 Month Jump-Up Certificate IRA
$0
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 18 month
$500
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
18 Month Business Certificates of Deposit
$250
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

SPECIAL OFFER

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
18 Month Certificate of Deposit
$250
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Special Offer

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
Certificate of Deposit - 18 Months
$250
3.50% ▲ 0.37% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Special Offer; Rates effective September 21, 2026; $5.00 membership account required

Rate History
No change since Oct 13, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 18 Month Premium
$50,000
3.35% ▲ 0.22% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.22% above avgNationally 2.88%
Details

Premium

Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 4 times
2.85%3.35%3.85%Sep 22, 2026: 3.35% APYSep 22, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
18 Month Premier Term Share Certificate
$1,000
3.30% ▲ 0.17% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 17, 2026: 3.30% APYSep 17, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 18 Month Certificate
$0
3.30% ▲ 0.17% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 18 Month
$500
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 18 Month
$500
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 28, 2026: 3.25% APYSep 28, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 18 Month
$500
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 18 Month
$500
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
18 Month Certificate
$0
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 18 Month Certificate
$0
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
24 Plaistow Rd, Plaistow, NH 03865
Certificate Account - 18 Month
$500
3.25% ▲ 0.12% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026

New Hampshire 24 Month CD Rates

MonitorBankRates New Hampshire Average · 24 Month CD2.57% APY▲ 0.13% from last weekNational 2.90%
View 24-month CD rate trend

The average 24-month CD rate in New Hampshire is 2.57% APY, compared with 2.90% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
2 Year CD
$500
4.45% ▲ 1.88% above New Hampshire avg
View
▼
Rate4.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.88% above avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
24 Month TD Choice CD
$250
4.30% ▲ 1.73% above New Hampshire avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.73% above avgNationally 2.90%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
20 N Main St, Bristol, NH 03222
24 Month TD Choice CD
$250
4.29% ▲ 1.72% above New Hampshire avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.72% above avgNationally 2.90%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
24 Month IRA
$100
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 24 Month CD
$500
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

Early Withdrawal Penalty: 180 Days Interest

Rate History
No change since Oct 22, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 24 Months
$500
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
24 Month Business Certificates of Deposit
$250
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

SPECIAL OFFER

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
24 Month Certificate of Deposit
$250
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

Special Offer; One-time bump-up option available

Rate History
No change since Oct 19, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 19, 2026: 4.25% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
Certificate of Deposit - 24 Months
$250
4.25% ▲ 1.68% above New Hampshire avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 1.68% above avgNationally 2.90%
Details

Special Offer; Available with one-time bump-up option; Rates effective September 21, 2026; $5.00 membership account required

Rate History
No change since Oct 13, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
1 1/2 Year CD
$500
4.24% ▲ 1.67% above New Hampshire avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.67% above avgNationally 2.90%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 3 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Millyard Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
57 Northeastern Blvd, Nashua, NH 03062
24 Month CD
$0
4.05% ▲ 1.48% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 1.48% above avgNationally 2.90%
Details

Business & Personal CD; effective date of 8/20/2026

Rate History
No change since Sep 11, 2026 · 4.05% APY · checked 9 times
3.55%4.05%4.55%Sep 11, 2026: 4.05% APYSep 11, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
24 Month Variable Rate Certificate
$0
3.95% ▲ 1.38% above New Hampshire avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 1.38% above avgNationally 2.90%
Details

Variable rate; dividend rate changes monthly based on Federal Funds Rate; dividend rate will never be less than 2.50% or exceed 5.50%

Rate History
1 change since Sep 14, 2026 · 3.69% → 3.95% ▲ 0.26 pts · high 3.95% / low 3.69%
3.19%3.82%4.45%Sep 14, 2026: 3.69% APYOct 10, 2026: 3.95% APYSep 14, 2026Oct 25, 2026
  • Oct 10, 20263.95%▲ from 3.69%
  • Sep 14, 20263.69%first recorded
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 24 Month
$500
3.75% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.18% above avgNationally 2.90%
Details

Open an Account: Open Online (Opens in a new Window)

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 24 Month
$500
3.75% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.18% above avgNationally 2.90%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 28, 2026: 3.75% APYSep 28, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 24 Month
$500
3.75% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 24 Month
$500
3.75% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 1.18% above avgNationally 2.90%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
24 Month Share Certificate
$0
3.75% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 1.18% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 24 Month Fixed
$25
3.60% ▲ 1.03% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 1.03% above avgNationally 2.90%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 24 Month Variable
$25
3.60% ▲ 1.03% above New Hampshire avg
View
▼
Rate3.54%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 1.03% above avgNationally 2.90%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
2 Year Jumbo Certificate of Deposit
$100,000
3.56% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.99% above avgNationally 2.90%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
2 Year Jumbo IRA Certificate
$100,000
3.56% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.99% above avgNationally 2.90%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Oct 14, 2026: 3.56% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 2 year
$500
3.56% ▲ 0.99% above New Hampshire avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.99% above avgNationally 2.90%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.56% APY · checked 2 times
3.06%3.56%4.06%Oct 20, 2026: 3.56% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Jumbo Certificate
$0
3.50% ▲ 0.93% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Jump-Up Jumbo Certificate
$0
3.50% ▲ 0.93% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.93% above avgNationally 2.90%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 24 month
$500
3.50% ▲ 0.93% above New Hampshire avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.93% above avgNationally 2.90%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 21, 2026: 3.50% APYOct 21, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
CDARS Certificates of Deposit & IRAs - 104 week (~2 year)
$250,000
3.41% ▲ 0.84% above New Hampshire avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.84% above avgNationally 2.90%
Details

Opening Deposit: IRAs 250,000

Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 2 times
2.91%3.41%3.91%Oct 20, 2026: 3.41% APYOct 20, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 24 Month Certificate
$0
3.30% ▲ 0.73% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.73% above avgNationally 2.90%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Regular Certificate
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Certificate IRA
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Jump-Up Regular Certificate
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
24 Month Jump-Up Certificate IRA
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Jump-Up: one-time option to raise the rate during the term

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
IRA Share Certificates - 24 Months
$500
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 3.20%

Rate History
1 change since Sep 14, 2026 · 0.40% → 3.25% ▲ 2.85 pts · high 3.25% / low 0.40%
0.00%3.05%6.10%Sep 14, 2026: 0.40% APYOct 23, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.25%▲ from 0.40%
  • Sep 14, 20260.40%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
24 Month Certificate
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 24 Month Certificate
$0
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
24 Month IRA Certificate
$500
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 19, 2026: 3.25% APYOct 19, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
Certificate - 24 months
$500
3.25% ▲ 0.68% above New Hampshire avg
View
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.68% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
24 Month Premier Term Share Certificate
$1,000
3.20% ▲ 0.63% above New Hampshire avg
View
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.63% above avgNationally 2.90%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.20% APY · checked 8 times
2.70%3.20%3.70%Sep 17, 2026: 3.20% APYSep 17, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
2 Year Certificate of Deposit
$1,000
3.15% ▲ 0.58% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 10 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
2 Year IRA Certificate of Deposit
$250
3.15% ▲ 0.58% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.57%▲ 0.58% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
2 Year CD
$500
3.10% ▲ 0.53% above New Hampshire avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.53% above avgNationally 2.90%
Details

Effective 10/16/2026; Online Only

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
2 Year IRA CD
$500
3.10% ▲ 0.53% above New Hampshire avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.53% above avgNationally 2.90%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 14, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 2 Year CD
$500
3.10% ▲ 0.53% above New Hampshire avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 13, 2026: 3.10% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 2 Year IRA CD
$500
3.10% ▲ 0.53% above New Hampshire avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
74 Pleasant St, Claremont, NH 03743
2 Year Online CD
$0
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Interest rate 2.96%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
24 Month Business Share Certificate
$0
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Call to get started; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
24 Month Share & IRA Certificate
$0
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
24 Month Share Certificate
$0
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
Share Certificate 24 Months
$500
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Penalty for early withdrawal applies; APY accurate as of 09/08/2026

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 25, 2026
Walden Mutual Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
66 N Main St, Concord, NH 03301
2 Year Local Impact Business CDs
$1,000
3.00% ▲ 0.43% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
24 Month Certificate - Loyalty Pays Premium
$500
3.00% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.57%▲ 0.43% above avgNationally 2.90%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026

New Hampshire 36 Month CD Rates

MonitorBankRates New Hampshire Average · 36 Month CD2.17% APY▲ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in New Hampshire is 2.17% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
3 Year CD
$500
4.60% ▲ 2.43% above New Hampshire avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 2.43% above avgNationally 2.81%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Oct 14, 2026 · 4.60% APY · checked 4 times
4.10%4.60%5.10%Oct 14, 2026: 4.60% APYOct 14, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
36 Month IRA
$100
4.50% ▲ 2.33% above New Hampshire avg
View
▼
Rate4.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 2.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 36 Month CD
$500
4.50% ▲ 2.33% above New Hampshire avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 2.33% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 22, 2026: 4.50% APYOct 22, 2026Oct 25, 2026
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 36 Months
$500
4.35% ▲ 2.18% above New Hampshire avg
View
▼
Rate4.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.17%▲ 2.18% above avgNationally 2.81%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 15, 2026: 4.35% APYOct 15, 2026Oct 25, 2026
Millyard Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
57 Northeastern Blvd, Nashua, NH 03062
36 Month CD
$0
4.10% ▲ 1.93% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.93% above avgNationally 2.81%
Details

Business & Personal CD; effective date of 8/20/2026

Rate History
No change since Sep 11, 2026 · 4.10% APY · checked 9 times
3.60%4.10%4.60%Sep 11, 2026: 4.10% APYSep 11, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
36 Month Business Certificates of Deposit
$250
3.65% ▲ 1.48% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.48% above avgNationally 2.81%
Details

SPECIAL OFFER

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
36 Month Certificate of Deposit
$250
3.65% ▲ 1.48% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.48% above avgNationally 2.81%
Details

Special Offer

Rate History
No change since Oct 19, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 19, 2026: 3.65% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
Certificate of Deposit - 36 Months
$250
3.65% ▲ 1.48% above New Hampshire avg
View
▼
Rate3.59%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.48% above avgNationally 2.81%
Details

Special Offer; Rates effective September 21, 2026; $5.00 membership account required

Rate History
No change since Oct 13, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 13, 2026: 3.65% APYOct 13, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
3 Year Jumbo Certificate of Deposit
$100,000
3.61% ▲ 1.44% above New Hampshire avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.44% above avgNationally 2.81%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
3 Year Jumbo IRA Certificate
$100,000
3.61% ▲ 1.44% above New Hampshire avg
View
▼
Rate3.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.44% above avgNationally 2.81%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.61% APY · checked 3 times
3.11%3.61%4.11%Oct 14, 2026: 3.61% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 3 year
$500
3.61% ▲ 1.44% above New Hampshire avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.44% above avgNationally 2.81%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 20, 2026: 3.61% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
36 Month Jumbo Certificate
$0
3.50% ▲ 1.33% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.33% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
CDARS Certificates of Deposit & IRAs - 156 week (~3 year)
$250,000
3.46% ▲ 1.29% above New Hampshire avg
View
▼
Rate3.40%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.29% above avgNationally 2.81%
Details

Opening Deposit: IRAs 250,000

Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 2 times
2.96%3.46%3.96%Oct 20, 2026: 3.46% APYOct 20, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 36 Month Fixed
$25
3.35% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.18% above avgNationally 2.81%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 36 Month Variable
$25
3.35% ▲ 1.18% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.18% above avgNationally 2.81%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 36 Month Certificate
$0
3.30% ▲ 1.13% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.13% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
36 Month Regular Certificate
$0
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
36 Month Certificate IRA
$0
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 36 month
$500
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 36 Month
$500
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 36 Month
$500
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 28, 2026: 3.25% APYSep 28, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 36 Month
$500
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 36 Month
$500
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
36 Month Certificate
$0
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 36 Month Certificate
$0
3.25% ▲ 1.08% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 1.08% above avgNationally 2.81%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
3 Year Certificate of Deposit
$1,000
3.15% ▲ 0.98% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 10 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
3 Year IRA Certificate of Deposit
$250
3.15% ▲ 0.98% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 36 Month Variable Rate Certificate
$0
3.15% ▲ 0.98% above New Hampshire avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.98% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
36 Month Premier Term Share Certificate
$1,000
3.10% ▲ 0.93% above New Hampshire avg
View
▼
Rate3.06%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.93% above avgNationally 2.81%
Details

Members must be Premier Checking Members to open; Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 3.10% APY · checked 8 times
2.60%3.10%3.60%Sep 17, 2026: 3.10% APYSep 17, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
36 Month Variable Rate Certificate
$0
3.10% ▲ 0.93% above New Hampshire avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.93% above avgNationally 2.81%
Details

Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .10% margin for 36 months; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
125 E Dunstable Rd, Nashua, NH 03062
36 Month CD
$500
3.00% ▲ 0.83% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.17%▲ 0.83% above avgNationally 2.81%
Details

APY effective as of 9/15/26; minimum balance required to open and earn APY

Rate History
No change since Sep 7, 2026 · 3.00% APY · checked 11 times
2.50%3.00%3.50%Sep 7, 2026: 3.00% APYSep 7, 2026Oct 25, 2026
Walden Mutual Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
66 N Main St, Concord, NH 03301
3 Year Local Impact Business CDs
$1,000
3.00% ▲ 0.83% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
36 Month Share Certificate
$0
3.00% ▲ 0.83% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.83% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
3 Year CD
$500
2.85% ▲ 0.68% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.68% above avgNationally 2.81%
Details

Effective 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
3 Year IRA CD
$500
2.85% ▲ 0.68% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.68% above avgNationally 2.81%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 3 Year CD
$500
2.85% ▲ 0.68% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 3 Year IRA CD
$500
2.85% ▲ 0.68% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 19, 2026: 2.85% APYOct 19, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP IRA Certificates - 3 Year IRA CD
$500
2.85% ▲ 0.68% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.68% above avgNationally 2.81%
Details

SEP (Simplified Employee Pension) IRA Certificate

Rate History
No change since Oct 19, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 19, 2026: 2.85% APYOct 19, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
36 Month Certificate - Loyalty Pays Premium
$500
2.80% ▲ 0.63% above New Hampshire avg
View
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.63% above avgNationally 2.81%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
36 Month IRA Certificate - Loyalty Pays Premium
$500
2.80% ▲ 0.63% above New Hampshire avg
View
▼
Rate2.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.63% above avgNationally 2.81%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 4 times
2.30%2.80%3.30%Sep 14, 2026: 2.80% APYSep 14, 2026Oct 25, 2026
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
159 Frontage Rd, Manchester, NH 03103 6013
36 Month Certificate of Deposit
$0
2.78% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
74 Pleasant St, Claremont, NH 03743
3 Year Online CD
$0
2.75% ▲ 0.58% above New Hampshire avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.17%▲ 0.58% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
36 Month Certificate
$500
2.74% ▲ 0.57% above New Hampshire avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.57% above avgNationally 2.81%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 3 times
2.24%2.74%3.24%Sep 18, 2026: 2.74% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
36 Month IRA Certificate
$500
2.74% ▲ 0.57% above New Hampshire avg
View
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.57% above avgNationally 2.81%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.74% APY · checked 3 times
2.24%2.74%3.24%Sep 18, 2026: 2.74% APYSep 18, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
36 Month IRA Certificate
$500
2.70% ▲ 0.53% above New Hampshire avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.70% APY
2.20%2.70%3.20%Oct 19, 2026: 2.70% APYOct 19, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
Certificate - 36 months
$500
2.70% ▲ 0.53% above New Hampshire avg
View
▼
Rate2.67%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.53% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.70% APY · checked 2 times
2.20%2.70%3.20%Oct 14, 2026: 2.70% APYOct 14, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
36 Month Term Share Certificate
$1,000
2.60% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.57%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.43% above avgNationally 2.81%
Details

Effective 10-18-2026

Rate History
No change since Sep 17, 2026 · 2.60% APY · checked 8 times
2.10%2.60%3.10%Sep 17, 2026: 2.60% APYSep 17, 2026Oct 25, 2026
Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.78%
1337 Hooksett Rd, Hooksett, NH 03106
IRA Term Share Certificates - 36 Month
$0
2.60% ▲ 0.43% above New Hampshire avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.43% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 3 times
2.10%2.60%3.10%Sep 14, 2026: 2.60% APYSep 14, 2026Oct 25, 2026
Primary Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
207 Route 101, Bedford, NH 03110
3 Year CD
$1,000
2.50% ▲ 0.33% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.17%▲ 0.33% above avgNationally 2.81%
Details

Minimum deposit to open is $1,000. Penalties for early withdrawal may apply.

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
36 month Certificate
$0
2.50% ▲ 0.33% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.17%▲ 0.33% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026

New Hampshire 48 Month CD Rates

MonitorBankRates New Hampshire Average · 48 Month CD2.14% APY▲ 0.04% from last weekNational 2.81%
View 48-month CD rate trend

The average 48-month CD rate in New Hampshire is 2.14% APY, compared with 2.81% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
GFA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.25%
1448 Route 119, Rindge, NH 03461
Term Share Certificates - 48 Months
$500
4.45% ▲ 2.31% above New Hampshire avg
View
▼
Rate4.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
New Hampshire Average2.14%▲ 2.31% above avgNationally 2.81%
Details

Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings

Rate History
No change since Oct 15, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 15, 2026: 4.45% APYOct 15, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
4 Year Jumbo Certificate of Deposit
$100,000
3.66% ▲ 1.52% above New Hampshire avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 1.52% above avgNationally 2.81%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
4 Year Jumbo IRA Certificate
$100,000
3.66% ▲ 1.52% above New Hampshire avg
View
▼
Rate3.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 1.52% above avgNationally 2.81%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 4 year
$500
3.66% ▲ 1.52% above New Hampshire avg
View
▼
Rate3.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 1.52% above avgNationally 2.81%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
48 Month Jumbo Certificate
$0
3.50% ▲ 1.36% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 48 Month Certificate
$0
3.30% ▲ 1.16% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 1.16% above avgNationally 2.81%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
48 Month Regular Certificate
$0
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
48 Month Certificate IRA
$0
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 48 Month
$500
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 48 Month
$500
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 28, 2026: 3.25% APYSep 28, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 48 Month
$500
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 48 Month
$500
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
48 Month Certificate
$0
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 48 Month Certificate
$0
3.25% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 1.11% above avgNationally 2.81%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
4 Year Certificate of Deposit
$1,000
3.15% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 10 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
4 Year IRA Certificate of Deposit
$250
3.15% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.10%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.15% APY · checked 9 times
2.65%3.15%3.65%Sep 24, 2026: 3.15% APYSep 24, 2026Oct 25, 2026
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
125 E Dunstable Rd, Nashua, NH 03062
48 Month CD
$500
3.05% ▲ 0.91% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.91% above avgNationally 2.81%
Details

APY effective as of 9/15/26; minimum balance required to open and earn APY

Rate History
No change since Sep 7, 2026 · 3.05% APY · checked 10 times
2.55%3.05%3.55%Sep 7, 2026: 3.05% APYSep 7, 2026Oct 25, 2026
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
125 E Dunstable Rd, Nashua, NH 03062
Business 48 Month CD
$500
3.05% ▲ 0.91% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.91% above avgNationally 2.81%
Details

Penalty imposed on early withdrawal; fees may reduce earnings

Rate History
No change since Sep 19, 2026 · 3.05% APY · checked 9 times
2.55%3.05%3.55%Sep 19, 2026: 3.05% APYSep 19, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
48 Month Certificate - Loyalty Pays Premium
$500
2.95% ▲ 0.81% above New Hampshire avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.81% above avgNationally 2.81%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
48 Month IRA Certificate - Loyalty Pays Premium
$500
2.95% ▲ 0.81% above New Hampshire avg
View
▼
Rate2.91%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.81% above avgNationally 2.81%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 4 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
48 Month Certificate
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
48 Month IRA Certificate
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Sep 18, 2026: 2.85% APYSep 18, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
4 Year CD
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

Effective 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
4 Year IRA CD
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 4 Year CD
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 4 Year IRA CD
$500
2.85% ▲ 0.71% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 19, 2026: 2.85% APYOct 19, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
48 Month IRA Certificate
$500
2.80% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.80% APY
2.30%2.80%3.30%Oct 19, 2026: 2.80% APYOct 19, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
Certificate - 48 months
$500
2.80% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.77%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.66% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 2.80% APY · checked 2 times
2.30%2.80%3.30%Oct 14, 2026: 2.80% APYOct 14, 2026Oct 25, 2026
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
159 Frontage Rd, Manchester, NH 03103 6013
48 Month Certificate of Deposit
$0
2.78% ▲ 0.64% above New Hampshire avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
74 Pleasant St, Claremont, NH 03743
4 Year Online CD
$0
2.75% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.61% above avgNationally 2.81%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
48 month Certificate
$0
2.75% ▲ 0.61% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
48 month IRA Certificate
$0
2.75% ▲ 0.61% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.61% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
48 Month IRA
$100
2.65% ▲ 0.51% above New Hampshire avg
View
▼
Rate2.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.51% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 48 Month CD
$500
2.65% ▲ 0.51% above New Hampshire avg
View
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.51% above avgNationally 2.81%
Details

Early Withdrawal Penalty: 365 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Primary Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.74%
207 Route 101, Bedford, NH 03110
4 Year CD
$1,000
2.50% ▲ 0.36% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 0.36% above avgNationally 2.81%
Details

Minimum deposit to open is $1,000. Penalties for early withdrawal may apply.

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
48-Month Certificate
$500
2.50% ▲ 0.36% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
Business Certificates of Deposit - 48 Month
$500
2.50% ▲ 0.36% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 19, 2026: 2.50% APYOct 19, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
48 Month Share Certificate
$0
2.50% ▲ 0.36% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.36% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
48 Month Business Share Certificate
$0
2.45% ▲ 0.31% above New Hampshire avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.31% above avgNationally 2.81%
Details

Call to get started; Penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
48 Month Share & IRA Certificate
$0
2.45% ▲ 0.31% above New Hampshire avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
48 Month Share Certificate
$0
2.45% ▲ 0.31% above New Hampshire avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.31% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 25, 2026
Service Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.25%
14 Colby Ct, Bedford, NH 03110
Share Certificate 48 Months
$500
2.45% ▲ 0.31% above New Hampshire avg
View
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.31% above avgNationally 2.81%
Details

Penalty for early withdrawal applies; APY accurate as of 09/08/2026

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 25, 2026
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
29 S Main St, Newton, NH 03858
48 Month Certificate of Deposit
$1,000
2.40% ▲ 0.26% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 0.26% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 2.35% → 2.40% ▲ 0.05 pts · high 2.40% / low 2.35%
1.85%2.38%2.90%Sep 19, 2026: 2.35% APYOct 7, 2026: 2.40% APYSep 19, 2026Oct 25, 2026
  • Oct 7, 20262.40%▲ from 2.35%
  • Sep 19, 20262.35%first recorded
TruNorth Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
29 S Main St, Newton, NH 03858
Certificate of Deposit - 48 months
$1,000
2.40% ▲ 0.26% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▲ 0.26% above avgNationally 2.81%
Details

Minimum opening deposit $1,000; interest compounded monthly; substantial penalty for early withdrawal

Rate History
No change since Oct 20, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 20, 2026: 2.40% APYOct 20, 2026Oct 25, 2026
Bank of New England
Institution Rating:
B+4.7 ★Texas Ratio: 18.85%
31 Pelham Rd, Salem, NH 03079
Certificate of Deposit - 4 YEAR
$0
2.27% ▲ 0.13% above New Hampshire avg
View
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.14%▲ 0.13% above avgNationally 2.81%
Details

Effective Date: 10/12/2026; $500 Minimum Balance Required

Rate History
No change since Oct 14, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Oct 14, 2026: 2.27% APYOct 14, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
48 Month Business Certificates of Deposit
$250
2.25% ▲ 0.11% above New Hampshire avg
View
▼
Rate2.23%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 19, 2026: 2.25% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
48 Month Certificate of Deposit
$250
2.25% ▲ 0.11% above New Hampshire avg
View
▼
Rate2.23%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 19, 2026: 2.25% APYOct 19, 2026Oct 25, 2026
Jeanne D Arc Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.58%
102 Spit Brook Rd, Nashua, NH 03062 2711
Certificate of Deposit - 48 Months
$250
2.25% ▲ 0.11% above New Hampshire avg
View
▼
Rate2.23%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.14%▲ 0.11% above avgNationally 2.81%
Details

Rates effective September 21, 2026; $5.00 membership account required

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
Profile Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
45 Wakefield St, Rochester, NH 03867
4 Year CD
$500
2.02% ▼ 0.12% below New Hampshire avg
View
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.14%▼ 0.12% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
4 Year Certificate of Deposit
$1,000
2.00% ▼ 0.14% below New Hampshire avg
View
▼
Rate1.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.14%▼ 0.14% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026

New Hampshire 60 Month CD Rates

MonitorBankRates New Hampshire Average · 60 Month CD2.24% APY▲ 0.05% from last weekNational 2.92%
View 60-month CD rate trend

The average 60-month CD rate in New Hampshire is 2.24% APY, compared with 2.92% nationally, as of October 25, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
5 Year CD
$500
4.76% ▲ 2.52% above New Hampshire avg
View
▼
Rate4.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 2.52% above avgNationally 2.92%
Details

A penalty may be imposed for early withdrawal.

Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 4 times
4.26%4.76%5.26%Oct 14, 2026: 4.76% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
5 Year Jumbo Certificate of Deposit
$100,000
3.71% ▲ 1.47% above New Hampshire avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.47% above avgNationally 2.92%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
5 Year Jumbo IRA Certificate
$100,000
3.71% ▲ 1.47% above New Hampshire avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.47% above avgNationally 2.92%
Details

Rates effective as of 10/14/26

Rate History
No change since Oct 14, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 25, 2026
Union Bank Morrisville, VT
Institution Rating:
A-4.8 ★Texas Ratio: 14.30%
3 State St, Groveton, NH 03582
Certificate of Deposit - 5 year
$500
3.71% ▲ 1.47% above New Hampshire avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.47% above avgNationally 2.92%
Details

Opening Deposit: IRAs 500; Rates effective as of 10/14/26

Rate History
No change since Oct 20, 2026 · 3.71% APY · checked 2 times
3.21%3.71%4.21%Oct 20, 2026: 3.71% APYOct 20, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
60 Month Jumbo Certificate
$0
3.50% ▲ 1.26% above New Hampshire avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.26% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 22, 2026: 3.50% APYOct 22, 2026Oct 25, 2026
Piscataqua Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
15 Pleasant St, Portsmouth, NH 03801
Kids' Bank Variable Rate 5 Year CD
$250
3.41% ▲ 1.17% above New Hampshire avg
View
▼
Rate3.35%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.17% above avgNationally 2.92%
Details

The interest rate and annual percentage yield may change after account opening. A penalty may be imposed for early withdrawal.

Rate History
No change since Sep 19, 2026 · 3.41% APY · checked 10 times
2.91%3.41%3.91%Sep 19, 2026: 3.41% APYSep 19, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 60 Month Fixed
$25
3.35% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.11% above avgNationally 2.92%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
IRA 60 Month Variable
$25
3.35% ▲ 1.11% above New Hampshire avg
View
▼
Rate3.30%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.11% above avgNationally 2.92%
Details

Minimum daily average balance to earn APY: $10.00; Interest compounded monthly; Penalty may be imposed for withdrawal before maturity; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 3 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 60 Month Certificate
$0
3.30% ▲ 1.06% above New Hampshire avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 1.06% above avgNationally 2.92%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; Dividend Rate 3.25%

Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
60 Month Regular Certificate
$0
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
DCU Digital Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.34%
379 Amherst St, Nashua, NH 03063 1226
60 Month Certificate IRA
$0
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
125 E Dunstable Rd, Nashua, NH 03062
60 Month CD
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

APY effective as of 9/15/26; minimum balance required to open and earn APY

Rate History
No change since Sep 7, 2026 · 3.25% APY · checked 10 times
2.75%3.25%3.75%Sep 7, 2026: 3.25% APYSep 7, 2026Oct 25, 2026
Lowell Five Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.48%
125 E Dunstable Rd, Nashua, NH 03062
Business 60 Month CD
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Penalty imposed on early withdrawal; fees may reduce earnings

Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 19, 2026: 3.25% APYSep 19, 2026Oct 25, 2026
Haverhill Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
396 Main St, Salem, NH 03079
Certificates of Deposit (CD) - 60 month
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Interest compounded monthly; early withdrawal penalty may apply; Withdrawal of interest will reduce earnings

Rate History
No change since Oct 21, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 21, 2026: 3.25% APYOct 21, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
Certificate of Deposit - 60 Month
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 24, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 24, 2026: 3.25% APYSep 24, 2026Oct 25, 2026
Pentucket Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.92%
201 State Route 111, Hampstead, NH 03841
IRA Certificate of Deposit - 60 Month
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Open an Account: Visit a branch

Rate History
No change since Sep 28, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 28, 2026: 3.25% APYSep 28, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
Certificate of Deposit - 60 Month
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Newburyport Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.54%
254 State St, Portsmouth, NH 03801
IRA 60 Month
$500
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Open at your local Branch; No minimum balance required to earn stated APY; Penalty for early withdrawal from IRA

Rate History
No change since Oct 22, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
60 Month Certificate
$0
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

APY accurate as of 09/22/2026; subject to penalty for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.25% ▼ 0.05 pts · high 3.30% / low 3.25%
2.75%3.28%3.80%Sep 14, 2026: 3.30% APYSep 18, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.25%▼ from 3.30%
  • Sep 14, 20263.30%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Business Certificate of Deposit - 60 Month Certificate
$0
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

Business Certificate of Deposit; Min. Balance/Average Daily Balance $1,000; Subject to penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Triangle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
33 Franklin St, Nashua, NH 03064
Traditional Certificate - 60 Months
$0
3.25% ▲ 1.01% above New Hampshire avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 1.01% above avgNationally 2.92%
Details

No additional deposits allowed during the term of the Certificate; excludes Youth Accounts

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
Member Merits (Gold) 60 Month Variable Rate Certificate
$0
3.15% ▲ 0.91% above New Hampshire avg
View
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.91% above avgNationally 2.92%
Details

Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; variable rate certificate; Dividend Rate 3.11%

Rate History
No change since Oct 13, 2026 · 3.15% APY · checked 2 times
2.65%3.15%3.65%Oct 13, 2026: 3.15% APYOct 13, 2026Oct 25, 2026
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Mound Ct Ste 3A, Merrimack, NH 03054 4412
60 Month Variable Rate Certificate
$0
3.10% ▲ 0.86% above New Hampshire avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.86% above avgNationally 2.92%
Details

Variable rate certificate; APY is variable; rate may change twice during the term and may increase or decrease but never below the rate earned on issue date; adjusts to current like-term fixed rate less a .25% margin for 60 months; penalty may be imposed for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.10% ▼ 0.05 pts · high 3.15% / low 3.10%
2.60%3.13%3.65%Sep 14, 2026: 3.15% APYSep 18, 2026: 3.10% APYSep 14, 2026Oct 25, 2026
  • Sep 18, 20263.10%▼ from 3.15%
  • Sep 14, 20263.15%first recorded
Walden Mutual Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.83%
66 N Main St, Concord, NH 03301
5 Year Local Impact Business CDs
$1,000
3.00% ▲ 0.76% above New Hampshire avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 21, 2026
New Hampshire Average2.24%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Sep 11, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 11, 2026: 3.00% APYSep 11, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
60 Month Certificate - Loyalty Pays Premium
$500
3.00% ▲ 0.76% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.76% above avgNationally 2.92%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
60 Month IRA Certificate - Loyalty Pays Premium
$500
3.00% ▲ 0.76% above New Hampshire avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.76% above avgNationally 2.92%
Details

Loyalty Pays Premium Certificate Rate; requires active consumer checking account and active debit card with a debit card transaction in the current month; Effective Date: September 1, 2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
60 month Certificate
$0
3.00% ▲ 0.76% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Members First Credit Union of NH
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
7 Salmon St, Manchester, NH 03104 3027
60 month IRA Certificate
$0
3.00% ▲ 0.76% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.76% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
60 Month Certificate
$500
2.90% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.66% above avgNationally 2.92%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 25, 2026
Bellwether Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
425 Hooksett Rd, Manchester, NH 03104
60 Month IRA Certificate
$500
2.90% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.66% above avgNationally 2.92%
Details

Effective Date: September 1, 2026

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 3 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
60 Month IRA Certificate
$500
2.90% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.66% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 19, 2026: 2.90% APYOct 19, 2026Oct 25, 2026
New Hampshire Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
70 Airport Rd, Concord, NH 03301 5205
Certificate - 60 months
$500
2.90% ▲ 0.66% above New Hampshire avg
View
▼
Rate2.86%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.66% above avgNationally 2.92%
Details

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
2.5 Year CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Effective 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
2.5 Year IRA CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
5 Year CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Effective 10/16/2026; Online Only

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
5 Year IRA CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

APY effective as of 10/16/2026

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 2.5 Year CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
Business Certificates of Deposit - 5 Year CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 2.85% APY · checked 2 times
2.35%2.85%3.35%Oct 13, 2026: 2.85% APYOct 13, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 2.5 Year IRA CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 19, 2026: 2.85% APYOct 19, 2026Oct 25, 2026
Align Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
68 Lafayette Rd, Seabrook, NH 03874
SEP (Simplified Employee Pension) IRA Certificates - 5 Year IRA CD
$500
2.85% ▲ 0.61% above New Hampshire avg
View
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.61% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 19, 2026: 2.85% APYOct 19, 2026Oct 25, 2026
River Works Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
159 Frontage Rd, Manchester, NH 03103 6013
60 Month Certificate of Deposit
$0
2.78% ▲ 0.54% above New Hampshire avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.54% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 18, 2026: 2.78% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
74 Pleasant St, Claremont, NH 03743
5 Year Online CD
$0
2.75% ▲ 0.51% above New Hampshire avg
View
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Interest rate 2.71%; interest compounded daily and paid monthly

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
74 Pleasant St, Claremont, NH 03743
Online CD - 5 Year
$0
2.75% ▲ 0.51% above New Hampshire avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
New Hampshire Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Online CD; Open online; APY accurate as of 07/28/2026

Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 18, 2026: 2.75% APYSep 18, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
60-Month Certificate
$500
2.75% ▲ 0.51% above New Hampshire avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 6 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 25, 2026
Holy Rosary Credit Union Rochester, NH
Institution Rating:
A+5.0 ★Texas Ratio: 3.17%
133 Brock St, Rochester, NH 03867
Business Certificates of Deposit - 60 Month
$500
2.75% ▲ 0.51% above New Hampshire avg
View
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.51% above avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
60 Month IRA
$100
2.65% ▲ 0.41% above New Hampshire avg
View
▼
Rate2.62%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.41% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 545 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Machias Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.11%
900 Elm St, Manchester, NH 03101
My MSB Certificate of Deposit - 60 Month CD
$500
2.65% ▲ 0.41% above New Hampshire avg
View
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.41% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 545 Days Interest

Rate History
No change since Oct 22, 2026 · 2.65% APY
2.15%2.65%3.15%Oct 22, 2026: 2.65% APYOct 22, 2026Oct 25, 2026
Lighthouse Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.05%
84 Portsmouth Ave, Exeter, NH 03833
60 Month Share Certificate
$0
2.55% ▲ 0.31% above New Hampshire avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
New Hampshire Average2.24%▲ 0.31% above avgNationally 2.92%
Details

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 8 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
5 Year Certificate of Deposit
$1,000
2.50% ▲ 0.26% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.26% above avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 10 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Needham Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
1 Provident Way, Seabrook, NH 03874
5 Year IRA Certificate of Deposit
$250
2.50% ▲ 0.26% above New Hampshire avg
View
▼
Rate2.47%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
New Hampshire Average2.24%▲ 0.26% above avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 25, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from New Hampshire Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
Piscataqua Savings Bank
5 Year CD
A+ 5.0 ★ TX: 0.00%
Min: $500
4.76%
Machias Savings Bank
36 Month IRA
A+ 5.0 ★ TX: 3.11%
Min: $100
4.50%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
Eastern Bank
18 Month CD/IRA CD
A+ 5.0 ★ TX: 2.61%
Min: $2,500
4.30%
Rockland Trust
Select 18-Month CD
A+ 5.0 ★ TX: 2.64%
Min: $1,000
4.15%
CU Top 5 Credit Union Rates
Align Credit Union
1.5 Year CD
A 5.0 ★ TX: 10.06%
Min: $500
4.50%
GFA Federal Credit Union
Term Share Certificates - 48 Months
A+ 5.0 ★ TX: 5.25%
Min: $500
4.45%
St Marys Bank Credit Union
18-Month Promo CD
A+ 5.0 ★ TX: 2.56%
Min: $500
4.35%
Jeanne D Arc Credit Union
24 Month Business Certificates of Deposit
A+ 5.0 ★ TX: 2.58%
Min: $250
4.25%
Bellwether Community Credit Union
18 Month Certificate - Loyalty Pays Premium
A+ 5.0 ★ TX: 2.11%
Min: $500
4.20%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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New Hampshire CD Rate Trends

Compare local New Hampshire CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full New Hampshire CD Trends
12-Month CD NH Avg
2.965%
▲ 0.043 vs 7 days ago

New Hampshire 12-month CD rates rose 0.043 points over the past 7 days to 2.965% APY.

6-Month CD NH Avg
2.887%
▼ 0.057 vs 7 days ago

New Hampshire 6-month CD rates fell 0.057 points over the past 7 days to 2.887% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

NH CD Rate Forecast, Next 12 Months

Where are New Hampshire CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NH 12-Month Avg APY
2.965%
6-Month Forecast
2.965%
Range: 2.77%, 3.12%
12-Month Forecast
3.215%
Range: 3.02%, 3.37%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the New Hampshire average 12-month CD APY in our database.

Spread model: The New Hampshire 12-month CD average currently trades 1.41% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at NH CD Rates Today

Annual interest earnings at today’s New Hampshire average APYs. State average used where available; national average as fallback.

CD Term NH Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 2.260% $113.00 $226.00 $565.00 $1,130.00
6-Month CD 2.887% $144.37 $288.74 $721.85 $1,443.70
12-Month CD 2.965% $148.23 $296.46 $741.15 $1,482.30
18-Month CD 3.130% $156.50 $313.00 $782.50 $1,565.00
24-Month CD 2.573% $128.66 $257.31 $643.28 $1,286.55
36-Month CD 2.168% $108.40 $216.79 $541.98 $1,083.95
48-Month CD 2.144% $107.18 $214.35 $535.88 $1,071.75
60-Month CD 2.240% $111.98 $223.96 $559.90 $1,119.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for New Hampshire Savers

$25,000 split equally across 5 terms using today’s New Hampshire average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit NH Avg APY Annual Earnings
1 3-Month CD $5,000 2.260% $113.00
2 6-Month CD $5,000 2.887% $144.37
3 12-Month CD $5,000 2.965% $148.23
4 24-Month CD $5,000 2.573% $128.66
5 36-Month CD $5,000 2.168% $108.40
Total ($25,000 invested) $25,000 2.571% blended $642.66/yr

Ladder example uses equal $5,000 rungs and New Hampshire average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
598
CD Rates
Tracked in New Hampshire
35 Banks 17 Credit Unions

About Our New Hampshire CD Rate Database

MonitorBankRates tracks 598 CD rates from 35 banks and 17 credit unions with locations in New Hampshire, plus national online institutions available to New Hampshire residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Piscataqua Savings Bank offers a CD at 4.76% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in New Hampshire.

How to Find the Best CD Rates in New Hampshire

What to compare when shopping for a CD in New Hampshire

To find the best APYs in New Hampshire, start with credit unions and online-only banks: New Hampshire has 17 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in New Hampshire

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in New Hampshire: 52 institutions here report CD rates

Consider an Alternative If…

New Hampshire Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
20.1%
National avg: 17.3%
Median Individual Earnings
$52,410
National avg: $47,340
Poverty Rate
7.2%
National avg: 11.1%
Unemployment Rate
3.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$155/yr
At NH 12-mo avg 2.965% APY

20.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.3% reflects a strong local economy. At today’s NH 12-month CD average of 2.965%, saving 10% of the local median salary ($5,241/year) and putting it in a CD would earn an additional $155 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in New Hampshire

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in New Hampshire

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Hampshire typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Hampshire as everywhere in the U.S.

Choosing a CD Term in New Hampshire

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Hampshire savers easier access to their funds. For example, River Works Credit Union is offering its 6 Month Certificate of Deposit at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Piscataqua Savings Bank is offering its 5 Year CD at 4.76% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for New Hampshire Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Hampshire saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in New Hampshire

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Hampshire CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in New Hampshire

Most CDs carry a fixed rate that is locked for the entire term, protecting a New Hampshire depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in New Hampshire

Are CD rates in New Hampshire FDIC insured?

Yes, most established banks in New Hampshire are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in New Hampshire?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in New Hampshire.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in New Hampshire may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in New Hampshire?

Here are recent top rates found for this area:
  • Piscataqua Savings Bank: 4.76% APY (5 Year CD)
  • Machias Savings Bank: 4.50% APY (36 Month IRA)
  • Align Credit Union: 4.50% APY (1.5 Year CD)
  • GFA Federal Credit Union: 4.45% APY (Term Share Certificates - 48 Months)
  • St Marys Bank Credit Union: 4.35% APY (18-Month Promo CD)
  • TD Bank: 4.30% APY (24 Month TD Choice CD)
  • Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
  • Jeanne D Arc Credit Union: 4.25% APY (24 Month Business Certificates of Deposit)
  • Bellwether Community Credit Union: 4.20% APY (18 Month Certificate - Loyalty Pays Premium)
  • Rockland Trust: 4.15% APY (Select 18-Month CD)
Rates reflect recent verified offers available in New Hampshire. Last Updated: October 23, 2026

New Hampshire CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Hampshire rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top New Hampshire CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in New Hampshire. Averages shown use the New Hampshire state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for New Hampshire

New Hampshire CD Calculator

At today’s NH top rate of 4.76% APY, a $10,000 deposit earns $476 in the first year. Enter your amount to see your exact return.

New Hampshire CD Ladder

NH CD rates currently range from 2.260% (3-month) to 2.168% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a New Hampshire CD at 4.76% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

New Hampshire’s average 12-month CD is 2.965% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Hampshire CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Hampshire directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New Hampshire. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NH.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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