Bow, New Hampshire Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Bow, New Hampshire CD rates include Merrimack County SBMerrimack County SB503 South St, Bow, NH 03304A5.0 ★Texas Ratio: 6.07%Real return: +1.05%APY minus CPI (February 2026) offering 1 1/2 Year (18 Month) at 3.85% APY, Triangle Credit UnionTriangle Credit UnionA+5.0 ★Texas Ratio: 2.57%Real return: +1.35%APY minus CPI (February 2026) offering Traditional 18 Months Special Certificate at 4.15% APY, Align Credit UnionAlign Credit UnionA5.0 ★Texas Ratio: 11.01%Real return: +1.30%APY minus CPI (February 2026) offering 1.5 Year CD at 4.10% APY, Millyard BankMillyard BankA5.0 ★Texas Ratio: 7.35%Real return: +1.30%APY minus CPI (February 2026) offering 36 Month Certificate at 4.10% APY, and Piscataqua Savings BankPiscataqua Savings BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.28%APY minus CPI (February 2026) offering 3 Year Certificate at 4.08% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.
Bow has 8 local institutions in our database, with CD rates as high as 3.85% APY from Merrimack County SB at 503 South St, Bow, NH 03304. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Hampshire area. 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: September 9, 2026
Compare Best CD Rates in Bow, New Hampshire & the Surrounding Area
Bow 3 Month CD Rates
Open 3 Month CD Online
Premium
Non-IRA certificates only
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Relationship APY
Bow 6 Month CD Rates
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Rates are subject to change at any time; Traditional Certificates & IRAs
Open 6 Month CD Online
Offer is only available to 501(c) (3) organizations and opened with new-to-Needham Bank funds. A Needham Bank business checking account is also required. Offer available in branch only.
SEP (Simplified Employee Pension) IRA Certificates
Offer is only available on business accounts opened with new-to-Needham Bank funds. Needham Bank business checking account is required. Offer available in branch only.
Premium
This CD special is available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.
This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as a CD.
1
This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Fees may reduce earnings. This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 6-month CD Special account is opened. Please refer to the Certificate of Deposit Account Agreement for more information and eligibility details.
Relationship APY
++
Relationship Rate
To qualify for this promotional rate, at least 50% of the opening deposit must consist of new funds not currently on deposit with Claremont Savings Bank. To renew an existing certificate into this promotional account, you must add new funds not currently on deposit with Claremont Savings Bank equal to at least 50% of the principal balance of the maturing certificate.
Prestige APY: 0.15%; Prestige Rate: 0.15%
Bow 12 Month CD Rates
SEP (Simplified Employee Pension) IRA Certificates
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Rate is guaranteed from time of opening to maturity. Subject to penalty for early withdrawal. Fees may reduce earnings. Rates and terms subject to change without notice. Federally insured by NCUA.
Open 1 Year CD Online
Online Only
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
This CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.
This IRA CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as a CD.
Premium
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
2
This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Fees may reduce earnings. This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 12-month CD Special account is opened. Please refer to the Certificate of Deposit Account Agreement for more information and eligibility details.
Relationship Gold Checking Account required
Ages 18 & under only. Maximum deposit $10,000.
Relationship APY
Bow 18 Month CD Rates
Rates are subject to change at any time; Traditional Certificates & IRAs
SEP (Simplified Employee Pension) IRA Certificates
Term: 1 1/2 Year (18 Month)
Open 18 Month CD Online (Opens in new tab)
Premium
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Relationship APY
Bow 24 Month CD Rates
Online Only
Open 2 Year CD Online
SEP (Simplified Employee Pension) IRA Certificates
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Save longer with a great return.
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
Premium
Relationship APY
Relationship Rate
Relationship Rate
To qualify for this promotional rate, at least 50% of the opening deposit must consist of new funds not currently on deposit with Claremont Savings Bank. To renew an existing certificate into this promotional account, you must add new funds not currently on deposit with Claremont Savings Bank equal to at least 50% of the principal balance of the maturing certificate.
Relationship Rate
Bow 36 Month CD Rates
Open 3 Year CD Online
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Premium
Relationship APY
To qualify for this promotional rate, at least 50% of the opening deposit must consist of new funds not currently on deposit with Claremont Savings Bank. To renew an existing certificate into this promotional account, you must add new funds not currently on deposit with Claremont Savings Bank equal to at least 50% of the principal balance of the maturing certificate.
Relationship Rate
Prestige APY: 0.30%; Prestige Rate: 0.30%
Bow 48 Month CD Rates
Open 4 Year CD Online
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
SEP (Simplified Employee Pension) IRA Certificates
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
Premium
To qualify for this promotional rate, at least 50% of the opening deposit must consist of new funds not currently on deposit with Claremont Savings Bank. To renew an existing certificate into this promotional account, you must add new funds not currently on deposit with Claremont Savings Bank equal to at least 50% of the principal balance of the maturing certificate.
Relationship Rate
Prestige APY: 0.35%; Prestige Rate: 0.35%
Bow 60 Month CD Rates
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
Qualifications Required; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time.
SEP (Simplified Employee Pension) IRA Certificates
SEP (Simplified Employee Pension) IRA Certificates
Open 5 Year CD Online
Rates shown are Annual Percentage Yields (APY), accurate as of 08/01/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity.
3
Premium
Relationship APY
To qualify for this promotional rate, at least 50% of the opening deposit must consist of new funds not currently on deposit with Claremont Savings Bank. To renew an existing certificate into this promotional account, you must add new funds not currently on deposit with Claremont Savings Bank equal to at least 50% of the principal balance of the maturing certificate.
Relationship Rate
Prestige APY: 0.40%; Prestige Rate: 0.40%
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Bow, NH CD Rate Trends
Compare local Bow, NH 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.
New Hampshire 12-month CD rates rose 0.328 points over the past 7 days to 2.840% APY.
New Hampshire 6-month CD rates rose 0.077 points over the past 7 days to 2.669% APY.
NH CD Rate Forecast, Next 12 Months
Where are New Hampshire CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 9, 2026. | |||||
Sample CD Ladder for Bow, 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.
| Rung | Term | Deposit | NH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
Tracked in Bow, New Hampshire
About Our Bow, New Hampshire CD Rate Database
MonitorBankRates tracks 293 CD rates from 27 banks and 11 credit unions with locations in Bow, 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 (1–5), 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: Merrimack County SB offers a CD at 3.85% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Bow, New Hampshire.
How to Find the Best CD Rates in Bow, New Hampshire
What to compare when shopping for a CD in Bow, New Hampshire
To find the best APYs in Bow, New Hampshire, start with credit unions and online-only banks: Bow, New Hampshire has 11 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 Bow, 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 Bow, New Hampshire: 38 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Bow, New Hampshire savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Bow, New Hampshire money market rates
New Hampshire Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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 2.840%, saving 10% of the local median salary ($5,241/year) and putting it in a CD would earn an additional $149 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 Bow, 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 (90–180 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 Bow, 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 Bow, 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 Bow, New Hampshire as everywhere in the U.S.
Choosing a CD Term in Bow, 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 Bow, New Hampshire savers easier access to their funds. For example, Merrimack County SB is offering its 6 Month Add-On at 3.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Merrimack County SB is offering its 5 Year Bump-Up at 0.50% 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 Bow, 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 Bow, 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 Bow, 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 Bow, 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 Bow, New Hampshire
Most CDs carry a fixed rate that is locked for the entire term, protecting a Bow, 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 Bow, New Hampshire
Are CD rates in Bow, New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in Bow, New Hampshire?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Bow, New Hampshire?
- Merrimack County SB: 3.85% APY (1 1/2 Year (18 Month))
- Triangle Credit Union: 4.15% APY (Traditional 18 Months Special Certificate)
- Align Credit Union: 4.10% APY (1.5 Year CD)
- Millyard Bank: 4.10% APY (36 Month Certificate)
- Piscataqua Savings Bank: 4.08% APY (3 Year Certificate)
- Service Federal Credit Union: 4.00% APY (12 Months)
- St Marys Bank Credit Union: 4.00% APY (12-Month Promo CD)
- Needham Bank: 3.90% APY (6 Month Certificate of Deposit)
- Mascoma Bank: 3.85% APY (18-Month CD/IRA Special)
- Bellwether Community Credit Union: 3.80% APY (6 Month Certificate)
Bow, 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 Bow, New Hampshire rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Bow, New Hampshire
At today’s NH top rate of 3.85% APY, a $10,000 deposit earns $385 in the first year. Enter your amount to see your exact return.
Bow, New Hampshire CD LadderNH CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Bow, New Hampshire CD at 3.85% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Hampshire’s average 12-month CD is 2.840% 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 Bow, 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 Bow, 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 Bow, 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.
Bow, New Hampshire Rates & Resources
