Chocorua, New Hampshire Best CD Rates October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Chocorua, New Hampshire CD rates from banks and credit unions serving New Hampshire range from 0.05% to 4.45% APY, verified by MonitorBankRates as of October 14, 2026. Current Chocorua, New Hampshire CD rates include GFA Federal Credit UnionGFA Federal Credit UnionA+5.0 ★Texas Ratio: 5.25%Real return: +1.65%APY minus CPI (February 2026) offering 48 Month Term Share Certificates at 4.45% APY, St Marys Bank Credit UnionSt Marys Bank Credit UnionA+5.0 ★Texas Ratio: 2.56%Real return: +1.55%APY minus CPI (February 2026) offering 18-Month Promo CD at 4.35% APY, Eastern BankEastern BankA+5.0 ★Texas Ratio: 2.61%Real return: +1.50%APY minus CPI (February 2026) offering 18 Month CD/IRA CD at 4.30% APY, Jeanne D Arc Credit UnionJeanne D Arc Credit UnionA+5.0 ★Texas Ratio: 2.58%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificates of Deposit at 4.25% APY, and Bellwether Community Credit UnionBellwether Community Credit UnionA+5.0 ★Texas Ratio: 2.11%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Certificate - Loyalty Pays at 4.20% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Chocorua is a smaller community with no bank or credit union branches currently in our database. 521 institutions serving the New Hampshire area are available to Chocorua residents, with CD rates as high as 4.45% APY from GFA Federal Credit Union. 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 14, 2026
Compare Best CD Rates in Chocorua, New Hampshire & the Surrounding Area
Chocorua 3 Month CD Rates
Minimum to Obtain APY: N/A
Premium
Annual Dividend Rate 3.50%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
Minimum Daily Balance to obtain APY: $500.00
Special Offer
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; Rate column shown as 2.72%; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Benefit Plus Customers; interest compounded daily, credited monthly; penalties for early withdrawal
Interest compounded daily, credited monthly; penalties for early withdrawal
- Oct 7, 20261.55%▲ from 1.50%
- Sep 19, 20261.50%first recorded
Balance: $250.00 - $9,999.99
Balance: $250.00 - $9,999.99; Standard APY
Effective 10/12/2026; Interest Rate (APR) column
Term Share Certificates
Chocorua 6 Month CD Rates
Minimum Daily Balance to obtain APY: $250.00
Certificate Special; minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Minimum to Obtain APY: N/A
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
- Oct 1, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Premium
Annual Dividend Rate 3.50%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
CD special; available to Relationship Rewards, Platinum Checking, or any business checking customers; also available as an IRA CD; visit nearest branch
IRA CD special; only available to Relationship Rewards, Platinum Checking, or any business checking customers; also available as a CD; visit nearest branch
Balance: $1,000 minimum
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Balance: $10,000 - $4,999.99
- Oct 3, 20263.25%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Members under age 18 may open certificates for 6 months or more with $250.00
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Compounded: Daily
Chocorua 12 Month CD Rates
- Sep 21, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Minimum Daily Balance to obtain APY: $500.00
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Compounded: Daily
- Sep 19, 20264.00%▲ from 3.75%
- Sep 11, 20263.75%first recorded
Eligibility: 18 or younger; Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal penalty: 90 days - 365 days simple interest on principal withdrawn
Minimum to Obtain APY: N/A
CD special; only available to Relationship Rewards Checking, Platinum Checking, or any Business Checking customers; also available as an IRA CD; visit nearest branch
IRA CD special; only available to Relationship Rewards Checking, Platinum Checking, or any Business Checking customers; also available as a CD; visit nearest branch
Open Online (Opens in a new Window)
Members must be Premier Checking Members to open; Effective 10-13-2026
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.55%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Starter CD: 2 additional deposits with a minimum of $100 available to members 5-17 years old; Rates on certificates of deposit are guaranteed for the length of the term
Premium
Cash out monthly interest payments or reinvest them to earn more
Featured rate; Effective Date: 10/12/2026; $500 Minimum Balance Required; Substantial penalty for early withdrawal may apply
Effective 10/12/2026; Interest Rate (APR) column
- Oct 3, 20263.25%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Annual Dividend Rate 3.25%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
Chocorua 18 Month CD Rates
Minimum deposit of $500 required to open the account and earn the stated APY; APY accurate as of 10/9/2026
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Compounded: Daily
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Certificate Special; minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Location: 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, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies
Term: 1 1/2 Year (18 Month)
Term: 1 1/2 Year (18 Month)
Special CD rate; Minimum to Obtain APY: N/A
Minimum to Obtain APY: N/A
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Premium
Members must be Premier Checking Members to open; Effective 10-13-2026
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Members under age 18 may open certificates for 6 months or more with $250.00
Featured rate; Effective Date: 10/12/2026; $500 Minimum Balance Required; Substantial penalty for early withdrawal may apply
Effective 10/12/2026; Interest Rate (APR) column
Minimum Daily Balance to obtain APY: $500.00
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Chocorua 24 Month CD Rates
- Sep 21, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
SPECIAL OFFER; Available with a one-time bump-up option
SPECIAL OFFER
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Special Offer; One-time bump-up option available; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Variable rate; dividend rate subject to change monthly based on the Federal Funds Rate; dividend rate will never be less than 2.50% (minimum APY 2.53%) and never exceed 5.50% (maximum APY 5.64%)
- Oct 10, 20263.95%▲ from 3.69%
- Sep 14, 20263.69%first recorded
Open Online (Opens in a new Window)
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Members under age 18 may open certificates for 6 months or more with $250.00
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Members must be Premier Checking Members to open; Effective 10-13-2026
Minimum to Obtain APY: N/A
Available to open online; Rates on certificates of deposit are guaranteed for the length of the term
SEP IRA certificate; Dividend Rate 3.05%
SEP (Simplified Employee Pension) IRA Certificates
Cash out monthly interest payments or reinvest them to earn more
Minimum Daily Balance to obtain APY: $500.00
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Featured rate; Effective Date: 10/12/2026; $500 Minimum Balance Required; Substantial penalty for early withdrawal may apply
Effective 10/12/2026; Interest Rate (APR) column
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Annual Dividend Rate 2.50%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
- Oct 7, 20262.50%▲ from 2.45%
- Sep 19, 20262.45%first recorded
Premium
Balance: $10,000 - $4,999.99
Chocorua 36 Month CD Rates
- Sep 21, 20264.35%▲ from 4.10%
- Sep 18, 20264.10%first recorded
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Minimum to Obtain APY: N/A
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Members must be Premier Checking Members to open; Effective 10-13-2026
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .10% for 36 months; rate will never be lower than rate earned on issue date
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Cash out monthly interest payments or reinvest them to earn more
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.70%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Term Share Certificates
- Oct 7, 20262.45%▲ from 2.40%
- Sep 19, 20262.40%first recorded
Minimum Daily Balance to obtain APY: $500.00
Effective 10/12/2026; Interest Rate (APR) column
Balance: $10,000 - $4,999.99
Chocorua 48 Month CD Rates
- Sep 21, 20264.45%▲ from 0.75%
- Sep 18, 20260.75%first recorded
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Minimum to Obtain APY: N/A
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.80%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Cash out monthly interest payments or reinvest them to earn more
Term Share Certificates
Minimum Daily Balance to obtain APY: $500.00
- Oct 7, 20262.40%▲ from 2.35%
- Sep 19, 20262.35%first recorded
Effective 10/12/2026; Interest Rate (APR) column
Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Balance: $10,000 - $4,999.99
Benefit Plus Customers; interest compounded daily, credited monthly; penalties for early withdrawal
Premium
Interest compounded daily, credited monthly; penalties for early withdrawal
Chocorua 60 Month CD Rates
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Minimum balance of $1000.00 (excluding Youth Accounts); No additional deposits allowed during the term of the Certificate
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .25% for 60 months; rate will never be lower than rate earned on issue date
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; minimum of one debit card transaction in the current month; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Term Share Certificates; Maximum $500,000 principal balance per certificate; one certificate per member
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.90%▼ from 3.40%
- Sep 14, 20263.40%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Rates on certificates of deposit are guaranteed for the length of the term
Available to open online; Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificate; Minimum to Earn APY: $500
SEP IRA certificate
SEP (Simplified Employee Pension) IRA Certificates
SEP (Simplified Employee Pension) IRA Certificates
Cash out monthly interest payments or reinvest them to earn more
Minimum to Obtain APY: N/A
Minimum Daily Balance to obtain APY: $500.00
Any term between 6 months and 60 months may be negotiated
Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Chocorua, NH CD Rate Trends
Compare local Chocorua, 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 fell 0.047 points over the past 7 days to 2.939% APY.
New Hampshire 6-month CD rates fell 0.036 points over the past 7 days to 2.944% APY.
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.
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 | 2.175% | $108.75 | $217.50 | $543.75 | $1,087.50 |
| 6-Month CD | 2.944% | $147.20 | $294.39 | $735.98 | $1,471.95 |
| 12-Month CD | 2.939% | $146.95 | $293.90 | $734.75 | $1,469.50 |
| 18-Month CD | 3.064% | $153.21 | $306.43 | $766.07 | $1,532.15 |
| 24-Month CD | 2.419% | $120.93 | $241.86 | $604.65 | $1,209.30 |
| 36-Month CD | 2.132% | $106.59 | $213.17 | $532.93 | $1,065.85 |
| 48-Month CD | 2.063% | $103.16 | $206.31 | $515.78 | $1,031.55 |
| 60-Month CD | 2.137% | $106.82 | $213.65 | $534.13 | $1,068.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
Sample CD Ladder for Chocorua, 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 | 2.175% | $108.75 |
| 2 | 6-Month CD | $5,000 | 2.944% | $147.20 |
| 3 | 12-Month CD | $5,000 | 2.939% | $146.95 |
| 4 | 24-Month CD | $5,000 | 2.419% | $120.93 |
| 5 | 36-Month CD | $5,000 | 2.132% | $106.59 |
| Total ($25,000 invested) | $25,000 | 2.522% blended | $630.42/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 Chocorua, New Hampshire
About Our Chocorua, New Hampshire CD Rate Database
MonitorBankRates tracks 442 CD rates from 29 banks and 16 credit unions with locations in Chocorua, 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: GFA Federal Credit Union offers a CD at 4.45% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Chocorua, New Hampshire.
How to Find the Best CD Rates in Chocorua, New Hampshire
What to compare when shopping for a CD in Chocorua, New Hampshire
To find the best APYs in Chocorua, New Hampshire, start with credit unions and online-only banks: Chocorua, New Hampshire has 16 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 Chocorua, 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 Chocorua, New Hampshire: 45 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Chocorua, 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 Chocorua, 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 2.939%, saving 10% of the local median salary ($5,241/year) and putting it in a CD would earn an additional $154 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 Chocorua, 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 Chocorua, 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 Chocorua, 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 Chocorua, New Hampshire as everywhere in the U.S.
Choosing a CD Term in Chocorua, 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 Chocorua, 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, Union Bank Morrisville, VT is offering its 5 Year Certificate at 3.71% 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 Chocorua, 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 Chocorua, 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 Chocorua, 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 Chocorua, 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 Chocorua, New Hampshire
Most CDs carry a fixed rate that is locked for the entire term, protecting a Chocorua, 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 Chocorua, New Hampshire
Are CD rates in Chocorua, New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in Chocorua, 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 Chocorua, New Hampshire?
- GFA Federal Credit Union: 4.45% APY (48 Month Term Share Certificates)
- St Marys Bank Credit Union: 4.35% APY (18-Month Promo CD)
- Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
- Jeanne D Arc Credit Union: 4.25% APY (24 Month Certificates of Deposit)
- Bellwether Community Credit Union: 4.20% APY (18 Month Certificate - Loyalty Pays)
- Rockland Trust: 4.15% APY (Select 18-Month CD)
- Triangle Credit Union: 4.15% APY (Traditional 18 Months Special Certificate)
- Service Federal Credit Union: 4.10% APY (12 Month Business Share Certificate)
- Millyard Bank: 4.10% APY (36 Months CD)
- Align Credit Union: 4.10% APY (1.5 Year CD)
Chocorua, 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 Chocorua, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Chocorua, New Hampshire
At today’s NH top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.
Chocorua, New Hampshire CD LadderNH CD rates currently range from 2.175% (3-month) to 2.132% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Chocorua, New Hampshire CD at 4.45% 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 SavingsNew Hampshire’s average 12-month CD is 2.939% 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 Chocorua, 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 Chocorua, 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 Chocorua, 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.
Chocorua, New Hampshire Rates & Resources
