CD Rates Hooksett, New Hampshire (NH) for April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Hooksett, New Hampshire CD rates include Heritage Family Federal Credit UnionHeritage Family Federal Credit Union1337 Hooksett Rd, Hooksett, NH 03106A+5.0 ★Texas Ratio: 3.44%Real return: +1.20%APY minus CPI (February 2026) offering Premier Term Share Certificate 12 Month at 4.00% APY, TD BankTD Bank1323 Hooksett Rd, Hooksett, NH 03106A5.0 ★Texas Ratio: 6.30%Real return: -1.80%APY minus CPI (February 2026) offering 12 Month IRA Certificates at 1.00% APY, River Works Credit UnionRiver Works Credit UnionA5.0 ★Texas Ratio: 7.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Month Certificate of Deposit at 4.07% APY, St Marys Bank Credit UnionSt Marys Bank Credit UnionA+5.0 ★Texas Ratio: 2.11%Real return: +1.20%APY minus CPI (February 2026) offering 6-month Advantage Promo CD at 4.00% APY, and Millyard BankMillyard BankA+5.0 ★Texas Ratio: 0.00%Real return: +1.18%APY minus CPI (February 2026) offering 6 Month CD Special at 3.98% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Hooksett has 8 local institutions in our database, with CD rates as high as 4.00% APY from Heritage Family Federal Credit Union at 1337 Hooksett Rd, Hooksett, NH 03106. 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 — 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: April 12, 2026
Compare Best CD Rates in Hooksett, New Hampshire & the Surrounding Area
Boost your tax refund by 3.75% APY.
new money required with an accompanying savings account of $5,000
Relationship APY
Relationship Gold Checking Account required
Benefit Plus? Customers
Relationship APY
Minumum deposit
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Hooksett, NH CD Rate Trends
Compare local Hooksett, 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 currently average 1.863% APY based on data from institutions in our monitoring network.
New Hampshire 6-month CD rates currently average 2.309% APY based on data from institutions in our monitoring network.
NH CD Rate Forecast — Next 12 Months
Where are New Hampshire CD rates headed through April 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 | 1.645% | $82.23 | $164.45 | $411.13 | $822.25 |
| 6-Month CD | 2.309% | $115.44 | $230.88 | $577.20 | $1,154.40 |
| 12-Month CD | 1.863% | $93.17 | $186.34 | $465.85 | $931.70 |
| 18-Month CD | 1.615% | $80.77 | $161.53 | $403.83 | $807.65 |
| 24-Month CD | 1.513% | $75.66 | $151.31 | $378.28 | $756.55 |
| 36-Month CD | 1.183% | $59.15 | $118.29 | $295.73 | $591.45 |
| 48-Month CD | 1.130% | $56.51 | $113.02 | $282.55 | $565.10 |
| 60-Month CD | 1.315% | $65.73 | $131.45 | $328.63 | $657.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Hooksett, 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 | 1.645% | $82.23 |
| 2 | 6-Month CD | $5,000 | 2.309% | $115.44 |
| 3 | 12-Month CD | $5,000 | 1.863% | $93.17 |
| 4 | 24-Month CD | $5,000 | 1.513% | $75.66 |
| 5 | 36-Month CD | $5,000 | 1.183% | $59.15 |
| Total ($25,000 invested) | $25,000 | 1.703% blended | $425.65/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.
in Hooksett, New Hampshire
About Our Hooksett, New Hampshire CD Rate Database
MonitorBankRates tracks CD rates from 18 banks and 10 credit unions with locations in Hooksett, 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: Heritage Family Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Hooksett, New Hampshire.
How to Find the Best CD Rates in Hooksett, New Hampshire
What to compare when shopping for a CD in Hooksett, New Hampshire
To find the best APYs in Hooksett, New Hampshire, start with credit unions and online-only banks — Hooksett, New Hampshire has 10 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 Hooksett, 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 Hooksett, New Hampshire — 28 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Hooksett, New Hampshire savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Hooksett, New Hampshire money market rates
Hooksett, New Hampshire Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
20.7% 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. At today’s NH 12-month CD average of 1.863%, saving 10% of the local median salary ($5,174/year) and putting it in a CD would earn an additional $96 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 Hooksett, 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 |
Frequently Asked Questions about CD Rates in Hooksett, New Hampshire
Are CD rates in Hooksett, New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in Hooksett, 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 Hooksett, New Hampshire?
- Heritage Family Federal Credit Union: 4.00% APY (Premier Term Share Certificate 12 Month)
- TD Bank: 1.00% APY (12 Month IRA Certificates)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
- St Marys Bank Credit Union: 4.00% APY (6-month Advantage Promo CD)
- Millyard Bank: 3.98% APY (6 Month CD Special)
- Bellwether Community Credit Union: 3.80% APY (6 Month Certificate)
- Pentucket Bank: 3.75% APY (24 Month Certificates of Deposit)
- DCU Digital Federal Credit Union: 3.75% APY (3-Month IRA Certificate)
- Eastern Bank Boston, MA: 3.75% APY (6 Month CD/IRA CD)
- Passumpsic Savings Bank: 3.70% APY (6-Month CD)
CD Calculators for Hooksett, New Hampshire
At today’s NH top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Hooksett, New Hampshire CD LadderNH CD rates currently range from 1.645% (3-month) to 1.183% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Hooksett, New Hampshire CD at 4.00% 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 1.863% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Hooksett, 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 pulling data straight 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 Hooksett, 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.
