Nashua, New Hampshire CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Nashua, New Hampshire CD rates include Triangle Credit UnionTriangle Credit Union33 Franklin St, Nashua, NH 03064A+5.0 ★Texas Ratio: 3.94%Real return: +1.20%APY minus CPI (February 2026) offering 6 Months Special Certificate at 4.00% APY, Eastern Bank Boston, MAEastern Bank Boston, MA11 Trafalgar Sq, Nashua, NH 03063A+5.0 ★Texas Ratio: 2.03%Real return: +1.11%APY minus CPI (February 2026) offering 6 Month CD/IRA CD at 3.91% APY, Bellwether Community Credit UnionBellwether Community Credit Union409 Amherst St, Nashua, NH 03063A+5.0 ★Texas Ratio: 1.56%Real return: +1.00%APY minus CPI (February 2026) offering 6 Month Certificate at 3.80% APY, Merrimack County SBMerrimack County SB101 Broad St, Nashua, NH 03064A5.0 ★Texas Ratio: 8.07%Real return: +0.80%APY minus CPI (February 2026) offering 6 Month Add-On at 3.60% APY, and Lowell Five BankLowell Five Bank125 E Dunstable Rd, Nashua, NH 03062A+5.0 ★Texas Ratio: 1.76%Real return: +0.45%APY minus CPI (February 2026) offering 60 Month CD at 3.25% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Nashua has 43 local institutions in our database, with CD rates as high as 4.00% APY from Triangle Credit Union at 33 Franklin St, Nashua, NH 03064. 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: June 16, 2026
Compare Best CD Rates in Nashua, New Hampshire & the Surrounding Area
Nashua 3 Month CD Rates
Relationship APY
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Special Offer
Nashua 6 Month CD Rates
Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties apply. Rates are subject to change at any time.
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties apply. Rates are subject to change at any time.
Visit a branch
Junior Certificate++
Prestige APY: 0.15%, Prestige Rate: 0.15%.
Nashua 12 Month CD Rates
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties apply. Rates are subject to change at any time.
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Open Online
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Prestige APY: 0.20%, Prestige Rate: 0.20%.
Nashua 18 Month CD Rates
Relationship APY
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Visit a branch
Visit a branch
Nashua 24 Month CD Rates
Relationship APY
Open Online
Visit a branch
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Prestige APY: 0.25%, Prestige Rate: 0.25%.
Nashua 36 Month CD Rates
Relationship APY
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Visit a branch
Visit a branch
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
Prestige APY: 0.30%, Prestige Rate: 0.30%.
Nashua 48 Month CD Rates
Annual Percentage Yield is effective as of 6/1/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Visit a branch
Visit a branch
Prestige APY: 0.35%, Prestige Rate: 0.35%.
Nashua 60 Month CD Rates
Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties apply. Rates are subject to change at any time.
Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties apply. Rates are subject to change at any time.
Annual Percentage Yield is effective as of 6/1/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Minimum balance required to open account is $25.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings.
Visit a branch
Visit a branch
APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
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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.
Nashua, NH CD Rate Trends
Compare local Nashua, 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 0.060 points over the past 7 days to 2.432% APY.
New Hampshire 6-month CD rates fell 0.104 points over the past 7 days to 2.559% APY.
NH CD Rate Forecast — Next 12 Months
Where are New Hampshire CD rates headed through June 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 | 2.096% | $104.79 | $209.57 | $523.93 | $1,047.85 |
| 6-Month CD | 2.559% | $127.96 | $255.92 | $639.80 | $1,279.60 |
| 12-Month CD | 2.432% | $121.59 | $243.17 | $607.93 | $1,215.85 |
| 18-Month CD | 1.876% | $93.78 | $187.56 | $468.90 | $937.80 |
| 24-Month CD | 1.767% | $88.37 | $176.74 | $441.85 | $883.70 |
| 36-Month CD | 1.381% | $69.04 | $138.07 | $345.18 | $690.35 |
| 48-Month CD | 1.459% | $72.95 | $145.90 | $364.75 | $729.50 |
| 60-Month CD | 1.476% | $73.81 | $147.62 | $369.05 | $738.10 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Nashua, 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 | 2.096% | $104.79 |
| 2 | 6-Month CD | $5,000 | 2.559% | $127.96 |
| 3 | 12-Month CD | $5,000 | 2.432% | $121.59 |
| 4 | 24-Month CD | $5,000 | 1.767% | $88.37 |
| 5 | 36-Month CD | $5,000 | 1.381% | $69.04 |
| Total ($25,000 invested) | $25,000 | 2.047% blended | $511.75/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 Nashua, New Hampshire
About Our Nashua, New Hampshire CD Rate Database
MonitorBankRates tracks 220 CD rates from 20 banks and 8 credit unions with locations in Nashua, 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: Triangle 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 Nashua, New Hampshire.
How to Find the Best CD Rates in Nashua, New Hampshire
What to compare when shopping for a CD in Nashua, New Hampshire
To find the best APYs in Nashua, New Hampshire, start with credit unions and online-only banks — Nashua, New Hampshire has 8 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 Nashua, 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 Nashua, New Hampshire — 28 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Nashua, New Hampshire savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Nashua, New Hampshire money market rates
Nashua, New Hampshire Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
16.9% of residents are 65 or older — below the national average of 17.3%. At today’s NH 12-month CD average of 2.432%, saving 10% of the local median salary ($5,147/year) and putting it in a CD would earn an additional $125 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 Nashua, 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 Nashua, 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 Nashua, 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 Nashua, New Hampshire as everywhere in the U.S.
Choosing a CD Term in Nashua, 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 Nashua, New Hampshire savers easier access to their funds. For example, Triangle Credit Union is offering its 6 Months Special Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Triangle Credit Union is offering its 60 Months at 3.25% 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 Nashua, 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 Nashua, 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 Nashua, 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 Nashua, 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 Nashua, New Hampshire
Most CDs carry a fixed rate that is locked for the entire term, protecting a Nashua, 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 Nashua, New Hampshire
Are CD rates in Nashua, New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in Nashua, 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 Nashua, New Hampshire?
- Triangle Credit Union: 4.00% APY (6 Months Special Certificate)
- Eastern Bank Boston, MA: 3.91% APY (6 Month CD/IRA CD)
- Bellwether Community Credit Union: 3.80% APY (6 Month Certificate)
- Merrimack County SB: 3.60% APY (6 Month Add-On)
- Lowell Five Bank: 3.25% APY (60 Month CD)
- Primary Bank: 3.00% APY (12 Month)
- M&T Bank: 2.75% APY (12-Month M&T Select CD)
- TD Bank: 1.00% APY (3 Month)
- Pentucket Bank: 3.75% APY (12 Month CD)
- Newburyport Bank: 3.75% APY (12 Month Certificate of Deposit)
CD Calculators for Nashua, 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.
Nashua, New Hampshire CD LadderNH CD rates currently range from 2.096% (3-month) to 1.381% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Nashua, 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 2.432% 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 Nashua, 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 Nashua, 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 Nashua, 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.
Nashua, New Hampshire Rates & Resources
