Bank · FDIC insured
Adams Community Bank CD Rates
Adams Community Bank’s best CD rate is 3.00% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked September 18, 2026.
How Adams Community Bank’s CD rates compare
Compared with banks and credit unions near Pittsfield, MA, where Adams Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Adams Community Bank
3.00%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $275
Statement Certificate
Top rate
MountainOne
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
2nd-highest rate
NBT Bank
4.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $132
Adams Community Bank CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo0.80%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo2.25%
- QualifiedQualified3.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Adams Community Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Statement Certificate
Up to 3.00%APY · 10 terms
Certificate of Deposit earns a fixed rate of interest until maturity. Early withdrawal penalties may apply and reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 0.75% | $19 |
| 6 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 0.80% | $40 |
| 9 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 0.90% | $67 |
| 11 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 3.00% | $275 |
| 12 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 1.25% | $125 |
| 18 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 1.40% | $211 |
| 24 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 1.75% | $353 |
| 36 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.00% | $612 |
| 48 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.15% | $888 |
| 60 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.25% | $1,177 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Flex
3.25%APY · 1 term
Individual Retirement Account CD earning a fixed rate of interest until maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 3.25% | $491 |
Sources (2)
All captured Sep 18, 2026
IRA Certificate
Up to 2.25%APY · 7 terms
Fixed rate of interest until maturity. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 0.75% | $19 |
| 6 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 0.80% | $40 |
| 12 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 1.25% | $125 |
| 24 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 1.75% | $353 |
| 36 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.00% | $612 |
| 48 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.15% | $888 |
| 60 monthsFixed rate until maturity. Interest compounded daily, credited at end of month | 2.25% | $1,177 |
Sources (2)
All captured Sep 18, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.