Bank · FDIC insured
Avidia Bank CD Rates
Top CarrotAvidia Bank’s best CD rate is 4.10% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Avidia Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Avidia Bank has the most branches. $10,000, best rate first.
This bank’s best
Avidia Bank
4.10%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $515
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
Avidia Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.05%
- 31–60 months31–60 mo2.28%
- QualifiedQualified4.10%
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 Avidia 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.
Certificates of Deposit
Up to 4.10%APY · 13 terms
Available to both consumer and business customers. Online banking customers can open a new CD anytime. Early withdrawal penalty may apply. Interest posts on the 15th of each month and at maturity. No maintenance fees. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.00% | $74 |
| 5 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.00% | $124 |
| 6 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.00% | $149 |
| 7 months7 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal | 4.00% | $231 |
| 7 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.00% | $174 |
| 9 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.00% | $224 |
| 12 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.05% | $305 |
| 15 months15 Month CD Special. Unless changes are made to your account during the 10-day grace period following maturity, renews for a 12-month term at the then current rate. Available to consumer and business customers. Not valid on IRA CDs. Penalty may be imposed for early withdrawal | 4.10% | $515 |
| 18 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.05% | $461 |
| 24 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 3.05% | $619 |
| 30 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal. 30-month bump up CD features a one-time rate increase to the current 30-month CD rate anytime during the term | 2.28% | $580 |
| 36 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 2.28% | $700 |
| 48 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 2.28% | $944 |
| 60 monthsDaily minimum balance to obtain APY is $1,000. Penalty may be imposed for early withdrawal | 2.28% | $1,193 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.05%APY · 7 terms
IRA Certificates of Deposit. Penalty may be imposed if there is an early withdrawal. Fees on accounts may reduce earnings. Online account opening available to New England residents only (MA, RI, CT, VT, NH & ME).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 3.05% | $305 |
| 18 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 3.05% | $461 |
| 24 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 3.05% | $619 |
| 30 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply. 30-month bump up IRA CD features a one-time rate increase to the current 30-month IRA CD rate anytime during the term | 2.28% | $580 |
| 36 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 2.28% | $700 |
| 48 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 2.28% | $944 |
| 60 monthsDaily minimum balance to obtain APY is $500 (noted as $10 on cdira-rates-page). Early withdrawal penalty may apply | 2.28% | $1,193 |
Sources (3)
All captured Oct 5, 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.