Bank · FDIC insured
Bluestone Bank CD Rates
Top CarrotBluestone Bank’s best CD rate is 3.95% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Bluestone Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Bluestone Bank has the most branches. $10,000, best rate first.
This bank’s best
Bluestone Bank
3.95%APY
- Term
- 12 months
- Minimum
- $2,000
- Earns on $10,000
- $395
Fixed Rate CD
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
Bluestone Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo3.95%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo3.85%
- QualifiedQualified3.95%
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 Bluestone 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.
Fixed Rate CD
Up to 3.95%APY · 9 terms
Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.50% | $86 |
| 6 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.65% | $181 |
| 9 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.80% | $284 |
| 12 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.95% | $395 |
| 18 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.80% | $575 |
| 24 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.85% | $785 |
| 36 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.85% | $1,200 |
| 48 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.55% | $1,497 |
| 60 monthsInterest compounded daily and credited monthly. Penalty for early withdrawal | 3.55% | $1,906 |
Sources (1)
- bluestone.bank/personal/cds-iras/cds · captured Oct 15, 2026
Fixed Rate CD Special
Up to 3.70%APY · 2 terms
Limited time offer; subject to change or withdrawal at any time. Interest compounded daily and credited monthly. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsFixed Rate CD Special. Interest compounded daily and credited monthly. Penalty for early withdrawal | 3.70% | $153 |
| 9 monthsFixed Rate CD Special. Interest compounded daily and credited monthly. Penalty for early withdrawal | 3.65% | $273 |
Sources (1)
- bluestone.bank/personal/cds-iras/cds · captured Oct 5, 2026
Special-purpose accounts
IRA CD
3.80%APY · 1 term
Variable rate CD allowing additional deposits (minimum $100.00). Minimum opening balance is $200.00. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsVariable rate; Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00. Additional deposits allowed (minimum additional deposit of $100.00). Interest is compounded daily and credited monthly. Penalty for early withdrawal | 3.80% | $575 |
Sources (3)
- bluestone.bank/personal/cds-iras/cds
- bluestone.bank/personal/cds-iras/ira-cds
- bluestone.bank/personal/cds-iras/iras
All captured Oct 15, 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.