Bank · FDIC insured
Charles River Bank CD Rates
Charles River Bank’s best CD rate is 3.75% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Charles River Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Charles River Bank has the most branches. $10,000, best rate first.
This bank’s best
Charles River Bank
3.75%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $375
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
Charles River Bank CD score
75
CD score
Higher than 38% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.75%
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 Charles River 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 3.75%APY · 10 terms
Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Penalty will be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.25% | $56 |
| 6 months | 2.50% | $124 |
| 12 months | 3.75% | $375 |
| 18 months | 3.50% | $530 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 42 months | 3.00% | $1,090 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- charlesriverbank.com/cd-and-ira-rates · captured Sep 18, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 3.75%APY · 10 terms
Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Penalty will be imposed for early withdrawal on Certificates of Deposit. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.25% | $56 |
| 6 months | 2.53% | $126 |
| 12 months | 3.75% | $375 |
| 18 months | 3.50% | $530 |
| 24 months | 3.00% | $609 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 42 months | 3.00% | $1,090 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- charlesriverbank.com/cd-and-ira-rates · 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.