Bank · FDIC insured
Clinton Savings Bank CD Rates
Clinton Savings Bank’s best CD rate is 4.00% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Clinton Savings Bank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Clinton Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Clinton Savings Bank
4.00%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $434
Certificates of Deposit (CDs)
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Clinton Savings Bank CD score
78
CD score
Higher than 46% of U.S. banks and credit unions
- 3–8 months3–8 mo3.70%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.45%
- 31–60 months31–60 mo0.70%
- QualifiedQualified4.00%
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 Clinton Savings 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 (CDs)
Up to 4.00%APY · 11 terms
Fixed interest rate for the length of the term. No setup or maintenance fees. Early withdrawal penalties apply. Interest is compounded daily and credited on the last day of the month.
| Term | APY · $10 and up | APY · Up to $1,000,000 | APY · Up to $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3–5 months | 0.10% | — | — | 0.10% | $2 |
| 5 months5-Month Special (Regular CD Only). Maximum $1,000,000.00 per customer. At maturity, reverts to a 3-month CD with non-promotional APY at that time. Not combinable with other promotional offers | — | 3.40% | — | 3.40% | $140 |
| 6–11 months | 0.15% | — | — | 0.15% | $7 |
| 8 months8-Month Special. At maturity, reverts to a 6-month CD with non-promotional APY at that time. Not combinable with other promotional offers | 3.70% | — | — | 3.70% | $245 |
| 12–17 months | 0.20% | — | — | 0.20% | $20 |
| 12–17 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.30% | 0.30% | $30 |
| 13 months13-Month Special. Municipalities not eligible. At maturity, reverts to a 12-month CD with non-promotional APY at that time. Not combinable with other promotional offers | 4.00% | — | — | 4.00% | $434 |
| 18–23 months | 0.25% | — | — | 0.25% | $38 |
| 18–23 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.35% | 0.35% | $53 |
| 24–35 months | 0.35% | — | — | 0.35% | $70 |
| 24–35 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.45% | 0.45% | $90 |
| 36–47 months | 0.45% | — | — | 0.45% | $136 |
| 36–47 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.55% | 0.55% | $166 |
| 48–59 months | 0.50% | — | — | 0.50% | $202 |
| 48–59 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.60% | 0.60% | $242 |
| 60 months | 0.60% | — | — | 0.60% | $304 |
| 60 monthsPromotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | — | 0.70% | 0.70% | $355 |
Sources (3)
- clintonsavings.com/personal/savings
- clintonsavings.com/personal/sa…ates-of-deposit-cds.html
- clintonsavings.com/tools/rates.html
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificates of Deposit
Up to 4.00%APY · 9 terms
Available in Traditional IRA and Roth IRA options. Annual fee of $10 is waived for Preferred Checking account holders. Combined annual contribution limit applies ($7,500 for 2026, or $8,600 if age 50 or over). Early withdrawal penalties apply.
| Term | APY · $10 and up | APY · Up to $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6–11 months$10 annual fee waived for Preferred Checking account holders | 0.15% | — | 0.15% | $7 |
| 8 months8-Month Special CD/IRA. $10 annual fee waived for Preferred Checking account holders. At maturity, reverts to a 6-month CD/IRA with non-promotional APY at that time. Not combinable with other promotional offers | 3.70% | — | 3.70% | $245 |
| 12–17 months$10 annual fee waived for Preferred Checking account holders | 0.20% | — | 0.20% | $20 |
| 12–17 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.30% | 0.30% | $30 |
| 13 months13-Month Special CD/IRA. $10 annual fee waived for Preferred Checking account holders. Municipalities not eligible. At maturity, reverts to a 12-month CD/IRA with non-promotional APY at that time. Not combinable with other promotional offers | 4.00% | — | 4.00% | $434 |
| 18–23 months$10 annual fee waived for Preferred Checking account holders | 0.25% | — | 0.25% | $38 |
| 18–23 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.35% | 0.35% | $53 |
| 24–35 months$10 annual fee waived for Preferred Checking account holders | 0.35% | — | 0.35% | $70 |
| 24–35 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.45% | 0.45% | $90 |
| 36–47 months$10 annual fee waived for Preferred Checking account holders | 0.45% | — | 0.45% | $136 |
| 36–47 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.55% | 0.55% | $166 |
| 48–59 months$10 annual fee waived for Preferred Checking account holders | 0.50% | — | 0.50% | $202 |
| 48–59 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.60% | 0.60% | $242 |
| 60 months$10 annual fee waived for Preferred Checking account holders | 0.60% | — | 0.60% | $304 |
| 60 months$10 annual fee waived for Preferred Checking account holders. Promotional rate requires a consumer checking account (excluding money market checking) with recurring direct deposit set up within 45 calendar days of opening. Maximum $500,000.00 per account holder. Reverts to non-promotional APY at maturity | — | 0.70% | 0.70% | $355 |
Sources (2)
All captured Oct 15, 2026
12-Month Get Real Add-On CD
3.00%APY · 1 term
Available to savers ages 14 to 25 with an active Get Real Checking Account or Get Real Savings Account. Savers under age 18 require signature of parent or legal guardian as joint owner. Deposits can be added throughout the term until maturity. At maturity, reverts to a standard 12-month CD without add-on deposit ability at non-promotional APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsPromotional rate. Minimum $100 opening deposit and $10 minimum balance required to obtain APY | 3.00% | $300 |
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.