Bank · FDIC insured
Coastal Heritage Bank CD Rates
Coastal Heritage Bank’s best CD rate is 4.08% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Coastal Heritage Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Coastal Heritage Bank has the most branches. $10,000, best rate first.
This bank’s best
Coastal Heritage Bank
4.08%APY
- Term
- 7 months
- Minimum
- $1,000
- Earns on $10,000
- $236
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
Coastal Heritage Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo4.08%
- 9–15 months9–15 mo4.08%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.08%
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 Coastal Heritage 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 4.08%APY · 11 terms
A penalty may be imposed for early withdrawals. Fees may reduce earnings. Minimum opening balance is $1,000.00. For eOpen online account opening certificate terms are limited to 6 months and 12 months and special offers. CDs conveniently renew automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.25% | $80 |
| 6 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $156 |
| 7 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 4.08% | $236 |
| 9 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.05% | $228 |
| 11 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 4.08% | $373 |
| 12 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.05% | $305 |
| 18 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $476 |
| 24 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $640 |
| 36 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $975 |
| 48 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $1,321 |
| 60 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $1,677 |
Sources (2)
- coastalheritagebank.com/rates/deposit-accounts
- coastalheritagebank.com/person…/certificates-of-deposit
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates of Deposit
Up to 3.25%APY · 9 terms
A penalty may be imposed for early withdrawals. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.25% | $80 |
| 6 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $156 |
| 9 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.05% | $228 |
| 12 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.05% | $305 |
| 18 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $476 |
| 24 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $640 |
| 36 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $975 |
| 48 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $1,321 |
| 60 monthsA penalty may be imposed for early withdrawals. Fees may reduce earnings | 3.15% | $1,677 |
Sources (1)
- coastalheritagebank.com/rates/deposit-accounts · 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.