Bank · FDIC insured
Country Bank for Savings CD Rates
Country Bank for Savings’s best CD rate is 3.82% APY on a 9-month CD. Terms run from 3 months to 5 years. Rates checked September 18, 2026.
How Country Bank for Savings’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Country Bank for Savings has the most branches. $10,000, best rate first.
This bank’s best
Country Bank for Savings
3.82%APY
- Term
- 6 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $189
Relationship Certificate of Deposit
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
Country Bank for Savings CD score
72
CD score
Higher than 31% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.04%
- 31–60 months31–60 mo3.04%
- QualifiedQualified3.82%
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 Country Bank for Savings 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.
09 Month Special Certificate of Deposit
3.82%APY · 1 term
Online account opening disclosure for 09 Month Special Certificate of Deposit. Opening deposit requirement is $25,000.00. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty of 3 months' interest. Automatically renews into a traditional 9-month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires $25,000.00 to open. Automatically renews into a traditional 9-month CD | 3.82% | $285 |
Sources (1)
- countrybank.com/online-account…icate-of-deposit-special · captured Sep 18, 2026
Relationship Certificate of Deposit
Up to 3.82%APY · 5 terms
Must be a primary or joint owner on Relationship Rewards Checking Account. Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPrimary or Joint Owner on Relationship Rewards Checking | 3.82% | $189 |
| 10 monthsPrimary or Joint Owner on Relationship Rewards Checking | 3.82% | $317 |
| 14 monthsPrimary or Joint Owner on Relationship Rewards Checking | 3.56% | $417 |
| 28 monthsPrimary or Joint Owner on Relationship Rewards Checking | 3.30% | $787 |
| 42 monthsPrimary or Joint Owner on Relationship Rewards Checking | 3.30% | $1,203 |
Sources (1)
- countrybank.com/certificate-of-deposit-cd · captured Sep 18, 2026
10 Month Add-On Certificate of Deposit Special
3.56%APY · 1 term
Online account opening disclosure for 10 Month Add-On Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Additional deposits of $1,000 or more in new money allowed throughout term, ceasing upon renewal/maturity. Early withdrawal penalty of 3 months' interest. Automatically renews into a 9-month certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsAdditional deposits must be made with $1,000 or more in new money. Ceases upon renewal. Automatically renews into 9-month certificate | 3.56% | $296 |
Sources (1)
- countrybank.com/online-account…icate-of-deposit-special · captured Sep 18, 2026
Certificate of Deposit
Up to 3.56%APY · 13 terms
Minimum balance to earn APY is $500. No withdrawals permitted within first 6 days. Early withdrawal penalty applies. Rate effective September 18, 2026 unless noted otherwise.
| Term | APY · $500 and up | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | — | 0.10% | 0.10% | 0.10% | 0.10%0.10% $25k–$50k0.10% from $50k | $2 |
| 6 months | 3.04% | — | — | — | 3.04% | $151 |
| 9 months | 0.25% | — | — | — | 0.25% | $19 |
| 10 monthsNot available for IRAs or municipalities. Additional deposits of $1,000 or more in new money permitted throughout term, ceasing upon renewal | 3.56% | — | — | — | 3.56% | $296 |
| 12 months | 0.50% | — | — | — | 0.50% | $50 |
| 14 months | 3.20% | — | — | — | 3.20% | $374 |
| 24 months | 0.50% | — | — | — | 0.50% | $100 |
| 28 months | 3.04% | — | — | — | 3.04% | $724 |
| 36 months | 0.75% | — | — | — | 0.75% | $227 |
| 42 months | 3.04% | — | — | — | 3.04% | $1,105 |
| 48 months | 1.00% | — | — | — | 1.00% | $406 |
| 56 months | 3.04% | — | — | — | 3.04% | $1,500 |
| 60 months | 1.00% | — | — | — | 1.00% | $510 |
Sources (1)
- countrybank.com/certificate-of-deposit-cd · captured Sep 18, 2026
14 Month Certificate of Deposit
3.20%APY · 1 term
Online account opening disclosure for 14 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty of 6 months' interest. Automatically renews to a 12 Month CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsAutomatically renews to a 12 Month CD at maturity | 3.20% | $374 |
Sources (1)
- countrybank.com/online-account…h-certificate-of-deposit · captured Sep 18, 2026
06 Month Special Certificate of Deposit
3.04%APY · 1 term
Online account opening disclosure for 06 Month Special Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.04% | $151 |
Sources (1)
- countrybank.com/online-account…icate-of-deposit-special · captured Sep 18, 2026
28 Month Certificate of Deposit
3.04%APY · 1 term
Online account opening disclosure for 28 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 2-year certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 28 monthsAutomatically renews into a 2-year certificate at maturity | 3.04% | $724 |
Sources (1)
- countrybank.com/online-account…h-certificate-of-deposit · captured Sep 18, 2026
42 Month Certificate of Deposit
3.04%APY · 1 term
Online account opening disclosure for 42 Month Certificate of Deposit Special. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 3-year certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 42 monthsAutomatically renews into a 3-year certificate at maturity | 3.04% | $1,105 |
Sources (1)
- countrybank.com/online-account…h-certificate-of-deposit · captured Sep 18, 2026
56 Month Certificate of Deposit
3.04%APY · 1 term
Online account opening disclosure for 56 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. Early withdrawal penalty applies. Automatically renews into a 4-year certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 56 monthsAutomatically renews into a 4-year certificate at maturity | 3.04% | $1,500 |
Sources (1)
- countrybank.com/online-account…h-certificate-of-deposit · captured Sep 18, 2026
4 Year Certificate of Deposit
1.00%APY · 1 term
Online account opening disclosure for 4 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months | 1.00% | $406 |
Sources (1)
- countrybank.com/online-account…ing-disclosure-4-year-cd · captured Sep 18, 2026
5 Year Certificate of Deposit
1.00%APY · 1 term
Online account opening disclosure for 5 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months | 1.00% | $510 |
Sources (1)
- countrybank.com/online-account…ing-disclosure-5-year-cd · captured Sep 18, 2026
3 Year Certificate of Deposit
0.75%APY · 1 term
Online account opening disclosure for 3 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months | 0.75% | $227 |
Sources (1)
- countrybank.com/online-account…ing-disclosure-3-year-cd · captured Sep 18, 2026
12 Month Certificate of Deposit
0.50%APY · 1 term
Online account opening disclosure for 12 Month Certificate of Deposit. Must maintain a minimum balance of $500.00 each day to obtain disclosed APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest. Automatically renews for an identical period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.50% | $50 |
Sources (1)
- countrybank.com/online-account…ing-disclosure-1-year-cd · captured Sep 18, 2026
2 Year Certificate of Deposit
0.50%APY · 1 term
Online account opening disclosure for 2 Year Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 6 months' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 0.50% | $100 |
Sources (1)
- countrybank.com/online-account…g-disclosure-2-year-cd-2 · captured Sep 18, 2026
09 Month Certificate of Deposit
0.25%APY · 1 term
Online account opening disclosure for 09 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 0.25% | $19 |
Sources (1)
- countrybank.com/online-account…ng-disclosure-9-month-cd · captured Sep 18, 2026
03 Month Certificate of Deposit
0.10%APY · 1 term
Online account opening disclosure for 03 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
| Term | APY · $500 – $25,000 | APY · $25,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | 0.10% | 0.10% | 0.10% | 0.10%0.10% $25k–$50k0.10% from $50k | $2 |
Sources (1)
- countrybank.com/online-account…ng-disclosure-3-month-cd · captured Sep 18, 2026
06 Month Certificate of Deposit
0.10%APY · 1 term
Online account opening disclosure for 06 Month Certificate of Deposit. Must maintain minimum daily balance of $500.00 to obtain APY. No additional deposits allowed. Early withdrawal penalty of 3 months' interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.10% | $5 |
Sources (1)
- countrybank.com/online-account…ng-disclosure-6-month-cd · 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.