Bank · FDIC insured
Florence Bank CD Rates
Florence Bank’s best CD rate is 3.55% APY on a 14-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Florence Bank’s CD rates compare
Compared with banks and credit unions near Amherst Town, MA, where Florence Bank has the most branches. $10,000, best rate first.
This bank’s best
Florence Bank
3.55%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $415
Certificates of Deposit
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
Greenfield Savings Bank
4.28%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $1,340
Florence Bank CD score
71
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.10%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.55%
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 Florence 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 3.55%APY · 15 terms
Maximum of $1,000,000.00 is allowed per account. Certificates of Deposit earn a fixed interest rate for the entire term. A penalty may be imposed for withdrawals prior to maturity. Fees may reduce earnings on these accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 5 months | 3.30% | $136 |
| 6 months | 1.50% | $75 |
| 7 monthsOur Easy Out CDs allow for withdrawals of the principal, penalty free every 7 days | 3.00% | $174 |
| 9 months | 3.40% | $254 |
| 12 months | 1.50% | $150 |
| 14 months | 3.55% | $415 |
| 16 months | 3.10% | $415 |
| 17 monthsOur Easy Out CDs allow for withdrawals of the principal, penalty free every 7 days | 0.15% | $21 |
| 18 months | 0.20% | $30 |
| 24 months | 2.15% | $435 |
| 30 months | 0.35% | $88 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- florencebank.com/personal/depo…s/certificate-of-deposit
- florencebank.com/personal/depo…s/personal-deposit-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.55%APY · 12 terms
Maximum of $1,000,000.00 per account. Earns a fixed interest rate for the entire term. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 3.30% | $136 |
| 6 months | 1.50% | $75 |
| 9 months | 3.40% | $254 |
| 12 months | 1.50% | $150 |
| 14 months | 3.55% | $415 |
| 16 months | 3.10% | $415 |
| 18 months | 0.20% | $30 |
| 24 months | 2.15% | $435 |
| 30 months | 0.35% | $88 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (2)
- florencebank.com/personal/deposit-accounts/ira
- florencebank.com/personal/depo…s/personal-deposit-rates
All 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.