Bank · FDIC insured
Greenfield Savings Bank CD Rates
Top CarrotGreenfield Savings Bank’s best CD rate is 4.28% APY on a 3-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Greenfield Savings Bank’s CD rates compare
Compared with banks and credit unions near Greenfield, MA, where Greenfield Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Greenfield Savings Bank
4.28%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,340
Traditional Certificates of Deposit
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
3rd-highest rate
M&T Bank
3.85%APY
- Term
- 18 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $583
Greenfield Savings Bank CD score
87
CD score
Higher than 79% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo0.40%
- 16–30 months16–30 mo4.18%
- 31–60 months31–60 mo4.28%
- QualifiedQualified4.28%
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 Greenfield 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.
Traditional Certificates of Deposit
Up to 4.28%APY · 9 terms
Available with a Passbook or Statement Account. Open at any branch. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months91 Day CD. Minimum balance to obtain APY is based on daily balance | 3.03% | $76 |
| 6 months6 Month CD. Minimum balance to obtain APY is based on daily balance | 0.35% | $17 |
| 7 months7 Month Special CD. Minimum balance to obtain APY is based on daily balance | 3.04% | $176 |
| 12 months12 Month CD. Minimum balance to obtain APY is based on daily balance | 0.40% | $40 |
| 18 months18 Month CD. Minimum balance to obtain APY is based on daily balance | 4.18% | $634 |
| 24 months24 Month CD. Minimum balance to obtain APY is based on daily balance | 4.18% | $853 |
| 36 months36 Month CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $1,340 |
| 48 months48 Month CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $1,825 |
| 60 months60 Month CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $2,331 |
Sources (2)
All captured Oct 5, 2026
Flex Certificate of Deposit
0.35%APY · 1 term
Statement Account only. Allows unlimited deposits during term and withdrawals once every seven days (early withdrawal penalty of three months interest if the account balance drops below $1,000). Open at any branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month Flex CD. Minimum balance to obtain APY is based on daily balance | 0.35% | $17 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts Certificates of Deposit
Up to 4.28%APY · 8 terms
Individual Retirement Account (IRA) CD terms. Penalties for early withdrawal on CDs may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months6 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 0.35% | $17 |
| 7 months7 Month Special IRA CD. Minimum balance to obtain APY is based on daily balance | 3.04% | $176 |
| 12 months12 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 0.40% | $40 |
| 18 months18 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 4.18% | $634 |
| 24 months24 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 4.18% | $853 |
| 36 months36 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $1,340 |
| 48 months48 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $1,825 |
| 60 months60 Month IRA CD. Minimum balance to obtain APY is based on daily balance | 4.28% | $2,331 |
Sources (1)
- greenfieldsavings.com/rates · 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.