Bank · FDIC insured
Institution for Savings CD Rates
Institution for Savings’s best CD rate is 4.50% APY on a 15-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Institution for Savings’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Institution for Savings has the most branches. $10,000, best rate first.
This bank’s best
Institution for Savings
4.50%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $566
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
Institution for Savings CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.40%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.50%
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 Institution 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.
Certificates of Deposit
Up to 4.50%APY · 20 terms
Certificate of Deposit rates and Annual Percentage Yields are fixed for the duration of the term. Penalties apply for early withdrawals of principal from Certificates of Deposit. Interest posted during the current term may be withdrawn without penalty. Accounts are available for personal and business accounts. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.25% | $56 |
| 6 months | 2.25% | $112 |
| 7 monthsMaximum deposit of $250,000 per primary account owner | 4.10% | $237 |
| 9 months | 2.25% | $168 |
| 10 months | 2.25% | $187 |
| 11 monthsPenalty free. Product no longer available to open | 0.25% | $23 |
| 11 monthsProduct no longer available to open | 0.50% | $46 |
| 12 months | 2.25% | $225 |
| 13 months | 2.25% | $244 |
| 14 months | 2.25% | $263 |
| 15 monthsAvailable to Individuals and Businesses for a Limited Time. Maximum deposit per primary account owner is $250,000 plus interest paid | 4.50% | $566 |
| 16 months | 2.25% | $301 |
| 18 months | 2.25% | $339 |
| 20 months | 2.25% | $378 |
| 23 months | 2.25% | $436 |
| 24 months | 2.25% | $455 |
| 30 monthsMaximum deposit of $250,000 per primary account owner | 4.40% | $1,137 |
| 36 months | 2.25% | $690 |
| 40 months | 2.25% | $770 |
| 48 months | 2.25% | $931 |
| 60 months | 2.25% | $1,177 |
Sources (3)
- institutionforsavings.com/personal/cds-iras
- institutionforsavings.com/rates/cds-iras
- institutionforsavings.com/cd-rates-special
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 4.25%APY · 20 terms
Traditional, Roth or Simplified Employee Pension (SEP) IRAs available. Rates and APYs are fixed for the duration of the term. Penalties apply for early withdrawals of principal. Interest posted during the current term may be withdrawn without penalty. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.25% | $56 |
| 6 months | 2.25% | $112 |
| 7 months | 4.00% | $231 |
| 9 months | 2.25% | $168 |
| 10 months | 2.25% | $187 |
| 11 monthsPenalty free. Product no longer available to open | 0.25% | $23 |
| 11 monthsProduct no longer available to open | 0.50% | $46 |
| 12 months | 2.25% | $225 |
| 13 months | 2.25% | $244 |
| 14 months | 2.25% | $263 |
| 15 months | 2.25% | $282 |
| 16 months | 2.25% | $301 |
| 18 months | 2.25% | $339 |
| 20 months | 2.25% | $378 |
| 23 months | 2.25% | $436 |
| 24 months | 4.25% | $868 |
| 30 months | 2.25% | $572 |
| 36 months | 2.25% | $690 |
| 40 months | 2.25% | $770 |
| 48 months | 2.25% | $931 |
| 60 months | 2.25% | $1,177 |
Sources (3)
- institutionforsavings.com/personal/cds-iras
- institutionforsavings.com/rates/cds-iras
- institutionforsavings.com/cd-rates-special
All captured Sep 18, 2026
Opening an account
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