Bank · FDIC insured
Martha’s Vineyard Bank CD Rates
Martha’s Vineyard Bank’s best CD rate is 3.70% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Martha’s Vineyard Bank’s CD rates compare
Compared with banks and credit unions near Vineyard Haven, MA, where Martha’s Vineyard Bank has the most branches. $10,000, best rate first.
This bank’s best
Martha’s Vineyard Bank
3.70%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $370
Certificates of Deposit (CDs)
Top rate
Rockland Trust
4.15%APY
- Term
- 18 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $629
2nd-highest rate
Cape Cod 5
4.00%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $400
Martha’s Vineyard Bank CD score
73
CD score
Higher than 35% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.70%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.20%
- QualifiedQualified3.70%
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 Martha’s Vineyard 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 (CDs)
Up to 3.70%APY · 11 terms
Rates effective: September 25, 2026. $1,000 minimum to open and $1,000 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm: 3 months | 3.00% | $74 |
| 5 monthsTerm: 5 months. Special CD | 3.60% | $148 |
| 6 monthsTerm: 6 months | 3.10% | $154 |
| 7 monthsTerm: 7 months. Special CD | 3.25% | $188 |
| 9 monthsTerm: 9 months | 3.50% | $261 |
| 9 monthsTerm: 9 months. Special CD | 3.00% | $224 |
| 12 monthsTerm: 12 months | 3.70% | $370 |
| 18 monthsTerm: 18 months | 2.50% | $377 |
| 24 monthsTerm: 24 months | 2.20% | $445 |
| 36 monthsTerm: 36 months | 2.20% | $675 |
| 48 monthsTerm: 48 months | 2.00% | $824 |
| 60 monthsTerm: 60 months | 2.00% | $1,041 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates of Deposit (CDs)
Up to 3.70%APY · 9 terms
Fixed interest rates. $100 minimum to open and $100 balance needed to earn the stated APY. APY assumes funds remain in the account until maturity. Early withdrawals may incur penalties and fees may reduce savings. Rates are guaranteed for the length of the term with fixed rate term accounts. Rates effective: September 25, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRate guaranteed for the length of the term | 3.00% | $74 |
| 6 monthsRate guaranteed for the length of the term | 3.10% | $154 |
| 9 monthsRate guaranteed for the length of the term | 3.50% | $261 |
| 12 monthsRate guaranteed for the length of the term | 3.70% | $370 |
| 18 monthsRate guaranteed for the length of the term | 2.50% | $377 |
| 24 monthsRate guaranteed for the length of the term | 2.20% | $445 |
| 36 monthsRate guaranteed for the length of the term | 2.20% | $675 |
| 48 monthsRate guaranteed for the length of the term | 2.00% | $824 |
| 60 monthsRate guaranteed for the length of the term | 2.00% | $1,041 |
Sources (1)
- mvbank.com/resources/rate-tables/certificates-of-deposit · 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.