Bank · FDIC insured
Mascoma Bank CD Rates
Mascoma Bank’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Mascoma Bank’s CD rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where Mascoma Bank has the most branches. $10,000, best rate first.
This bank’s best
Mascoma Bank
4.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $400
Certificate of Deposit
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
Passumpsic Bank
4.15%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $240
Mascoma Bank CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.85%
- 31–60 months31–60 mo0.55%
- QualifiedQualified4.00%
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 Mascoma 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.
Certificate of Deposit
Up to 4.00%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 7 days | 0.05% | $0 |
| 3 months | 2.50% | $62 |
| 5 months | 3.55% | $146 |
| 6 months | 2.40% | $119 |
| 9 months | 3.65% | $273 |
| 12 months | 4.00% | $400 |
| 12 monthsRelationship Gold Checking Account required | 2.20% | $220 |
| 18 months | 3.85% | $583 |
| 24 months | 0.35% | $70 |
| 36 months | 0.40% | $120 |
| 48 months | 0.45% | $181 |
| 60 months | 0.55% | $278 |
Sources (1)
- mascoma.bank/personal-banking/…it-accounts/cds-and-iras · captured Sep 19, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownTerm is 7 days | 0.05% | $0 |
| 12 months | 4.00% | $400 |
| 18 months | 3.85% | $583 |
| 18 monthsVariable Rate | 0.25% | $38 |
| 24 months | 0.35% | $70 |
| 36 months | 0.40% | $120 |
| 48 months | 0.45% | $181 |
| 60 months | 0.55% | $278 |
Sources (1)
- mascoma.bank/personal-banking/…it-accounts/cds-and-iras · captured Sep 19, 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.