Bank · FDIC insured
Millbury National Bank CD Rates
Top CarrotMillbury National Bank’s best CD rate is 4.06% APY on a 7-month CD. Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Millbury National Bank’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Millbury National Bank has the most branches. $10,000, best rate first.
This bank’s best
Millbury National Bank
4.06%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $235
CD Specials
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Millbury National Bank CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo4.06%
- 9–15 months9–15 mo3.44%
- 16–30 months16–30 mo3.55%
- 31–60 months31–60 mo3.55%
- QualifiedQualified4.06%
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 Millbury National 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.
CD Specials
Up to 4.06%APY · 2 terms
Early withdrawal penalties apply. Promo rates.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day Special | — | 3.65% | 3.65% | $90 |
| 7 months7 Months Special | 4.06% | — | 4.06% | $235 |
Sources (2)
- mnbonline.com/loans/personal-l…/cash-reserve-loans.html
- mnbonline.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Platinum CD Specials
Up to 3.80%APY · 3 terms
Must be part of the Preferred Customer program to earn the stated Gold and Platinum Rates. Gold customers have a combined average deposit balance of $100,000 or more and platinum customers have a combined average deposit balance of $250,000 or more. Advertised interest is paid only on balances up to $1,000,000.00. Balances over $1,000,000.00 will not earn interest on the portion of the balance that is over $1,000,000.00. See the Preferred Customer page for more information.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.70% | $370 |
| 24 months | 3.80% | $774 |
| 36 months | 3.80% | $1,184 |
Sources (2)
- mnbonline.com/loans/personal-l…/cash-reserve-loans.html
- mnbonline.com/services-tools/tools/rates.html
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.65%APY · 5 terms
Early withdrawals may result in penalties: 30 days interest for 3-month CDs, 60 days interest for 6-month CDs, 180 days interest for 1-year CDs, 180 days interest for 2-year CDs and 180 days interest for 3-year CDs. No setup or maintenance fees.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day CD | — | 3.65% | 3.65% | $90 |
| 6 months6 Month CD | 3.63% | — | 3.63% | $180 |
| 12 months1 Year CD | 3.44% | — | 3.44% | $344 |
| 24 months2 Year CD | 3.55% | — | 3.55% | $723 |
| 36 months3 Year CD | 3.55% | — | 3.55% | $1,103 |
Special-purpose accounts
Individual Retirement Accounts (IRAs) - Certificates
Up to 3.63%APY · 2 terms
No setup fees. No monthly or annual maintenance fees. $500 minimum deposit to open. Traditional or Roth options available. Early withdrawals subject to penalty (60 days interest for 6-month IRAs, 180 days interest for 1-year IRA).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.63% | $180 |
| 12 months | 3.44% | $344 |
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.