Bank · FDIC insured
Monson Savings Bank CD Rates
Monson Savings Bank’s best CD rate is 0.30% APY on a 30-month CD. Terms run from 3 months to 42 months. Rates checked October 15, 2026.
How Monson Savings Bank’s CD rates compare
Compared with banks and credit unions near Springfield, MA, where Monson Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Monson Savings Bank
0.30%APY
- Term
- 30 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $75
Certificates of Deposit (CDs)
Top rate
Freedom Credit Union
4.50%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $566
2nd-highest rate
MASSMUTUAL
4.33%APY
- Term
- 15 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $544
Monson Savings Bank CD score
60
CD score
Higher than 1% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.15%
- 16–30 months16–30 mo0.30%
- 31–60 months31–60 mo0.30%
- QualifiedQualified0.30%
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 Monson 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.
Certificates of Deposit (CDs)
Up to 0.30%APY · 9 terms
Fixed rates throughout the term. Substantial early withdrawal penalty applies. Automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.05% | $1 |
| 6 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.10% | $5 |
| 9 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.10% | $7 |
| 12 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.15% | $15 |
| 18 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.20% | $30 |
| 24 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.25% | $50 |
| 30 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.30% | $75 |
| 36 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.30% | $90 |
| 42 monthsEarly withdrawal penalty applies. Fixed rate throughout the term | 0.30% | $105 |
Sources (3)
- monsonsavings.bank/bank/personal-savings
- monsonsavings.bank/bank/person…ates-of-deposit-cds.html
- monsonsavings.bank/manage/tools/rates.html
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 0.30%APY · 8 terms
Available in Traditional and Roth IRA options. Substantial penalties apply for early withdrawal. No setup fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.10% | $5 |
| 9 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.10% | $7 |
| 12 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.15% | $15 |
| 18 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.20% | $30 |
| 24 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.25% | $50 |
| 30 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.30% | $75 |
| 36 monthsFixed rate product. Substantial penalties apply for early withdrawal | 0.30% | $90 |
| 60 monthsVariable rate product; interest rate and APY are based on money market rates and may change after the account is opened. Substantial penalties apply for early withdrawal | 0.30% | $151 |
Sources (2)
All 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.