Bank · FDIC insured
MountainOne CD Rates
MountainOne’s best CD rate is 4.25% APY on a 14-month CD. Terms run from 3 months to 5 years. Rates checked October 5, 2026.
How MountainOne’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where MountainOne has the most branches. $10,000, best rate first.
This bank’s best
MountainOne
4.25%APY
- Term
- 14 months
- Minimum
- $1,000
- Earns on $10,000
- $498
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
MountainOne CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.25%
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 MountainOne 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 4.25%APY · 11 terms
Fixed rate of interest until maturity. Premium CD rates may be available to customers with an active VISTA Relationship; excludes CD Specials. Substantial penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 3.00% | $149 |
| 8 monthsCD Special. New money required. Funds cannot come from an existing MountainOne deposit account | 4.00% | $265 |
| 9 months | 2.75% | $206 |
| 12 months | 2.75% | $275 |
| 14 monthsCD Special. New money required. Funds cannot come from an existing MountainOne deposit account | 4.25% | $498 |
| 18 months | 2.25% | $339 |
| 24 months | 2.00% | $404 |
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- mountainone.com/rates/certificates-of-deposit · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRA)
Up to 2.50%APY · 7 terms
Time accounts earn a fixed rate of interest until maturity. Substantial penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.10% | $55 |
| 12 months | 1.25% | $125 |
| 18 months | 2.25% | $339 |
| 24 months | 2.00% | $404 |
| 36 months | 2.25% | $690 |
| 48 months | 2.50% | $1,038 |
Sources (1)
- mountainone.com/rates/individual-retirement-accounts-ira · 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.