Bank · FDIC insured
MutualOne Bank CD Rates
MutualOne Bank’s best CD rate is 3.56% APY on a 6-month CD. Terms run from 3 months to 61 months. Rates checked October 15, 2026.
How MutualOne Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where MutualOne Bank has the most branches. $10,000, best rate first.
This bank’s best
MutualOne Bank
3.56%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
CD Specials
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
MutualOne Bank CD score
69
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.46%
- 16–30 months16–30 mo1.75%
- 31–60 months31–60 mo0.55%
- QualifiedQualified3.56%
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 MutualOne 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 3.56%APY · 3 terms
Deposits must be new money to the Bank (not previously held by MutualOne Bank) for 3-month and 6-month terms. Guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNew money required. Interest is paid at maturity. Guaranteed for the length of the term. Early withdrawal penalty may apply | 3.35% | $83 |
| 6 monthsNew money required. Interest paid and compounded monthly. Guaranteed for the length of the term. Early withdrawal penalty may apply | 3.56% | $176 |
| 9 monthsStatement only. Interest paid and compounded monthly. Guaranteed for the length of the term. Early withdrawal penalty may apply | 3.46% | $258 |
Sources (1)
- mutualone.com/cd-ira-rates · captured Oct 5, 2026
Certificates of Deposit (CDs)
Up to 2.02%APY · 11 terms
Rates on term accounts are guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Fees could reduce earnings. Penalty for early withdrawal may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownPaid at maturity. 28 day term. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $0 |
| 7 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $26 |
| 12 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $45 |
| 13 monthsStatement only. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 2.02% | $219 |
| 18 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 1.75% | $264 |
| 24 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 1.31% | $264 |
| 30 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.50% | $125 |
| 36 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $166 |
| 48 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $222 |
| 60 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $278 |
| 61 monthsMaximum opening deposit $1,000,000. Statement only. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $283 |
Advantage CD
0.40%APY · 1 term
Guaranteed for length of term. Interest paid and compounded monthly. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsInterest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.40% | $30 |
Sources (1)
- mutualone.com/cd-ira-rates · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 2.02%APY · 12 terms
Traditional and Roth IRAs offered. IRA accounts must be opened at a branch. Rates on term accounts are guaranteed for the length of the term. Except where noted, interest is paid and compounded monthly. Early withdrawal penalty may apply. Annual IRA Fee $25.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| UnknownPaid at maturity. 28 day term. Must be opened at one of our branches. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $0 |
| 7 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $26 |
| 9 months9 month Advantage CD term. Must be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.40% | $30 |
| 12 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.45% | $45 |
| 13 monthsStatement only. Must be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 2.02% | $219 |
| 18 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 1.75% | $264 |
| 24 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 1.31% | $264 |
| 30 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.50% | $125 |
| 36 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $166 |
| 48 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $222 |
| 60 monthsMust be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $278 |
| 61 monthsMaximum opening deposit $1,000,000. Statement only. Must be opened at one of our branches. Interest paid and compounded monthly. Guaranteed for length of term. Early withdrawal penalty may apply | 0.55% | $283 |
Sources (3)
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.