Bank · FDIC insured
Needham Bank CD Rates
Needham Bank’s best CD rate is 4.20% APY on a 7-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Needham Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Needham Bank has the most branches. $10,000, best rate first.
This bank’s best
Needham Bank
4.20%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $384
Personal Certificate 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
Needham Bank CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo3.70%
- 31–60 months31–60 mo3.15%
- QualifiedQualified4.20%
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 Needham 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.
Personal Certificate of Deposit
Up to 4.20%APY · 11 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.80% | $94 |
| 6 months | 3.90% | $193 |
| 7 months | 4.20% | $243 |
| 11 months | 4.20% | $384 |
| 12 months | 3.85% | $385 |
| 15 months | 4.20% | $528 |
| 18 months | 3.70% | $560 |
| 24 months | 3.15% | $640 |
| 36 months | 3.15% | $975 |
| 48 months | 3.15% | $1,321 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- needhambank.com/personal/savin…l-certificate-of-deposit · captured Oct 15, 2026
Opening an account
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