Bank · FDIC insured
Newburyport Bank CD Rates
Top CarrotNewburyport Bank’s best CD rate is 4.35% APY on a 20-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Newburyport Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Newburyport Bank has the most branches. $10,000, best rate first.
This bank’s best
Newburyport Bank
4.35%APY
- Term
- 20 months
- Minimum
- $500
- Earns on $10,000
- $735
20 Month Certificate of Deposit Special
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
Newburyport Bank CD score
90
CD score
Higher than 91% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.35%
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 Newburyport 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.
20 Month Certificate of Deposit Special
4.35%APY · 1 term
Not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 monthsNot available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 4.35% | $735 |
Sources (1)
- newburyportbank.com/checking-savings/deposit-rates · captured Oct 15, 2026
10 Month Certificate of Deposit Special
4.05%APY · 1 term
Not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsNot available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 4.05% | $336 |
Sources (1)
- newburyportbank.com/checking-savings/deposit-rates · captured Oct 15, 2026
5 Month Certificate of Deposit Special
4.00%APY · 1 term
Not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsNot available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 4.00% | $165 |
Sources (1)
- newburyportbank.com/checking-savings/deposit-rates · captured Oct 15, 2026
Certificates of Deposit
Up to 3.75%APY · 9 terms
Substantial penalty for early withdrawal. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.25% | $80 |
| 6 months | 3.25% | $161 |
| 9 months | 3.25% | $243 |
| 12 months | 3.75% | $375 |
| 18 months | 3.25% | $491 |
| 24 months | 3.75% | $764 |
| 36 months | 3.25% | $1,007 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.25% | $1,734 |
Sources (1)
- newburyportbank.com/checking-savings/deposit-rates · captured Oct 15, 2026
Special-purpose accounts
IRAs
Up to 3.75%APY · 6 terms
No minimum balance required to earn stated APY. Penalty imposed for early withdrawal from IRA. Subject to additional IRS considerations. Fees could reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.75% | $375 |
| 18 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.25% | $491 |
| 24 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.75% | $764 |
| 36 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.25% | $1,007 |
| 48 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.25% | $1,365 |
| 60 monthsNo minimum balance required to earn stated Annual Percentage Yield | 3.25% | $1,734 |
Sources (1)
- newburyportbank.com/checking-savings/deposit-rates · captured Oct 15, 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.