Bank · FDIC insured
North Country Savings Bank CD Rates
North Country Savings Bank’s best CD rate is 3.04% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How North Country Savings Bank’s CD rates compare
Compared with banks and credit unions near Massena, NY, where North Country Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
North Country Savings Bank
3.56%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $386
CD Specials
Top rate
Massena Savings & Loan Association
4.90%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,543
2nd-highest rate
Northern Credit Union
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $353
North Country Savings Bank CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo2.53%
- 31–60 months31–60 mo3.04%
- 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 North Country 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.
CD Specials
Up to 3.56%APY · 2 terms
Special certificate of deposit offerings. Interest compounded monthly and credited at month-end and at maturity.
| Term | APY · $500 and up | APY · $500 – $250,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 7 months | 3.14% | — | 3.14% | $182 |
| 7 monthsRelationship rate. Must maintain both a Rewards Checking Account and a Rewards Savings Account relationship to open this account | 3.45% | — | 3.45% | $200 |
| 13 months | 3.04% | — | 3.04% | $330 |
| 13 monthsLimit of $250,000.00 deposited per tax owner. Early withdrawal penalty of 180 days simple interest | — | 3.04% | 3.04% | $330 |
| 13 monthsRelationship rate. Must maintain both a Rewards Checking Account and a Rewards Savings Account relationship to open this account | 3.56% | — | 3.56% | $386 |
Fixed Rate CD
Up to 3.04%APY · 8 terms
Interest is compounded monthly and credited at month-end and at maturity. Early withdrawal penalty may apply. Quarterly statements provided.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.10% | $5 |
| 12 months | 0.10% | $10 |
| 18 months | 0.10% | $15 |
| 24 months | 2.53% | $512 |
| 30 months | 0.20% | $50 |
| 36 months | 2.78% | $857 |
| 48 months | 2.99% | $1,251 |
| 60 months | 3.04% | $1,615 |
Sources (2)
All captured Oct 5, 2026
Step-Up CD
0.25%APY · 1 term
48-month CD maturing exactly 48 months from opening or renewal. Interest compounded monthly and credited month-end and at maturity. Features a one-time option to change current rate to a higher rate if rates change during the 48-month period. Annual statement provided.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 monthsOne-time option to change the current rate to a higher rate if rates change during the 48-month period | 0.25% | $100 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.55%APY · 9 terms
Fixed rate IRA certificate of deposit. Interest is credited at quarter end and on the maturity date. Annual statement provided. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.10% | $5 |
| 7 months | 3.14% | $182 |
| 7 monthsRelationship rate | 3.44% | $199 |
| 12 months | 0.10% | $10 |
| 13 months | 3.03% | $329 |
| 13 monthsRelationship rate | 3.55% | $385 |
| 18 months | 0.10% | $15 |
| 24 months | 2.52% | $510 |
| 36 months | 2.78% | $857 |
| 48 months | 2.98% | $1,246 |
| 60 months | 3.03% | $1,610 |
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.