Bank · FDIC insured
OneLocal Bank CD Rates
OneLocal Bank’s best CD rate is 4.10% APY on a 17-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How OneLocal Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where OneLocal Bank has the most branches. $10,000, best rate first.
This bank’s best
OneLocal Bank
4.10%APY
- Term
- 17 months
- Minimum
- $1,000
- Earns on $10,000
- $586
Featured Certificate of Deposits
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
OneLocal Bank CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo1.75%
- QualifiedQualified4.10%
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 OneLocal 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.
Featured Certificate of Deposits
Up to 4.10%APY · 5 terms
An early withdrawal penalty may be imposed and could reduce earnings for these accounts. Fees could reduce earnings.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCompounding Monthly. Visit a branch to open | — | 3.75% | 3.75% | $186 |
| 11 monthsCompounding Monthly. At renewal, the 11-month CD will renew at the 12-month term at the 12-month rate at that time unless you instruct otherwise | — | 3.75% | 3.75% | $343 |
| 13 monthsCompounding Daily. At renewal, the 13-month CD will renew at the 12-month term at the 12-month rate at that time unless you instruct otherwise | 4.05% | — | 4.05% | $439 |
| 17 monthsCompounding Daily. At renewal, the 17-month CD will renew at the 12-month term at the 12-month rate at that time unless you instruct otherwise | 4.10% | — | 4.10% | $586 |
| 22 monthsCompounding Daily. The 22-month CD will renew at the 24-month term at the 24-month rate at that time unless you instruct otherwise | 4.10% | — | 4.10% | $764 |
Sources (1)
- onelocalbank.com/for-you/banking/deposit-rates · captured Oct 5, 2026
Certificate of Deposit
Up to 3.75%APY · 8 terms
An early withdrawal penalty may be imposed and could reduce earnings. Fees could reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months7-91 Certificate (Current term offered is 3 months). Compounding Monthly | — | — | 0.25% | 0.25% | $6 |
| 6 monthsCompounding Monthly | — | — | 3.75% | 3.75% | $186 |
| 12 monthsCompounding Daily | — | 0.75% | — | 0.75% | $75 |
| 18 months18 month Preferred CD. Compounding Daily. At renewal the 18 month Preferred CD will renew at the 12 month term and the 12 month rate in effect at the time unless you instruct otherwise. The 18 month Preferred CD is no longer offered as a new account. The 18 month Preferred CD allows a one time rate change during the term | 0.30% | — | — | 0.30% | $45 |
| 24 monthsCompounding Daily | — | 1.26% | — | 1.26% | $254 |
| 36 monthsCompounding Daily | — | 1.50% | — | 1.50% | $457 |
| 48 monthsCompounding Daily | — | 1.50% | — | 1.50% | $614 |
| 60 monthsCompounding Daily | — | 1.75% | — | 1.75% | $906 |
Sources (1)
- onelocalbank.com/for-you/banking/deposit-rates · captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 3.75%APY · 8 terms
An early withdrawal penalty may be imposed and could reduce earnings. Fees could reduce earnings.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months7-91 Certificate (Current term offered is 3 months). Compounding Monthly | — | — | 0.25% | 0.25% | $6 |
| 6 monthsCompounding Monthly | — | — | 3.75% | 3.75% | $186 |
| 12 monthsCompounding Daily | — | 0.75% | — | 0.75% | $75 |
| 18 months18 month Preferred CD. Compounding Daily. At renewal the 18 month Preferred CD will renew at the 12 month term and the 12 month rate in effect at the time unless you instruct otherwise. The 18 month Preferred CD is no longer offered as a new account. The 18 month Preferred CD allows a one time rate change during the term | 0.30% | — | — | 0.30% | $45 |
| 24 monthsCompounding Daily | — | 1.26% | — | 1.26% | $254 |
| 36 monthsCompounding Daily | — | 1.50% | — | 1.50% | $457 |
| 48 monthsCompounding Daily | — | 1.50% | — | 1.50% | $614 |
| 60 monthsCompounding Daily | — | 1.75% | — | 1.75% | $906 |
Sources (1)
- onelocalbank.com/for-you/banking/deposit-rates · 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.