Bank · FDIC insured
Rollstone Bank & Trust CD Rates
Rollstone Bank & Trust’s best CD rate is 4.00% APY on a 20-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Rollstone Bank & Trust’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Rollstone Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Rollstone Bank & Trust
4.00%APY
- Term
- 20 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $676
Special CD Offers
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Rollstone Bank & Trust CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo1.30%
- QualifiedQualified4.00%
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 Rollstone Bank & Trust 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.
Special CD Offers
Up to 4.00%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsMinimum balance to open account is $500. This product is not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 3.45% | $142 |
| 10 monthsMinimum balance to open account is $500. This product is not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 3.75% | $312 |
| 20 monthsMinimum balance to open account is $500. This product is not available for Individual Retirement Account (IRA). Substantial penalty for early withdrawal | 4.00% | $676 |
Sources (2)
All captured Oct 15, 2026
Fixed Rate Certificates
Up to 3.50%APY · 9 terms
Minimum $500 to open all terms. There is a substantial penalty for early withdrawal. Fees could reduce earnings. All deposits are insured in full by FDIC and DIF.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 0.25% | $6 |
| 6 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 0.50% | $25 |
| 9 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 0.75% | $56 |
| 12 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 3.50% | $350 |
| 18 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 0.85% | $128 |
| 24 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 3.25% | $661 |
| 36 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 1.15% | $349 |
| 48 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 1.25% | $509 |
| 60 monthsMinimum $500 to open. Substantial penalty for early withdrawal | 1.30% | $667 |
Sources (3)
- rollstonebank.com/personal/cd-specials
- rollstonebank.com/personal/cds-retirement
- rollstonebank.com/rates/deposit-account-rates
All captured Oct 15, 2026
Special-purpose accounts
Fixed Rate Certificate IRA
Up to 3.50%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 3.50% | $350 |
| 18 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 0.85% | $128 |
| 24 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 3.25% | $661 |
| 36 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 1.15% | $349 |
| 48 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 1.25% | $509 |
| 60 monthsMinimum balance to open all terms is $500. Substantial penalty for early withdrawal. IRAs are subject to additional IRS considerations | 1.30% | $667 |
Sources (3)
- rollstonebank.com/personal/cd-specials
- rollstonebank.com/personal/cds-retirement
- rollstonebank.com/rates/deposit-account-rates
All 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.