Bank · FDIC insured
Rondout Savings Bank CD Rates
Rondout Savings Bank’s best CD rate is 4.25% APY on a 30-month CD. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Rondout Savings Bank’s CD rates compare
Compared with banks and credit unions near Kingston, NY, where Rondout Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Rondout Savings Bank
4.25%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,097
Certificates of Deposit
Top rate
Rhinebeck Bank
4.40%APY
- Term
- 24 months
- Minimum
- $2,000
- Earns on $10,000
- $899
2nd-highest rate
TEG Federal Credit Union
4.35%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,363
Rondout Savings Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo0.75%
- QualifiedQualified4.25%
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 Rondout 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.
Certificates of Deposit
Up to 4.25%APY · 12 terms
Interest is compounded daily and credited monthly. Penalty imposed for early withdrawal.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.10% | 0.10% | $2 |
| 5 monthsNot eligible for IRAs | 0.10% | — | 0.10% | $4 |
| 6 months | 0.15% | — | 0.15% | $7 |
| 8 monthsNot eligible for IRAs | 3.65% | — | 3.65% | $242 |
| 8 monthsRequires checking account. Not eligible for IRAs | 3.90% | — | 3.90% | $258 |
| 12 months | 0.25% | — | 0.25% | $25 |
| 15 months | 3.85% | — | 3.85% | $484 |
| 15 monthsRequires checking account | 4.10% | — | 4.10% | $515 |
| 18 months | 0.30% | — | 0.30% | $45 |
| 24 months24 Month Rising | 0.50% | — | 0.50% | $100 |
| 30 months | 4.00% | — | 4.00% | $1,030 |
| 30 monthsRequires checking account | 4.25% | — | 4.25% | $1,097 |
| 36 months | 0.60% | — | 0.60% | $181 |
| 48 months | 0.65% | — | 0.65% | $263 |
| 60 months | 0.75% | — | 0.75% | $381 |
Sources (3)
- rondoutbank.com/rates
- rondoutbank.com/personal/cds-iras
- rondoutbank.com/personal/cds-i…tificates-of-deposit-cds
All captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 0.75%APY · 8 terms
Interest is compounded daily and credited monthly. Penalty imposed for early withdrawal.
| Term | APY · $50 and up | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months | — | — | 0.10% | 0.10% | $2 |
| 6 months | — | 0.15% | — | 0.15% | $7 |
| 12 months | — | 0.25% | — | 0.25% | $25 |
| 18 months | — | 0.30% | — | 0.30% | $45 |
| 18 months18 Month IRA Club | 0.30% | — | — | 0.30% | $45 |
| 24 months24 Month Rising | — | 0.50% | — | 0.50% | $100 |
| 36 months | — | 0.60% | — | 0.60% | $181 |
| 48 months | — | 0.65% | — | 0.65% | $263 |
| 60 months | — | 0.75% | — | 0.75% | $381 |
Sources (3)
- rondoutbank.com/rates
- rondoutbank.com/personal/cds-iras
- rondoutbank.com/personal/cds-i…retirement-accounts-iras
All captured Oct 16, 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.