Bank · FDIC insured
Salem Co-operative Bank CD Rates
Salem Co-operative Bank’s best CD rate is 4.30% APY on a 27-month CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Salem Co-operative Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Salem Co-operative Bank has the most branches. $10,000, best rate first.
This bank’s best
Salem Co-operative Bank
4.30%APY
- Term
- 27 months
- Minimum
- $500
- Earns on $10,000
- $994
Certificate of Deposit (CD)
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
Salem Co-operative Bank CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.30%
- 31–60 months31–60 mo2.33%
- QualifiedQualified4.30%
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 Salem Co-operative 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.
Certificate of Deposit (CD)
Up to 4.30%APY · 12 terms
Minimum age requirement to open account is 18. Interest accrued daily and compounded monthly. Automatic renewal at maturity with a 10 calendar day grace period. Penalties imposed for early withdrawal of principal funds. Automatic electronic deductions are not available. Personal CD rates are also available for Business CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 7 months | 4.00% | $231 |
| 11 months | 4.00% | $366 |
| 12 months | 2.02% | $202 |
| 17 months | 4.15% | $593 |
| 18 months | 3.05% | $461 |
| 24 months | 2.33% | $471 |
| 27 months | 4.30% | $994 |
| 30 months | 2.33% | $593 |
| 36 months | 2.33% | $715 |
| 48 months | 2.33% | $965 |
| 60 months | 2.33% | $1,221 |
Sources (2)
All captured Oct 9, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.30%APY · 12 terms
Available for Traditional IRA, Roth IRA, and SEP IRA plans. No annual IRA maintenance service fees. Early withdrawal penalties apply. Earnings grow tax-deferred or tax-free depending on IRA type. Required minimum distribution rules apply where applicable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.02% | $100 |
| 7 months | 4.00% | $231 |
| 11 months | 4.00% | $366 |
| 12 months | 2.02% | $202 |
| 17 months | 4.15% | $593 |
| 18 months | 3.05% | $461 |
| 24 months | 2.33% | $471 |
| 27 months | 4.30% | $994 |
| 30 months | 2.33% | $593 |
| 36 months | 2.33% | $715 |
| 48 months | 2.33% | $965 |
| 60 months | 2.33% | $1,221 |
Sources (2)
All captured Oct 9, 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.