Bank · FDIC insured
Sawyer Savings Bank CD Rates
Sawyer Savings Bank’s best CD rate is 4.25% APY on a 16-month CD. Terms run from 5 months to 2 years. Rates checked October 16, 2026.
How Sawyer Savings Bank’s CD rates compare
Compared with banks and credit unions near Kingston, NY, where Sawyer Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Sawyer Savings Bank
4.25%APY
- Term
- 16 months
- Minimum
- $500
- Earns on $10,000
- $571
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
Sawyer Savings Bank CD score
83
CD score
Higher than 61% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo4.25%
- 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 Sawyer 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 · 4 terms
Penalties may be imposed for withdrawals before maturity. Monthly interest can be accrued in the account, transferred to a Sawyer Savings Bank account, or mailed by check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 months | 3.50% | $144 |
| 10 months | 3.75% | $312 |
| 16 months | 4.25% | $571 |
| 24 months | 4.00% | $816 |
Sources (2)
All captured Sep 26, 2026
Opening an account
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