Bank · FDIC insured
Seamen's Bank CD Rates
Seamen's Bank’s best CD rate is 4.25% APY on a 10-month CD. Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How Seamen's Bank’s CD rates compare
Compared with banks and credit unions near Barnstable Town, MA, where Seamen's Bank has the most branches. $10,000, best rate first.
This bank’s best
Seamen's Bank
4.25%APY
- Term
- 10 months
- Minimum
- —
- Earns on $10,000
- $353
Certificates of Deposit
Top rate
Leader Bank
4.35%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $547
2nd-highest rate
Eastern Bank
4.30%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $652
Seamen's Bank CD score
80
CD score
Higher than 52% of U.S. banks and credit unions
- 3–8 months3–8 mo3.40%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo0.40%
- 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 Seamen's 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 · 8 terms
Term Accounts Subject to Substantial Penalties for Early Withdrawal. Maintenance and / or Activity Fees could Reduce Earnings. Rates may Change after Account Opening. Rates are Subject to Change. Contact your Local Branch Office for Details.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.25% | — | 0.25% | $6 |
| 6 months | 3.40% | — | 3.40% | $169 |
| 10 months | — | 4.25% | 4.25% | $353 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 15 months | 2.50% | — | 2.50% | $313 |
| 18 months | 2.25% | — | 2.25% | $339 |
| 24 months | 2.50% | — | 2.50% | $506 |
| 48 months | 0.40% | — | 0.40% | $161 |
Sources (1)
- seamensbank.com/personal-banking/rates · captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Accounts Certificates of Deposit
Up to 4.25%APY · 8 terms
Minimum Balance for Retirement Accounts Refers to the Minimum Deposit Required to Open the Account. Term Accounts Subject to Substantial Penalties for Early Withdrawal. Maintenance and / or Activity Fees could Reduce Earnings. Rates may Change after Account Opening. Rates are Subject to Change. Contact your Local Branch Office for Details.
| Term | APY · $1,000 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 0.25% | — | 0.25% | $6 |
| 6 months | 3.40% | — | 3.40% | $169 |
| 10 months | — | 4.25% | 4.25% | $353 |
| 12 months | 3.25% | — | 3.25% | $325 |
| 15 months | 2.50% | — | 2.50% | $313 |
| 18 months | 2.25% | — | 2.25% | $339 |
| 24 months | 2.50% | — | 2.50% | $506 |
| 48 months | 0.40% | — | 0.40% | $161 |
Sources (1)
- seamensbank.com/personal-banking/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.