Credit union · NCUA insured
St. Mary's Bank CD Rates
St. Mary's Bank’s best CD rate is 4.35% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How St. Mary's Bank’s CD rates compare
Compared with banks and credit unions near Manchester, NH, where St. Mary's Bank has the most branches. $10,000, best rate first.
This credit union’s best
St. Mary's Bank
4.35%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $660
Certificate of Deposit
Top rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,412
2nd-highest rate
GFA FCU
4.45%APY
- Term
- 48 months
- Minimum
- $500
- Earns on $10,000
- $1,902
St. Mary's Bank CD score
88
CD score
Higher than 80% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.35%
- 31–60 months31–60 mo2.25%
- QualifiedQualified4.35%
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 St. Mary's Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.35%APY · 10 terms
Guaranteed fixed rate from opening to maturity. Penalty for early withdrawal. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 9 months | 0.60% | $45 |
| 9 months9 Month Promo CD. Guaranteed fixed rate | 4.10% | $306 |
| 12 months | 0.75% | $75 |
| 15 months | 0.75% | $94 |
| 18 months | 0.75% | $113 |
| 18 months18-Month Promo CD. Guaranteed fixed rate | 4.35% | $660 |
| 24 months | 1.25% | $252 |
| 30 months | 1.25% | $315 |
| 36 months | 1.50% | $457 |
| 48 months | 2.00% | $824 |
| 60 months | 2.25% | $1,177 |
Sources (2)
All captured Oct 22, 2026
Flex CD
Up to 3.50%APY · 2 terms
Flex CD features: one-time penalty-free withdrawal up to 25% of principal balance without losing earned interest, one-time rate bump/upgrade during initial term, and one-time additional deposit during initial term not to exceed original deposit amount. CD accounts only; ineligible for IRAs. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months24 Month Flex CD Promo. One-time penalty-free withdrawal up to 25% of principal balance, one-time rate upgrade, one-time additional deposit up to original deposit amount. CD only, IRA ineligible | 3.25% | $661 |
| 30 months30 Month Flex CD Promo. One-time penalty-free withdrawal up to 25% of principal balance, one-time rate upgrade, one-time additional deposit up to original deposit amount. CD only, IRA ineligible | 3.50% | $898 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.35%APY · 10 terms
IRA Certificate of Deposit. Traditional and Roth IRA options. Guaranteed fixed rate from opening to maturity. Subject to early withdrawal penalty. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026. Flex CD promotions are ineligible for IRAs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 9 months | 0.60% | $45 |
| 9 months9 Month Promo CD/IRA. Guaranteed fixed rate | 4.10% | $306 |
| 12 months | 0.75% | $75 |
| 15 months | 0.75% | $94 |
| 18 months | 0.75% | $113 |
| 18 months18-Month Promo CD/IRA. Guaranteed fixed rate | 4.35% | $660 |
| 24 months | 1.25% | $252 |
| 30 months | 1.25% | $315 |
| 36 months | 1.50% | $457 |
| 48 months | 2.00% | $824 |
| 60 months | 2.25% | $1,177 |
Sources (2)
All captured Oct 22, 2026
Closed to new customers
Grandfathered CD/IRA
Up to 2.00%APY · 5 terms
Grandfathered Account - no longer available for new accounts. Stated rates apply to existing CD/IRA accounts. Minimum balance $500. Rate information current as of October 16, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsGrandfathered Account - no longer available | 0.60% | $30 |
| 12–23 monthsGrandfathered Account - no longer available | 0.75% | $75 |
| 24–35 monthsGrandfathered Account - no longer available | 1.25% | $252 |
| 36–47 monthsGrandfathered Account - no longer available | 1.50% | $457 |
| 48–59 monthsGrandfathered Account - no longer available | 2.00% | $824 |
Sources (1)
- stmarysbank.com/rates/deposit-rates · captured Oct 22, 2026
Who can join St. Mary's Bank
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is open to anyone.
Cost to join
- A $5 membership share is required to join.
Membership information collected October 4, 2026.