Bank · FDIC insured
The Berkshire Bank CD Rates
The Berkshire Bank’s best CD rate is 3.30% APY on a 6-month CD. Terms run from 1 month to 3 years. Rates checked October 16, 2026.
How The Berkshire Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Berkshire Bank has the most branches. $10,000, best rate first.
This bank’s best
The Berkshire Bank
3.30%APY
- Term
- 6 months
- Minimum
- $10,000
- Earns on $10,000
- $164
Certificates of Deposit
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
The Berkshire Bank CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo1.26%
- 31–60 months31–60 mo1.01%
- QualifiedQualified3.30%
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 The Berkshire 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 3.30%APY · 8 terms
Personal accounts only. Requires a $10,000 minimum opening deposit. Interest is compounded daily, calculated on an actual/365 day basis, and paid at maturity. Early withdrawal subject to substantial penalty. For balances of $1,000,000 and above, speak to an account representative.
| Term | APY · $10,000 – $500,000 | APY · $500,000 – $1,000,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1 monthValid on personal accounts only. Early withdrawal subject to substantial penalty | 0.05% | 0.10% | 0.05%0.10% $500k–$1,000k | $0 |
| 3 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 2.02% | 2.02% | 2.02%2.02% $500k–$1,000k | $50 |
| 6 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 3.30% | 3.30% | 3.30%3.30% $500k–$1,000k | $164 |
| 9 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 3.30% | 3.30% | 3.30%3.30% $500k–$1,000k | $246 |
| 12 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 3.30% | 3.30% | 3.30%3.30% $500k–$1,000k | $330 |
| 18 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 1.26% | 1.26% | 1.26%1.26% $500k–$1,000k | $190 |
| 24 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 1.26% | 1.26% | 1.26%1.26% $500k–$1,000k | $254 |
| 36 monthsValid on personal accounts only. Early withdrawal subject to substantial penalty | 1.01% | 1.01% | 1.01%1.01% $500k–$1,000k | $306 |
Sources (3)
- berkbank.com/personal-banking
- berkbank.com/personal-banking/cd-options
- berkbank.com/wp-content/upload…_and_Service_Charges.pdf
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.