Bank · FDIC insured
The First National Bank of Groton CD Rates
The First National Bank of Groton’s best CD rate is 3.75% APY on a 35-month CD. Terms run from 1 month to 5 years. Rates checked October 16, 2026.
How The First National Bank of Groton’s CD rates compare
Compared with banks and credit unions near Auburn, NY, where The First National Bank of Groton has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Groton
3.75%APY
- Term
- 35 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $1,134
Certificates of Deposit
Top rate
AmeriCU Credit Union
4.50%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $111
2nd-highest rate
Lyons National Bank (LNB)
4.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $366
The First National Bank of Groton CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo0.90%
- 31–60 months31–60 mo3.75%
- QualifiedQualified3.75%
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 First National Bank of Groton 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 3.75%APY · 14 terms
Compounded daily. Early withdrawals subject to penalty. Automatically renews (except for Renewable Once CDs). No setup or maintenance fees.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $2,500 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 1 month | — | 0.35% | — | — | 0.35% | $3 |
| 3 months | — | 0.45% | — | — | 0.45% | $11 |
| 4 monthsSpecial rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible | — | — | 3.00% | — | 3.00% | $99 |
| 6 months | — | 0.55% | — | — | 0.55% | $27 |
| 7 monthsSpecial rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible | — | — | 3.25% | — | 3.25% | $188 |
| 12 months | — | 0.65% | — | — | 0.65% | $65 |
| 12 monthsGuaranteed renewable once at the same rate or higher | — | — | — | 0.70% | 0.70% | $70 |
| 12 monthsStarter CD (1 year) | 0.50% | — | — | — | 0.50% | $50 |
| 13 monthsSpecial rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible | — | — | 3.50% | — | 3.50% | $380 |
| 18 months | — | 0.70% | — | — | 0.70% | $105 |
| 24 months | — | 0.80% | — | — | 0.80% | $161 |
| 30 months | — | 0.90% | — | — | 0.90% | $227 |
| 35 monthsSpecial rate for at least 50% new money only; funds currently or recently on deposit are not eligible. Non-public institutions only. IRAs not eligible | — | — | 3.75% | — | 3.75% | $1,134 |
| 36 months | — | 1.00% | — | — | 1.00% | $303 |
| 48 months | — | 1.06% | — | — | 1.06% | $431 |
| 60 months | — | 1.11% | — | — | 1.11% | $567 |
Sources (2)
All captured Sep 26, 2026
Special-purpose accounts
IRA CDs
Up to 1.11%APY · 8 terms
Tax-advantaged IRA CD. Compounded daily; credited quarterly. Early withdrawals subject to penalty (including tax penalties). No setup, monthly, or annual maintenance fees.
| Term | APY · $250 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| UnknownVariable IRA; allows deposits at maturity; rate tied to 6-month CD rate and may change at any time | 0.55% | — | 0.55% | $0 |
| 12 monthsFixed IRA; rate and term match standard 12-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 0.65% | 0.65% | $65 |
| 18 monthsFixed IRA; rate and term match standard 18-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 0.70% | 0.70% | $105 |
| 24 monthsFixed IRA; rate and term match standard 24-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 0.80% | 0.80% | $161 |
| 30 monthsFixed IRA; rate and term match standard 30-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 0.90% | 0.90% | $227 |
| 36 monthsFixed IRA; rate and term match standard 36-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 1.00% | 1.00% | $303 |
| 48 monthsFixed IRA; rate and term match standard 48-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 1.06% | 1.06% | $431 |
| 60 monthsFixed IRA; rate and term match standard 60-month CD; allows deposits at any time; IRAs not eligible for special rates | — | 1.11% | 1.11% | $567 |
Sources (2)
All captured Sep 26, 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.