Bank · FDIC insured
The First National Bank of Orwell CD Rates
The First National Bank of Orwell’s best CD rate is 3.29% APY on a 1-year CD. Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How The First National Bank of Orwell’s CD rates compare
Compared with banks and credit unions in Vermont, where The First National Bank of Orwell has the most branches. $10,000, best rate first.
This bank’s best
The First National Bank of Orwell
3.29%APY
- Term
- 12–17 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- —
Certificates of Deposit
Top rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
2nd-highest rate
Central Vermont Medical Center Credit Union
5.00%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000
- $247
The First National Bank of Orwell CD score
66
CD score
Higher than 16% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.29%
- 16–30 months16–30 mo2.78%
- QualifiedQualified3.29%
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 Orwell 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 3.29%APY · 4 terms
Offered as Single Maturity Certificates (interest ceases at maturity) or Automatic Renewal Certificates (automatically re-activated at prevailing rate). Early withdrawal penalty of up to 90 days interest on the principal withdrawn (or all accrued and posted interest if held less than 90 days).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–12 months | 3.04% | $151 |
| 12–17 months | 3.29% | $329 |
| 18–23 months | 2.78% | $420 |
| 24 months | 2.78% | $564 |
Sources (3)
- fnborwell.com/products-and-services/deposits
- fnborwell.com/products-and-ser…/certificates-of-deposit
- fnborwell.com/products-and-services/rates
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
3.29%APY · 1 term
Offers CD-based Traditional and Roth IRAs, as well as specialized forms such as SEP, SIMPLE, and Beneficiary IRAs. Penalties may apply for early withdrawal. Earnings on IRAs may be reduced by fees (if applicable).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.29% | $329 |
Sources (3)
- fnborwell.com/products-and-services/deposits
- fnborwell.com/products-and-ser…l-retirement-account-ira
- fnborwell.com/products-and-services/rates
All captured Oct 15, 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.