Bank · FDIC insured
The Savings Bank CD Rates
The Savings Bank’s best CD rate is 4.25% APY on a 20-month CD. Terms run from 4 months to 5 years. Rates checked October 15, 2026.
How The Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where The Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
The Savings Bank
4.25%APY
- Term
- 20 months
- Minimum
- $1,000
- Earns on $10,000
- $718
Certificates of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
The Savings Bank CD score
88
CD score
Higher than 84% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo0.30%
- 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 The Savings 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 · 14 terms
When opening any new CD, customer is eligible to open a Companion Savings account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRate Special. 4 Month CD Only | 3.00% | $99 |
| 6 months | 0.10% | $5 |
| 7 monthsRate Special | 4.00% | $231 |
| 9 months | 0.20% | $15 |
| 11 months | 0.20% | $18 |
| 12 months | 0.20% | $20 |
| 13 monthsRate Special | 4.10% | $445 |
| 18 months | 0.20% | $30 |
| 20 monthsRate Special | 4.25% | $718 |
| 24 months | 0.30% | $60 |
| 30 months | 0.30% | $75 |
| 36 months | 0.30% | $90 |
| 48 months | 0.30% | $121 |
| 60 months | 0.30% | $151 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
Up to 4.25%APY · 13 terms
Traditional and Roth IRA wrappers available. Unable to open IRA accounts online at this time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.10% | $5 |
| 7 monthsRate Special. Trustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 4.00% | $231 |
| 9 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.20% | $15 |
| 11 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.20% | $18 |
| 12 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.20% | $20 |
| 13 monthsRate Special. Trustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 4.10% | $445 |
| 18 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.20% | $30 |
| 20 monthsRate Special. Trustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 4.25% | $718 |
| 24 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.30% | $60 |
| 30 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.30% | $75 |
| 36 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.30% | $90 |
| 48 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.30% | $121 |
| 60 monthsTrustee Fee (retirement Plan- IRA Annual Fee) $15.00 applies | 0.30% | $151 |
Sources (3)
- tsbdirect.bank/cds-and-iras
- tsbdirect.bank/disclosures-forms/fee-schedule-personal
- tsbdirect.bank/rates-calculators/cd-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.