Bank · FDIC insured
Watertown Savings Bank CD Rates
Watertown Savings Bank’s best CD rate is 4.00% APY on a 7-month CD, with extra requirements. Terms run from 3 months to 47 months. Rates checked October 15, 2026.
How Watertown Savings Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Watertown Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Watertown Savings Bank
4.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $231
Certificate of Deposit
Top rate
RiverWorks Credit Union
4.80%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $237
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,494
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.00%APY · 6 terms
Available for personal accounts only. Must open and maintain an Active checking account to obtain or renew special CD accounts. Minimum balance to earn advertised APY is $50.00. Early withdrawal penalty may apply. Interest compounds monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–30 monthsAdditional CDs. Interest compounds monthly. Early withdrawal penalty may apply | 0.10% | $2 |
| 3 monthsSpecial Short Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply | 3.50% | $86 |
| 7 monthsSpecial Short Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply | 4.00% | $231 |
| 13 monthsSpecial Medium Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply | 4.00% | $434 |
| 36–72 monthsAdditional CDs. Interest compounds monthly. Early withdrawal penalty may apply | 0.20% | $60 |
| 47 monthsSpecial Long Term CD. Limited time offer. Must open and maintain an Active checking account. Interest compounds monthly. Early withdrawal penalty may apply | 2.00% | $806 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate of Deposit
Up to 0.20%APY · 2 terms
Available for personal accounts only. Minimum balance to earn advertised APY is $50.00. Early withdrawal penalty may apply. Interest compounds monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3–30 monthsCDs from 3 months to 6 years are also available for IRA CDs, and earn the same APY as corresponding CDs. Interest compounds monthly. Early withdrawal penalty may apply | 0.10% | $2 |
| 36–72 monthsCDs from 3 months to 6 years are also available for IRA CDs, and earn the same APY as corresponding CDs. Interest compounds monthly. Early withdrawal penalty may apply | 0.20% | $60 |
Sources (1)
- watertownsavings.com/account/p…nal/banking/cds-and-iras · captured Oct 5, 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.