Bank · FDIC insured
Winter Hill Bank CD Rates
Winter Hill Bank’s best CD rate is 4.20% APY on an 11-month CD. Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Winter Hill Bank’s CD rates compare
Compared with banks and credit unions near Boston, MA-NH, where Winter Hill Bank has the most branches. $10,000, best rate first.
This bank’s best
Winter Hill Bank
4.20%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $384
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
Winter Hill Bank CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.15%
- 31–60 months31–60 mo0.75%
- QualifiedQualified4.20%
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 Winter Hill 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 4.20%APY · 12 terms
Rates are guaranteed for the term of the CD. Early withdrawal penalties may be imposed. Renews automatically.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
| 6 months | 0.20% | $10 |
| 9 months | 0.20% | $15 |
| 11 monthsCD Special. At maturity automatically renews to a 12 month term at the then current rate stated unless instructed otherwise | 4.20% | $384 |
| 12 months | 0.25% | $25 |
| 15 months | 0.30% | $38 |
| 17 monthsCD Special. At maturity automatically renews to an 18 month term at the then current rate stated unless instructed otherwise | 4.15% | $593 |
| 18 months | 0.35% | $53 |
| 24 months | 0.45% | $90 |
| 36 months | 0.55% | $166 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Special-purpose accounts
IRA Certificate of Deposit
Up to 4.20%APY · 12 terms
Any Winter Hill Bank CD term can be opened as an IRA CD. Rates are guaranteed for the term of the CD. Early withdrawal penalties may be imposed. Traditional, Roth, and SEP IRA wrappers available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.20% | $5 |
| 6 months | 0.20% | $10 |
| 9 months | 0.20% | $15 |
| 11 monthsCD Special. At maturity automatically renews to a 12 month term at the then current rate stated unless instructed otherwise | 4.20% | $384 |
| 12 months | 0.25% | $25 |
| 15 months | 0.30% | $38 |
| 17 monthsCD Special. At maturity automatically renews to an 18 month term at the then current rate stated unless instructed otherwise | 4.15% | $593 |
| 18 months | 0.35% | $53 |
| 24 months | 0.45% | $90 |
| 36 months | 0.55% | $166 |
| 48 months | 0.65% | $263 |
| 60 months | 0.75% | $381 |
Sources (2)
All captured Oct 15, 2026
Statement IRA CD
0.40%APY · 1 term
Allows deposits at any time up to maximum IRS limitation. Rates are guaranteed for the term of the CD. Early withdrawal penalties may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months18 Month Statement IRA CD Special. Allows deposits at any time up to the maximum IRS limitation | 0.40% | $60 |
Sources (2)
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.