Compare Bank & Credit Union Rates
Best CD rates in Rochester, NH
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Rochester, NH
- 4.15%APY$629 over 18 months on $10,000
Requirements
Product: $500.00 minimum to open Certificate of Deposit. A substantial interest penalty may be required for early withdrawals. Fees could reduce earnings.
4.07% interest rate · Effective Oct 14, 2026
Rate checked
More details - Granite State Credit UnionFlexible Term Certificates - Term ShareCD · 13 months · $500 min
Credit union · 1 branch
4.11%APY$446 over 13 months on $10,000Requirements
Product: Dividends are compounded monthly and credited to account monthly. Certificate rates are subject to change at anytime; however the rate will remain in effect for the term of the certificate once opened. Penalties may be incurred for early withdrawals.
Offer: Special! 13 Months! Early withdrawal penalty: 90 days' dividends for terms of 23 months or less.
4.03% interest rate · Compounded monthly · Effective Oct 3, 2026
Rate checked
More details - 4.10%APY$341 over 10 months on $10,000
Requirements
Product: Interest compounded monthly. Early withdrawal penalties may be imposed. $500 minimum to open. Funding for accounts opened online is limited to a maximum of $100,000. Online account opening available for residents of ME, VT, NH, MA, CT, and RI.
Offer: Special CD offer. May not be combined with Prestige checking preferred rate. Not eligible for partial withdrawals below the minimum qualifying balance. Special can end at any time.
4.01% interest rate · Compounded monthly · Effective Oct 9, 2026
Rate checked
More details - 4.10%APY$341 over 10 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 4.02% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
Requirements
Product: Must be a member of Service CU or establish membership with $5 in a Primary Savings Account. Early withdrawal penalties may apply. No monthly maintenance fees.
Offer: Dividends compounded and credited monthly.
4.03% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: Membership required (live, work, go to school, or worship in NH or York County, ME, or family member of HRCU member; $5 minimum to open membership). Early withdrawal penalty may apply. Dividends based on Average Daily Balance, paid monthly. Rate remains in effect for the term once opened. No setup or maintenance fees. Deposits insured up to $500,000 ($250,000 NCUA + $250,000 ESI).
3.93% interest rate · Effective Oct 22, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Dividends remain in certificate until maturity; early withdrawal penalty may apply.
3.93% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$641 over 19 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Includes a one-time option to bump your rate to a higher rate currently offered for this exact same term. Substantial penalties for early withdrawals may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding. Includes a one-time rate bump-up option.
Promotional rate · 3.92% interest rate · Effective Oct 1, 2026
Rate checked
More details - Lighthouse Credit UnionVariable Rate Share CertificateCD · 24 months · $500 min
Credit union · 1 branch
3.95%APY$806 over 24 months on $10,000Requirements
Product: Must be or become a member of Lighthouse Credit Union by maintaining at least $5 in a Lighthouse Savings account. Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month (minimum dividend rate 2.50% / APY 2.53%, maximum dividend rate 5.50% / APY 5.64%). Early withdrawal penalty may apply.
Offer: Variable dividend rate adjusts monthly based on the Federal Funds Rate as of the last business day of the month; minimum dividend rate 2.50% (APY 2.53%), maximum dividend rate 5.50% (APY 5.64%).
3.88% interest rate · Effective Oct 2, 2026
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More details - 3.85%APY$127 over 4 months on $10,000intro rate
Requirements
Product: Must live or work in Massachusetts to take advantage of this CD Special. Available for new money only, not currently on deposit with CSB. Monthly compounding with funds held to maturity. Additional deposits to CDs are not permitted. Substantial penalties for early withdrawals may be imposed.
Offer: New money only, not currently on deposit with CSB. $10 minimum daily balance required to earn APY. Monthly compounding.
Promotional rate · 3.78% interest rate · Effective Oct 1, 2026
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.80%APY$284 over 9 months on $10,000
Requirements
Product: APYs effective as of 10/15/2026. Rates are subject to change without notice. A fee may be imposed for early withdrawals. Fees could reduce earnings.
Offer: Minimum balance $500 to obtain APY.
3.74% interest rate · Effective Oct 15, 2026
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More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit branch or call). Monthly compounding with funds held to maturity. No additional deposits permitted. Early withdrawal penalties may apply.
Offer: $10 minimum daily balance to earn APY. Monthly compounding.
3.44% interest rate · Effective Sep 1, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
Requirements
Product: Must live or work in Massachusetts or New Hampshire (if in Maine, visit a branch or call). Monthly compounding with interest remaining on deposit until maturity. After the account has been opened no additional deposits are permitted. Substantial penalties for early withdrawal may be imposed.
Offer: $10 minimum daily balance required to earn APY. Monthly compounding.
3.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Not available for IRA CDs. Allows 1 penalty-free withdrawal during 6 month term following initial 7 days account is open. A substantial interest penalty may be required for early withdrawals. Fees could reduce earnings.
Offer: Allows 1 penalty-free withdrawal during 6 month term following initial 7 days account is open; not available for IRA CDs
0.10% interest rate · Effective Oct 14, 2026
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Rochester, NH
83 CDs at 9 banks and credit unions · checked Oct 15–22
- Typical
- 2.63%
- Top 10% from
- 4.00%
- Banks, typical
- 2.02%
- Credit unions, typical
- 2.78%
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Boston, MA-NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 13 branches
- USALLIANCE FinancialCredit union · 1 branch
- The Village BankBank · 10 branches