Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–27 results in Concord, NH metro
- 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
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.50%APY$350 over 1 year on $10,000
Requirements
Product: $500.00 minimum deposit. Early withdrawal penalty may apply. Fees and withdrawals could reduce earnings.
3.45% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.50%APY$898 over 30 months on $10,000intro rate
Requirements
Product: Flex CD features: one-time penalty-free withdrawal up to 25% of principal balance without losing earned interest, one-time rate bump/upgrade during initial term, and one-time additional deposit during initial term not to exceed original deposit amount. CD accounts only; ineligible for IRAs. $500 minimum deposit required to open and earn stated APY. Rate information current as of October 16, 2026.
Offer: 30 Month Flex CD Promo. One-time penalty-free withdrawal up to 25% of principal balance, one-time rate upgrade, one-time additional deposit up to original deposit amount. CD only, IRA ineligible.
Promotional rate · 3.44% interest rate · Effective Oct 16, 2026
Rate checked
More details - 3.35%APY$166 over 6 months on $10,000with conditions
Requirements
Product: A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Monthly service fee is $0.
Offer: Special rate. Valid for new money only; transfers from existing Camden National Bank accounts are not eligible. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the CD Special account is opened. For individuals only. Available for new accounts opened on or after 3/4/2026. Early withdrawal penalty will apply. You must maintain the minimum balance each day to receive disclosed APY.
Qualified rate · 3.30% interest rate · Effective Mar 4, 2026
Rate checked
More details - Heritage Family Credit UnionTerm Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
3.25%APY$325 over 1 year on $10,000Requirements
Product: Membership required ($25 minimum share). Starting minimum deposit is $1,000. Early withdrawal penalties apply. Cash withdrawals may be limited to $2,000.00 per day.
3.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 2.53%APY$63 over 3 months on $10,000
Requirements
Product: FDIC-insured. Daily compounding, interest credited monthly. Early withdrawal penalties apply. Benefit Plus checking account holders receive relationship interest rate and APY.
Offer: For Benefit Plus customers.
2.50% interest rate · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$50 over 3 months on $10,000
Requirements
Product: Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
Offer: Simple compounding.
2.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - 1.75%APY$906 over 60 months on $10,000
Requirements
Product: $100.00 minimum deposit to open this account and obtain the stated APY. Annual percentage yield is effective 10/1/26. Rates are subject to change without notice. Deposits can be made to the account and early withdrawl penalties are waived for qualified educational expenses. Penalty may be assessed for early withdrawals that do not qualify. Fees and withdrawals could reduce earnings.
Offer: Early withdrawal penalties waived for qualified educational expenses. Additional deposits can be made at any time.
1.74% interest rate · Effective Oct 22, 2026
Rate checked
More details - 0.65%APY$329 over 60 months on $10,000
Requirements
Product: Interest is not compounded on CDs under 1 year. Over 1 Year interest is Compounded Monthly. Early withdrawal subject to penalty. No Service or Maintenance Fees.
Offer: Over 1 Year interest is Compounded Monthly. Fixed Rate. Early withdrawal subject to Penalty. Additional deposit minimum: N/A.
0.65% interest rate · Compounded monthly · Effective Jul 1, 2025
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
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 Concord, NH metro
181 CDs at 19 banks and credit unions · checked Oct 5–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Concord, NH metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Service Credit UnionCredit union · 3 branches
- Lighthouse Credit UnionCredit union · 2 branches