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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–14 results in Torrington, CT metro
- 4.25%APY$389 over 11 months on $10,000
Requirements
Product: Interest is compounded daily or from day of deposit to day of withdrawal and credited monthly. Substantial interest penalty for early withdrawal. Premium CDs must be opened with new money (money not currently on deposit with Torrington Savings Bank).
Offer: Premium CD; must be opened with new money (money not currently on deposit with Torrington Savings Bank). Early withdrawal penalty is 3 months simple interest.
4.16% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - 4.20%APY$747 over 21 months on $10,000
Requirements
Product: There is no monthly service charge. Guaranteed interest rate for the term of the CD. Interest credited monthly. Principal withdrawn before maturity subject to early withdrawal penalty, unless taking a distribution from an IRA. CDs automatically renew at maturity with a 10-day grace period.
Offer: Limited time only and subject to change without notice.
4.12% interest rate · Effective Oct 6, 2026
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More details - 4.07%APY$442 over 13 months on $10,000intro rate
Requirements
Product: Promotional CD special rates. $1,000 min opening deposit. Max deposit $750,000 branch / $100,000 online. No monthly service charge. Early withdrawal penalty applies.
Offer: 13-Month Promo. Renewal term is 12 months. Minimum balance to earn APY is $0.01.
Promotional rate · 4.00% interest rate
Rate checked
More details - 4.00%APY$132 over 4 months on $10,000intro rate
Requirements
Product: Limited-time special CD offer available in Maine for accounts opened starting January 5, 2026. Promotional rates for a limited time on new money only (funds cannot currently be deposited at NBT Bank). CD accounts must be opened in branch (Portland Bayside branch). At maturity, renewed into regular CD product at the current rate available. A penalty will be assessed for early withdrawal.
Offer: 4 Month CD promotional rate on new money only. Must be opened in branch in Portland Bayside, Maine.
Promotional rate · 3.93% interest rate · Effective Jan 5, 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 - 3.75%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 - 3.55%APY$446 over 15 months on $10,000
Requirements
Product: $1,000 minimum deposit to open. Terms from 3 to 60 months. Interest is compounded daily and credited monthly and may be withdrawn before maturity. Early withdrawal penalty: for terms from 3 months to 1 year, penalty is 3 months simple interest; for terms of more than one year, penalty is 6 months simple interest.
3.49% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$188 over 7 months on $10,000
Requirements
Product: Minimum opening deposit of $1,000. Maximum deposit of $750,000. No monthly fees. Allows unlimited partial withdrawals with no penalty fee after 7 days of opening and funding the account; substantial penalty for early withdrawal within first 7 days. After initial funding deposit, additional deposits are not allowed even during 10-day grace period. Automatically renews into a 7 Month Flex CD at current rate.
Offer: Fixed rate for full 7-month term. Penalty-free unlimited withdrawals after first 7 days. Minimum opening deposit $1,000 required to earn APY. Maximum deposit $750,000.
3.20% interest rate · Balance cap $750,000 · Effective May 14, 2026
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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 - 2.50%APY$83 over 4 months on $10,000
Requirements
Product: $1,000 minimum to open. You can withdraw the full balance and accrued interest without penalty beginning 7 calendar days after funding. Partial withdrawals not permitted. Daily balances below $1,000 do not earn APY. Interest compounded daily and credited monthly.
Offer: Full balance and accrued interest can be withdrawn without penalty beginning 7 calendar days after funding. No partial withdrawals. Daily balances below $1,000 do not earn APY.
2.48% interest rate · Compounded daily · Effective Oct 1, 2026
Rate checked
More details - 0.60%APY$304 over 60 months on $10,000
Requirements
Product: $1,000 minimum opening balance. Maximum deposit of $750,000 for CDs opened in-branch and $100,000 for CDs opened online. No monthly service charge. Early withdrawals subject to penalty. Interest compounded and credited monthly.
Offer: 60 Month CD. Minimum balance to earn APY is $0.01.
0.60% interest rate · Effective Sep 18, 2026
Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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
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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 Torrington, CT metro
130 CDs at 8 banks and credit unions · checked Oct 4–22
- Typical
- 0.58%
- Top 10% from
- 3.86%
- Banks, typical
- 0.58%
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Connecticut
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- USALLIANCE FinancialCredit union · 1 branch
- MSCUCredit union · 10 branches
- Affinity Federal Credit UnionCredit union · 2 branches