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Today’s Rates

CD & IRA Rates

Deposit at least $500 to open these accounts, unless otherwise indicated. You must maintain a minimum balance of $1 (unless otherwise noted) in the account each day to obtain the annual percentage yield. There may be penalties for early withdrawal.

Standard CD & IRA Rates

Account Rate
Sneakers CD ¹ 2.27% APY
91 Day CD / IRA 1.97% APY
18 Month CD / IRA 2.38% APY
1 Year CD / IRA 2.27% APY
2 Year CD / IRA 2.38% APY
3 Year CD / IRA 2.38% APY
3 1/2 Year CD / IRA 2.38% APY
4 Year CD / IRA 2.43% APY
5 Year CD / IRA 2.73% APY
5.5 Year CD 2.78% APY
5.75 Year CD 2.99% APY
6 Month CD / IRA 2.02% APY
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Special CD & IRA Rates

Account Rate
4 Month CD 4.00% APY
5 Month Savers CD ¹ 2.02% APY
1 Year Variable Rate IRA ¹ ² 1.97% APY
15 Month Opportunity CD / IRA 4.07% APY
30 Month Opportunity CD / IRA 2.38% APY
54 Month Opportunity CD / IRA 2.48% APY
The 9 Month No-Penalty CD 2.12% APY
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Laddered CD & IRA Rates

Account Rate
Laddered CD / IRA - 1 Year Rung 2.43% APY
Laddered CD / IRA - 2 Year Rung 2.53% APY
Laddered CD / IRA - 3 Year Rung 2.53% APY
Laddered CD / IRA - 4 Year Rung 2.63% APY
Laddered CD / IRA - 5 Year Rung 2.99% APY
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Savings Rates

Account Rate
Sneakers Savings ² 0.05% APY
Regular Savings Account ² 0.05% APY
Super Savings Account ² 0.05% APY
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Checking Rates

Account Rate
Health Savings ² 0.03% APY
Packard Advantage Checking ² ³ 0.07% APY
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Deposit rates effective: June 14, 2024.

  1. Indicates $100 minimum deposit required.
  2. For variable rate accounts, the rate may change after account opening.
  3. The monthly service charge may reduce earnings when balance falls below $1,000 on any day of the month, combined deposit relationship falls below $10,000 or a Bath Savings Trust relationship is not maintained.