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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 0.12% APY
91 Day CD / IRA 0.05% APY
18 Month CD / IRA 0.12% APY
1 Year CD / IRA 0.12% APY
2 Year CD / IRA 0.20% APY
3 Year CD / IRA 0.30% APY
3 1/2 Year CD / IRA 0.35% APY
4 Year CD / IRA 0.40% APY
5 Year CD / IRA 0.50% APY
5.5 Year CD 0.50% APY
5.75 Year CD 0.55% APY
6 Month CD / IRA 0.10% APY
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Special CD & IRA Rates

Account Rate
5 Month Savers CD ¹ 0.10% APY
1 Year Variable Rate IRA ¹ ² 0.05% APY
15 Month Opportunity CD / IRA 0.12% APY
30 Month Opportunity CD / IRA 0.25% APY
54 Month Opportunity CD / IRA 0.45% APY
The Nine Month No-Penalty CD 0.10% APY
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Laddered CD & IRA Rates

Account Rate
Laddered CD / IRA - 1 Year Rung 0.15% APY
Laddered CD / IRA - 2 Year Rung 0.23% APY
Laddered CD / IRA - 3 Year Rung 0.33% APY
Laddered CD / IRA - 4 Year Rung 0.43% APY
Laddered CD / IRA - 5 Year Rung 0.53% 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: December 3, 2021.

  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.