What are the current interest rates at Bank of New Hampshire?

Current rates for Bank of New Hampshire include: 12-Month CD: 0.15%, 18-Month CD: 3.55%, 24-Month CD: 0.20%, 36-Month CD: 0.25%, 48-Month CD: 0.30%, 60-Month CD: 0.35%, Savings: 0.01%, MMA: 0.01%

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Bank of New Hampshire

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Bank of New Hampshire Rates & Review August 2026

Q: How many branches does Bank of New Hampshire operate?

Bank of New Hampshire currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Bank of New Hampshire does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of New Hampshire provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Bank of New Hampshire's 15-Month Special rates are at 3.85%, 15-Month CD rates are at 3.85%, 7-Months 7-Month CD rates are at 3.85%, 7-Months IRA 7-Month CD rates are at 3.85%, 12-Months 12-Month CD rates are at 3.55%. Bank of New Hampshire's savings rates are at 0.01%. Bank of New Hampshire's money market rates are at 0.01%. MonitorBankRates evaluates the financial stability of Bank of New Hampshire with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.29%. Rates last updated and verified on 08/28/2026.

Bank of New Hampshire money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bank of New Hampshire? Share your experience about Bank of New Hampshire by leaving a review below, or read customer reviews before you decide to use Bank of New Hampshire.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.29%

Excellent Lower than avg

Bank of New Hampshire

62 Pleasant St
Laconia, NH 03246

https://bnh.bank

Bank of New Hampshire CD Rates

Product	Rate	APY	Term
15 Month Special	3.77%	3.85%	15 Month
Min Balance $5,000 Details Special; ****; Prestige APY: 3.85%; Prestige Rate: 3.77% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
15-Month CD	-	3.85%	15-Month
Min Deposit $5,000 Min Balance $5,000 Details For qualifying balances of $5,000 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
7-Month CD	-	3.85%	7 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 7-Month CD	-	3.85%	7 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
12-Month CD	-	3.55%	12 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
18-Month CD	-	3.55%	18 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
24-Month CD	-	3.55%	24 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
30-Month CD	-	3.55%	30 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
36-Month CD	-	3.55%	36 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
48-Month CD	-	3.55%	48 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
5 Month Special	3.48%	3.55%	5 Month
Min Balance $5,000 Details Special; ****; Prestige APY: 3.55%; Prestige Rate: 3.48% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
5-Month CD	-	3.55%	5-Month
Min Deposit $5,000 Min Balance $5,000 Details For qualifying balances of $5,000 or more. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
60-Month CD	-	3.55%	60 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 12-Month CD	-	3.55%	12 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 18-Month CD	-	3.55%	18 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 24-Month CD	-	3.55%	24 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 30-Month CD	-	3.55%	30 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 36-Month CD	-	3.55%	36 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 48-Month CD	-	3.55%	48 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
IRA 60-Month CD	-	3.55%	60 Months
Min Deposit $500 Details Rates effective August 3, 2026. All rates subject to change without notice. Interest is compounded monthly. $500 minimum to open. Early withdrawal penalties may be imposed. Fees may reduce earnings on IRA Certificate of Deposits. *Prestige Annual Percent Yields and Interest Rates apply to Certificates of Deposit if account owner is also a Prestige Checking account holder. **Annual Percentage Yield (APY) is effective as of 08/03/26. Special can end at any time. Minimum balance required to earn 3.55% APY, 3.85% APY is $5,000. May not be combined with Prestige checking preferred rate. Offer may be withdrawn at any time. CD Specials are not eligible for partial withdrawals below the minimum qualifying balance. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
5 Years	0.35%	0.35%	5 Years
Min Balance $500 Details Prestige APY: 0.40%; Prestige Rate: 0.40% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
4 Years	0.30%	0.30%	4 Years
Min Balance $500 Details Prestige APY: 0.35%; Prestige Rate: 0.35% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
3 Years	0.25%	0.25%	3 Years
Min Balance $500 Details Prestige APY: 0.30%; Prestige Rate: 0.30% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
2 Years	0.20%	0.20%	2 Years
Min Balance $500 Details Prestige APY: 0.25%; Prestige Rate: 0.25% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
1 Year	0.15%	0.15%	1 Year
Min Balance $500 Details Prestige APY: 0.20%; Prestige Rate: 0.20% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
6 Month	0.10%	0.10%	6 Month
Min Balance $500 Details Prestige APY: 0.15%; Prestige Rate: 0.15% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%

Bank of New Hampshire Savings Rates

Product	Rate	APY	View More
Savings	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Personal Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%

Bank of New Hampshire Money Market Rates

Product	Rate	APY
Premier Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $250,000 Details Daily balances under $2,500 do not earn interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Prestige Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Daily balances under $2,500 do not earn interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Premier Money Market	0.01%	0.01%
Min Deposit $2,500 Min Balance $2,500 Details Daily balances under $2,500 do not earn interest. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%

Bank of New Hampshire Checking Rates

Product	Rate	APY
Prestige Checking Tier 2 Reward	0.35%	0.35%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Prestige Checking Tier 1 Reward	0.20%	0.20%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Granite Checking Tier 1 Reward	0.10%	0.10%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Prestige Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%
Granite Checking	0.01%	0.01%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Bank of New Hampshire is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Bank of New Hampshire rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Bank of New Hampshire's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Bank of New Hampshire

Bank Holding Company BNH FINANCIAL

Address 62 Pleasant St, Laconia, NH 03246 · Belknap

Website https://bnh.bank

FDIC Certificate # 18012

Established 07/02/1831

FDIC Insurance Date 07/02/1959

Domestic Offices 22

Total Branches 22

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.29%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8711%

Return on Equity (ROE) 8.5900%

Non-Performing Loans (NPL) 0.03%

Total Assets $2,749,252,000

Total Deposits $2,342,726,000

Equity Capital $318,554,000

Net Income $24,673,000

Headquarters Laconia

Total Branches and Offices 22

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Bank of New Hampshire

How many branches does Bank of New Hampshire operate?

Bank of New Hampshire currently maintains approximately 22 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Bank of New Hampshire does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Bank of New Hampshire provides members with tools to manage their accounts and build a solid financial history.

Does Bank of New Hampshire offer online and mobile banking?

Most modern institutions like Bank of New Hampshire provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://bnh.bank.