New Hampshire Best CD Rates September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current New Hampshire CD rates include GFA Federal Credit UnionGFA Federal Credit Union1448 Route 119, Rindge, NH 03461A+5.0 ★Texas Ratio: 2.93%Real return: +1.65%APY minus CPI (February 2026) offering 48 Month Term Share Certificates at 4.45% APY, Piscataqua Savings BankPiscataqua Savings Bank15 Pleasant St, Portsmouth, NH 03801A+5.0 ★Texas Ratio: 0.00%Real return: +1.54%APY minus CPI (February 2026) offering 2 Year Certificate at 4.34% APY, Bellwether Community Credit UnionBellwether Community Credit Union425 Hooksett Rd, Manchester, NH 03104A+5.0 ★Texas Ratio: 1.45%Real return: +1.40%APY minus CPI (February 2026) offering 18 Month Certificate - Loyalty Pays Premium at 4.20% APY, Triangle Credit UnionTriangle Credit Union33 Franklin St, Nashua, NH 03064A+5.0 ★Texas Ratio: 2.57%Real return: +1.35%APY minus CPI (February 2026) offering Traditional 18 Months Special Certificate at 4.15% APY, and Service Federal Credit UnionService Federal Credit Union14 Colby Ct, Bedford, NH 03110A-4.9 ★Texas Ratio: 16.71%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Business Share Certificate at 4.10% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in New Hampshire side-by-side. New Hampshire CD rates currently reach as high as 4.45% APY from GFA Federal Credit Union at 1448 Route 119, Rindge, NH 03461. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in New Hampshire
New Hampshire 3 Month CD Rates
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Open 3 Month CD Online (Opens in new tab)
Balance: $500.00
Relationship APY
Balance: $250.00 - $9,999.99
New Hampshire 6 Month CD Rates
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Term: 6 Months Special Certificate; Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charge
Open 6 Month CD Online (Opens in new tab)
Offered Rates and Annual Percentage Yields (APYs) are subject to change without notice and may not be available past the effective date of 8/20/2026. Upon opening, the rate and APY are fixed for the term outlined and subject to change upon renewal. Penalty may be imposed for early withdrawal.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
SEP (Simplified Employee Pension) IRA Certificates
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Rates are subject to change at any time
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
This CD special is available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.
This IRA CD special is only available to customers with a Relationship Rewards, Platinum Checking, or any business checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD.
Balance: $500.00
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
SPECIAL OFFER
1
This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 6-month CD Special account is opened. Please refer to the Certificate of Deposit Account Agreement for more information and eligibility details. This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Fees may reduce earnings.
New Hampshire 12 Month CD Rates
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Balance: $500.00
SEP (Simplified Employee Pension) IRA Certificates
Promo CD. Rate is guaranteed from time of opening to maturity. Subject to penalty for early withdrawal. Fees may reduce earnings. Rates and terms subject to change without notice. Federally insured by NCUA.
Offered Rates and Annual Percentage Yields (APYs) are subject to change without notice and may not be available past the effective date of 8/20/2026. Upon opening, the rate and APY are fixed for the term outlined and subject to change upon renewal. Penalty may be imposed for early withdrawal.
Open 1 Year CD Online (Opens in new tab)
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Rates are subject to change at any time
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
This CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust. It is also available as an IRA CD.
This IRA CD special is only available to customers with a Relationship Rewards Checking, Platinum Checking, or any Business Checking account with Bar Harbor Bank & Trust and requires a minimum opening deposit of $1,000. It is also available as a CD.
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
2
This account is for individuals only. Account owner(s) must open a personal checking account or have an existing personal checking account at the time the 12-month CD Special account is opened. Please refer to the Certificate of Deposit Account Agreement for more information and eligibility details. This offer is available for new accounts opened on or after 3/4/2026. Rate offer is valid for new money only. Transfers from existing Camden National Bank accounts are not eligible. A withdrawal of interest will reduce earnings. If you withdraw before the stated maturity, an early withdrawal penalty will apply. Fees could reduce earnings. You must maintain the minimum balance of each tier in the account each day in order to receive the APY disclosed for that tier. APY = Annual Percentage Yield. Interest and APY is subject to change at any time.
New Hampshire 18 Month CD Rates
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Term: 18 Months Special Certificate; Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charg
SEP (Simplified Employee Pension) IRA Certificates
Offered Rates and Annual Percentage Yields (APYs) are subject to change without notice and may not be available past the effective date of 8/20/2026. Upon opening, the rate and APY are fixed for the term outlined and subject to change upon renewal. Penalty may be imposed for early withdrawal.
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. Rates are subject to change at any time
Requires a qualifying checking account.
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
SPECIAL OFFER
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
New Hampshire 24 Month CD Rates
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Balance: $500.00
Offered Rates and Annual Percentage Yields (APYs) are subject to change without notice and may not be available past the effective date of 8/20/2026. Upon opening, the rate and APY are fixed for the term outlined and subject to change upon renewal. Penalty may be imposed for early withdrawal.
This certificate is available with a one-time bump-up option. A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
SPECIAL OFFER
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Open 2 Year CD Online (Opens in new tab)
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
New Hampshire 36 Month CD Rates
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Balance: $500.00
Offered Rates and Annual Percentage Yields (APYs) are subject to change without notice and may not be available past the effective date of 8/20/2026. Upon opening, the rate and APY are fixed for the term outlined and subject to change upon renewal. Penalty may be imposed for early withdrawal.
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
SPECIAL OFFER
IRA accounts not applicable
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Open 3 Year CD Online (Opens in new tab)
Term: 36 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term: 36 Month Variable Rate Certificate 1; Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
Term: 36 Month Variable Rate Certificate 1; Rate may change twice during the term. Rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
New Hampshire 48 Month CD Rates
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Balance: $500.00
Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Open 4 Year CD Online (Opens in new tab)
Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
SEP (Simplified Employee Pension) IRA Certificates
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
Relationship Rates
New Hampshire 60 Month CD Rates
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty
Kids' Bank Variable Rate
Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal.
Minimum balance of $1000.00 (excluding Youth Accounts) No additional deposits allowed during the term of the Certificate. Early Withdrawal Penalties (a penalty may be imposed for withdrawals before maturity). If your account has an original maturity date of one (1) year or less: The penalty we may impose will equal three (3) months dividends on the amount withdrawn subject to penalty. If your account has an original maturity of more than one (1) year: The penalty we may impose will equal six (6) months dividends on the amount withdrawn subject to penalty. In certain circumstances such as death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of an IRA or other tax-deferred savings plan. You will have a grace period of ten (10) calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty. *Rates are subject to change at any time*
Term: 60 Month Variable Rate Certificate 1; Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on the average daily balance. APY is a variable rate. After issue date, rate may change twice during the term. Term is divided into three equal periods and rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.10% for 36 months; .25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account. See our CD Truth in Savings Disclosure for further information.
Term: 60 Month Variable Rate Certificate 1; Rate may change twice during the term. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25% for 60 months). Rate may increase or decrease, but will never be lower than rate earned on issue date. A penalty will or may be imposed for early withdrawal. Fees may reduce earnings on the account.
Term: 60 Month Variable Rate Certificate 1; Rate may change twice during the term. Rate adjusts on anniversary date of each subsequent period. Rate will adjust to current rate for like fixed rate certificate term less a margin (.25%). Rate may increase or decrease, but will never be lower than rate earned on issue date.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month; The Loyalty Pays Premium Certificate Rate is a special rate premium determined monthly when an eligible product meets the qualifications. The membership of the eligible certificate must have an active consumer checking account and active debit card, with a minimum of one debit card transaction in the current month to qualify for the special rate premium that month. Qualification is determined monthly, prior to the calculation and payment of periodic dividends. Any month during which the eligible certificate does not meet the qualifications, the certificate dividend calculation and posted dividend at the end of the month will not include this special rate premium and will revert to the standard dividend rate. The Loyalty Pays Premium Certificate Rate program and special premium rates can be changed at any time. Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
Dividends are compounded and paid monthly. Early withdrawal will result in a loss of earnings penalty.
SEP (Simplified Employee Pension) IRA Certificates
SEP (Simplified Employee Pension) IRA Certificates
Open 5 Year CD Online (Opens in new tab)
A $250.00 minimum balance and $5.00 membership account are required to open a Certificate of Deposit. Upon maturity, certificate may automatically roll into another term. Please check with a Member Service Representative for additional information.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
New Hampshire CD Rate Trends
Compare local New Hampshire CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Hampshire 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
New Hampshire 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
NH CD Rate Forecast, Next 12 Months
Where are New Hampshire CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
What Your Savings Earn at NH CD Rates Today
Annual interest earnings at today’s New Hampshire average APYs. State average used where available; national average as fallback.
| CD Term | NH Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for New Hampshire Savers
$25,000 split equally across 5 terms using today’s New Hampshire average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NH Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and New Hampshire average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Tracked in New Hampshire
About Our New Hampshire CD Rate Database
MonitorBankRates tracks 467 CD rates from 26 banks and 16 credit unions with locations in New Hampshire, plus national online institutions available to New Hampshire residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: GFA Federal Credit Union offers a CD at 4.45% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in New Hampshire.
How to Find the Best CD Rates in New Hampshire
What to compare when shopping for a CD in New Hampshire
To find the best APYs in New Hampshire, start with credit unions and online-only banks: New Hampshire has 16 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in New Hampshire
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in New Hampshire: 42 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare New Hampshire savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare New Hampshire money market rates
New Hampshire Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
20.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.3% reflects a strong local economy. At today’s NH 12-month CD average of 2.952%, saving 10% of the local median salary ($5,241/year) and putting it in a CD would earn an additional $155 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in New Hampshire
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in New Hampshire
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Hampshire typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Hampshire as everywhere in the U.S.
Choosing a CD Term in New Hampshire
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Hampshire savers easier access to their funds. For example, River Works Credit Union is offering its 6 Month Certificate of Deposit at 4.07% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Piscataqua Savings Bank is offering its 5 Year Certificate at 4.08% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for New Hampshire Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Hampshire saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in New Hampshire
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Hampshire CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in New Hampshire
Most CDs carry a fixed rate that is locked for the entire term, protecting a New Hampshire depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in New Hampshire
Are CD rates in New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in New Hampshire?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in New Hampshire?
- GFA Federal Credit Union: 4.45% APY (48 Month Term Share Certificates)
- Piscataqua Savings Bank: 4.34% APY (2 Year Certificate)
- Bellwether Community Credit Union: 4.20% APY (18 Month Certificate - Loyalty Pays Premium)
- Triangle Credit Union: 4.15% APY (Traditional 18 Months Special Certificate)
- Service Federal Credit Union: 4.10% APY (12 Month Business Share Certificate)
- Millyard Bank: 4.10% APY (36 Months CD)
- Align Credit Union: 4.10% APY (1.5 Year Business SEP (Simplified Employee Pension) IRA Certificate)
- River Works Credit Union: 4.07% APY (6 Month Certificate of Deposit)
- North Shore Bank Co-op: 4.00% APY (18 Month Certificate of Deposit)
- Mascoma Bank: 4.00% APY (12-Month CD/IRA Special)
New Hampshire CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Hampshire rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for New Hampshire
At today’s NH top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.
New Hampshire CD LadderNH CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a New Hampshire CD at 4.45% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNew Hampshire’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Hampshire CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Hampshire directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New Hampshire. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
New Hampshire Rates & Resources
Cities in New Hampshire
