Concord, New Hampshire Best CD Rates October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Concord, New Hampshire CD rates range from 0.05% to 4.76% APY, verified by MonitorBankRates as of October 14, 2026. Current Concord, New Hampshire CD rates include St Marys Bank Credit UnionSt Marys Bank Credit Union2 Pillsbury St, Concord, NH 03301A+5.0 ★Texas Ratio: 2.56%Real return: +1.55%APY minus CPI (February 2026) offering 18-Month Promo CD at 4.35% APY, Eastern BankEastern Bank11 S Main St, Concord, NH 03301A+5.0 ★Texas Ratio: 2.61%Real return: +1.50%APY minus CPI (February 2026) offering 18 Month CD/IRA CD at 4.30% APY, Service Federal Credit UnionService Federal Credit Union344 Loudon Rd, Concord, NH 03301A-4.9 ★Texas Ratio: 16.25%Real return: +1.30%APY minus CPI (February 2026) offering 12 Month Business Share Certificate at 4.10% APY, Santander BankSantander Bank73 West St, Concord, NH 03301A5.0 ★Texas Ratio: 8.00%Real return: +1.20%APY minus CPI (February 2026) offering 18-Month CD at 4.00% APY, and Lighthouse Credit UnionLighthouse Credit Union1 S Main St, Concord, NH 03301A+5.0 ★Texas Ratio: 3.05%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month Share Certificate at 4.00% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Concord has 124 local institutions in our database, with CD rates as high as 4.35% APY from St Marys Bank Credit Union at 2 Pillsbury St, Concord, NH 03301. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader New Hampshire area. 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: October 14, 2026
Compare Best CD Rates in Concord, New Hampshire & the Surrounding Area
Concord 3 Month CD Rates
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Balance: $250.00 - $9,999.99
Balance: $250.00 - $9,999.99
Relationship APY; Balance: $250.00 - $9,999.99
Open 3 Month CD Online (Opens in new tab)
Premium
Annual Dividend Rate 3.50%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
Special Offer
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Account type: IRA Term Share Certificate; Rate column shown as 2.72%; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
- Oct 7, 20261.55%▲ from 1.50%
- Sep 19, 20261.50%first recorded
Term Share Certificates
Concord 6 Month CD Rates
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
- Oct 1, 20263.85%▲ from 3.75%
- Sep 14, 20263.75%first recorded
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. It is also available as a CD.
- Oct 3, 20263.25%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Members under age 18 may open certificates for 6 months or more with $250.00
Balance: $250.00 - $9,999.99; Relationship APY: 1.00%; Standard APY: 1.00%
Relationship APY; Balance: $250.00 - $9,999.99
Prestige APY: 0.15%; Prestige Rate: 0.15%
Certificate Special; minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Open 6 Month CD Online (Opens in new tab)
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Premium
Annual Dividend Rate 3.50%; Compounding: Monthly; *APY based on minimum deposit; Automatic renewal; Withdrawals of principal allowed with penalty; Withdrawals of dividends allowed without penalty; Effective September 18, 2025
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.50%▼ from 3.55%
- Sep 14, 20263.55%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Balance: $10,000 - $4,999.99
Concord 12 Month CD Rates
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
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.
- Sep 24, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
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. It is also available as a CD.
- Sep 24, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
- Oct 3, 20263.25%▲ from 3.00%
- Sep 19, 20263.00%first recorded
Members under age 18 may open certificates for 6 months or more with $250.00
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
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. 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. Fees may reduce earnings.
Balance: $250.00 - $9,999.99
Balance: $250.00 - $9,999.99
Relationship APY; Balance: $250.00 - $9,999.99
Benefit Plus Customers - Interest Rate: 0.85%; Benefit Plus Customers - Annual Percentage Yield: 0.85%
Prestige APY: 0.20%; Prestige Rate: 0.20%
IRA
- Sep 21, 20264.15%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
- Sep 19, 20264.00%▲ from 3.75%
- Sep 11, 20263.75%first recorded
Eligibility: 18 or younger; Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal penalty: 90 days - 365 days simple interest on principal withdrawn
Open 1 Year CD Online (Opens in new tab)
Open Online (Opens in a new Window)
Members must be Premier Checking Members to open; Effective 10-13-2026
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Concord 18 Month CD Rates
Minimum deposit of $500 required to open the account and earn the stated APY; APY accurate as of 10/9/2026
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
Rates are available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL: Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141. Rates in other areas or for online openings may not be available.
Requires a qualifying checking account.
Term: 1 1/2 Year (18 Month)
Members under age 18 may open certificates for 6 months or more with $250.00
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Balance: $250.00 - $9,999.99
Balance: $250.00 - $9,999.99
Relationship APY; Balance: $250.00 - $9,999.99
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Certificate Special; minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Minimum balance of $1,000.00. No additional deposits allowed during the term of the Certificates. Early withdrawal penalty: three (3) months dividends if original maturity is one (1) year or less; six (6) months dividends if more than one (1) year. 10-calendar-day grace period after maturity.
Term: 1 1/2 Year (18 Month)
Open 18 Month CD Online (Opens in new tab)
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Premium
Members must be Premier Checking Members to open; Effective 10-13-2026
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Concord 24 Month CD Rates
Variable rate; dividend rate subject to change monthly based on the Federal Funds Rate; dividend rate will never be less than 2.50% (minimum APY 2.53%) and never exceed 5.50% (maximum APY 5.64%)
- Oct 10, 20263.95%▲ from 3.69%
- Sep 14, 20263.69%first recorded
Members under age 18 may open certificates for 6 months or more with $250.00
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Balance: $250.00 - $9,999.99
Relationship APY; Balance: $250.00 - $9,999.99
Prestige APY: 0.25%; Prestige Rate: 0.25%
- Oct 3, 20264.45%▲ from 4.34%
- Sep 19, 20264.34%first recorded
- Sep 21, 20264.25%▲ from 4.00%
- Sep 18, 20264.00%first recorded
SPECIAL OFFER; Available with a one-time bump-up option
SPECIAL OFFER
- Oct 13, 20264.25%▲ from 3.65%
- Sep 18, 20263.65%first recorded
Special Offer; One-time bump-up option available; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Open Online (Opens in a new Window)
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Members must be Premier Checking Members to open; Effective 10-13-2026
Open 2 Year CD Online (Opens in new tab)
Available to open online; Rates on certificates of deposit are guaranteed for the length of the term
SEP IRA certificate; Dividend Rate 3.05%
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Annual Percentage yield reflects monthly compounding over full term of Certificates of Deposit. Please contact a bank representative for applicable rates and documentation required for IRA certificates of deposit. Substantial penalty for early withdrawal may apply. Fees may reduce earnings.
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Concord 36 Month CD Rates
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.70%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Balance: $250.00 - $9,999.99
Relationship APY; Balance: $250.00 - $9,999.99
Prestige APY: 0.30%; Prestige Rate: 0.30%
- Oct 3, 20264.60%▲ from 4.08%
- Sep 19, 20264.08%first recorded
- Sep 21, 20264.35%▲ from 4.10%
- Sep 18, 20264.10%first recorded
SPECIAL OFFER
SPECIAL OFFER
Special Offer; Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Open 3 Year CD Online (Opens in new tab)
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Members must be Premier Checking Members to open; Effective 10-13-2026
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .10% for 36 months; rate will never be lower than rate earned on issue date
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Effective 10-13-2026; minimum starting deposit for Term Share Certificates is $1,000 (footnote 5)
Concord 48 Month CD Rates
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.80%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Prestige APY: 0.35%; Prestige Rate: 0.35%
- Sep 21, 20264.45%▲ from 0.75%
- Sep 18, 20260.75%first recorded
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Open 4 Year CD Online (Opens in new tab)
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificates
Term Share Certificates
- Oct 7, 20262.40%▲ from 2.35%
- Sep 19, 20262.35%first recorded
Penalty may be imposed for early withdrawal; Rates effective September 21, 2026
Balance: $10,000 - $4,999.99
Premium
Concord 60 Month CD Rates
Members under age 18 may open certificates for 6 months or more with $250.00
- Oct 10, 20262.90%▼ from 3.40%
- Sep 14, 20263.40%first recorded
Annual Percentage Yield; IRA Certificate Rates effective October 9, 2026
Balance: $500.00 - $500.00
Rates shown are Annual Percentage Yields (APY), accurate as of 09/08/2026, and subject to change without notice as determined by the Board of Directors. Minimum deposit of $500 is required, except for our 6-month term which requires a $250 minimum. Penalty for early withdrawal. The APY is based on the assumption that dividends will remain on deposit until maturity. Withdrawal or fee will reduce earnings. Certificates are fixed-rate accounts and will remain in effect until maturity. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.
Balance: $250.00 - $9,999.99; Relationship APY
Relationship APY; Balance: $250.00 - $9,999.99
Prestige APY: 0.40%; Prestige Rate: 0.40%
- Oct 3, 20264.76%▲ from 4.08%
- Sep 19, 20264.08%first recorded
Kids' Bank Variable Rate
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances
Balance: $1,000 minimum
- Sep 18, 20263.25%▼ from 3.30%
- Sep 14, 20263.30%first recorded
Dividend Rate column for Business Certificate of Deposit (CD) Rates
Minimum balance of $1000.00 (excluding Youth Accounts); no additional deposits allowed during the term; Traditional Certificates & IRAs
Minimum balance of $1000.00 (excluding Youth Accounts); No additional deposits allowed during the term of the Certificate
Variable Rate Certificate; Gold Member Merit rate; requires household relationship of $25,000 or more in loan and deposit balances; rate may change twice during the term
Variable rate certificate; rate may adjust after issue date and will never be lower than rate earned on issue date; Balance: $1,000 minimum
- Sep 18, 20263.10%▼ from 3.15%
- Sep 14, 20263.15%first recorded
Variable rate: APY may change twice during the term, adjusting to current rate for like fixed term less a margin of .25% for 60 months; rate will never be lower than rate earned on issue date
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Qualifications Required: active consumer checking account; active debit card; 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. Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Term Share Certificates; Maximum $500,000 principal balance per certificate; one certificate per member
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Minimum of $500 needed to open and obtain dividends. Dividends are compounded and paid monthly. The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty.
Rates on certificates of deposit are guaranteed for the length of the term
Available to open online; Rates on certificates of deposit are guaranteed for the length of the term
SEP (Simplified Employee Pension) IRA Certificate; Minimum to Earn APY: $500
SEP IRA certificate
SEP (Simplified Employee Pension) IRA Certificates
SEP (Simplified Employee Pension) IRA Certificates
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Concord, NH CD Rate Trends
Compare local Concord, NH 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 fell 0.047 points over the past 7 days to 2.939% APY.
New Hampshire 6-month CD rates fell 0.036 points over the past 7 days to 2.944% APY.
NH CD Rate Forecast, Next 12 Months
Where are New Hampshire CD rates headed through October 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 | 2.175% | $108.75 | $217.50 | $543.75 | $1,087.50 |
| 6-Month CD | 2.944% | $147.20 | $294.39 | $735.98 | $1,471.95 |
| 12-Month CD | 2.939% | $146.95 | $293.90 | $734.75 | $1,469.50 |
| 18-Month CD | 3.064% | $153.21 | $306.43 | $766.07 | $1,532.15 |
| 24-Month CD | 2.419% | $120.93 | $241.86 | $604.65 | $1,209.30 |
| 36-Month CD | 2.132% | $106.59 | $213.17 | $532.93 | $1,065.85 |
| 48-Month CD | 2.063% | $103.16 | $206.31 | $515.78 | $1,031.55 |
| 60-Month CD | 2.137% | $106.82 | $213.65 | $534.13 | $1,068.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
Sample CD Ladder for Concord, 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 | 2.175% | $108.75 |
| 2 | 6-Month CD | $5,000 | 2.944% | $147.20 |
| 3 | 12-Month CD | $5,000 | 2.939% | $146.95 |
| 4 | 24-Month CD | $5,000 | 2.419% | $120.93 |
| 5 | 36-Month CD | $5,000 | 2.132% | $106.59 |
| Total ($25,000 invested) | $25,000 | 2.522% blended | $630.42/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 Concord, New Hampshire
About Our Concord, New Hampshire CD Rate Database
MonitorBankRates tracks 495 CD rates from 32 banks and 16 credit unions with locations in Concord, 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 to 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: St Marys Bank Credit Union offers a CD at 4.35% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Concord, New Hampshire.
How to Find the Best CD Rates in Concord, New Hampshire
What to compare when shopping for a CD in Concord, New Hampshire
To find the best APYs in Concord, New Hampshire, start with credit unions and online-only banks: Concord, 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 Concord, 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 Concord, New Hampshire: 48 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Concord, 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 Concord, New Hampshire money market rates
Concord, New Hampshire Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
18.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s NH 12-month CD average of 2.939%, saving 10% of the local median salary ($4,992/year) and putting it in a CD would earn an additional $147 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 Concord, 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 to 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 Concord, 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 Concord, 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 Concord, New Hampshire as everywhere in the U.S.
Choosing a CD Term in Concord, 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 Concord, New Hampshire savers easier access to their funds. For example, Service Federal Credit Union is offering its 6 Month Business Share Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Walden Mutual Bank is offering its Local Impact Business CD - 5 Year at 3.00% 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 Concord, 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 Concord, 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 Concord, 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 Concord, 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 Concord, New Hampshire
Most CDs carry a fixed rate that is locked for the entire term, protecting a Concord, 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 Concord, New Hampshire
Are CD rates in Concord, New Hampshire FDIC insured?
Do I have to pay state taxes on CD interest in Concord, 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 Concord, New Hampshire?
- St Marys Bank Credit Union: 4.35% APY (18-Month Promo CD)
- Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
- Service Federal Credit Union: 4.10% APY (12 Month Business Share Certificate)
- Santander Bank: 4.00% APY (18-Month CD)
- Lighthouse Credit Union: 4.00% APY (12 Month Share Certificate)
- M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
- Merrimack County SB: 3.85% APY (1 1/2 Year (18 Month))
- Bar Harbor Bank & Trust: 3.75% APY (12-month CD special)
- Camden National Bank: 3.35% APY (6-Month CD)
- Citizens Access: 3.25% APY (1 Year Online CD)
Concord, 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 Concord, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Concord, New Hampshire
At today’s NH top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Concord, New Hampshire CD LadderNH CD rates currently range from 2.175% (3-month) to 2.132% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Concord, New Hampshire CD at 4.35% APY, know your exit cost. Most institutions charge 90 to 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 2.939% 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 Concord, 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 Concord, 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 Concord, 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.
Concord, New Hampshire Rates & Resources
