# Bank of New England CD rates

As of October 23, 2026, Bank of New England's highest tracked CD rate is 3.25% APY on a 12-month promotional CD ($500 minimum). That is 1.8 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.25% to 3.25% APY.

Canonical page: https://apyledger.com/cd-rates/bank-of-new-england
Institution: Bank of New England (FDIC 24540)
Aliases: 
Status: live
Last verified: 2026-10-23T11:31:24.000Z (October 23, 2026)
Official source: https://www.bankofnewengland.com/personal-banking/certificate-of-deposit/
Coverage: Personal certificates, including featured terms, require a $500 minimum balance. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 1 month | $500 | 0.25% | Not ZIP-priced | −3.90% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 3 months | $500 | 0.25% | Not ZIP-priced | −4.01% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 6 months | $500 | 1.51% | Not ZIP-priced | −2.83% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | promotional | 12 months | $500 | 3.25% | Not ZIP-priced | −1.21% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 15 months | $500 | 3.25% | Not ZIP-priced | −1.27% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | promotional | 18 months | $500 | 3.04% | Not ZIP-priced | −1.54% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | promotional | 24 months | $500 | 2.78% | Not ZIP-priced | −1.92% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 36 months | $500 | 2.27% | Not ZIP-priced | −2.51% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 48 months | $500 | 2.27% | Not ZIP-priced | −2.54% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |
| Certificate of Deposit | standard | 60 months | $500 | 2.27% | Not ZIP-priced | −2.57% | 2026-10-23T11:31:24.000Z | [Snapshot 1000](https://apyledger.com/snapshots/1000) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.