Bank of New Hampshire CD Rates — October 2026
As of October 22, 2026, Bank of New Hampshire's highest tracked CD rate is 4.10% APY on a 10-month promotional CD ($5,000 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.10% to 0.35% APY.
Tracking began .
Bank of New Hampshire CD rates
Personal CD specials ($5,000) and standard CDs ($500). Prestige Checking qualifies for the stated higher standard CD APYs; special CD offers do not receive an additional Prestige increase. Early withdrawal penalties may be imposed.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 5 months | 5 Month Special CD Promotional | $5,000 | 3.85% | −0.54% | Verified October 22, 2026 |
| 6 months | Prestige 6 Month CD Relationship | $500 | 0.15% | −4.25% | Top 97% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD | $500 | 0.10% | −4.30% | Top 98% of tracked 6-month CDs · Verified October 22, 2026 |
| 10 months | 10 Month Special CD Promotional | $5,000 | 4.10% | −0.41% | Verified October 22, 2026 |
| 12 months | Prestige 1 Year CD Relationship | $500 | 0.20% | −4.37% | Top 97% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | 1 Year CD | $500 | 0.15% | −4.42% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Prestige 2 Year CD Relationship | $500 | 0.25% | −4.62% | Top 97% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 2 Year CD | $500 | 0.20% | −4.67% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Prestige 3 Year CD Relationship | $500 | 0.30% | −4.65% | Top 96% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | 3 Year CD | $500 | 0.25% | −4.70% | Top 98% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Prestige 4 Year CD Relationship | $500 | 0.35% | −4.63% | Top 95% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | 4 Year CD | $500 | 0.30% | −4.68% | Top 97% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Prestige 5 Year CD Relationship | $500 | 0.40% | −4.61% | Top 96% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | 5 Year CD | $500 | 0.35% | −4.66% | Top 97% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.10% APY (10 months). The standard rate for a similar term is 0.15% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $395 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Bank of New Hampshire's best CD rates by term?
Bank of New Hampshire's best rate is 4.10% APY on 10 months, verified October 22, 2026.
- 5 mo3.85%
- 6 mo0.15%
- 10 mo4.10%
- 12 mo0.20%
- 24 mo0.25%
- 36 mo0.30%
- 48 mo0.35%
- 60 mo0.40%
How much interest could a Bank of New Hampshire CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$340.33 interest · $10,340.33 at maturity on $10,000.00.
4.10% APY · 10 months · 10 Month Special CD · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 5 months | $79.283.85% APY · 5 Month Special CD · Promotional | $158.563.85% APY · 5 Month Special CD · Promotional | $396.413.85% APY · 5 Month Special CD · Promotional | $792.823.85% APY · 5 Month Special CD · Promotional |
| 6 months | $3.760.15% APY · Prestige 6 Month CD · Relationship | $7.520.15% APY · Prestige 6 Month CD · Relationship | $18.790.15% APY · Prestige 6 Month CD · Relationship | $37.590.15% APY · Prestige 6 Month CD · Relationship |
| 10 months | $170.164.10% APY · 10 Month Special CD · Promotional | $340.334.10% APY · 10 Month Special CD · Promotional | $850.824.10% APY · 10 Month Special CD · Promotional | $1,701.644.10% APY · 10 Month Special CD · Promotional |
| 12 months | $10.000.20% APY · Prestige 1 Year CD · Relationship | $20.000.20% APY · Prestige 1 Year CD · Relationship | $50.000.20% APY · Prestige 1 Year CD · Relationship | $100.000.20% APY · Prestige 1 Year CD · Relationship |
| 24 months | $25.030.25% APY · Prestige 2 Year CD · Relationship | $50.060.25% APY · Prestige 2 Year CD · Relationship | $125.160.25% APY · Prestige 2 Year CD · Relationship | $250.310.25% APY · Prestige 2 Year CD · Relationship |
| 36 months | $45.140.30% APY · Prestige 3 Year CD · Relationship | $90.270.30% APY · Prestige 3 Year CD · Relationship | $225.680.30% APY · Prestige 3 Year CD · Relationship | $451.350.30% APY · Prestige 3 Year CD · Relationship |
| 48 months | $70.370.35% APY · Prestige 4 Year CD · Relationship | $140.740.35% APY · Prestige 4 Year CD · Relationship | $351.840.35% APY · Prestige 4 Year CD · Relationship | $703.680.35% APY · Prestige 4 Year CD · Relationship |
| 60 months | $100.800.40% APY · Prestige 5 Year CD · Relationship | $201.610.40% APY · Prestige 5 Year CD · Relationship | $504.020.40% APY · Prestige 5 Year CD · Relationship | $1,008.030.40% APY · Prestige 5 Year CD · Relationship |
How Bank of New Hampshire compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 12 of 41 tracked institutions with fresh 304-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Bank of New Hampshire (this institution)10 Month Special CD · Promotional | 10 months | $5,000 | Branches in NH | 4.10% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Eastern BankFeatured CD · Promotional | 10 months | $2,500 | Branches in MA, NH, RI | 4.15% | October 22, 2026 |
| Newburyport Five Cents Savings Bank10 Month Certificate of Deposit Special · Promotional | 10 months | $500 | Branches in MA, NH | 4.05% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bank of New Hampshire on October 22, 2026.
About Bank of New Hampshire
- Legal name
- Bank of New Hampshire
- Regulator ID
- FDIC 18012
- Headquarters
- Laconia, NH
- Available in
- NH
- Total assets
- $2.8 billion
- Also known as
- Website
- www.bnh.bank
Source: rates read from https://bnh.bank/deposit-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bank of New Hampshire?
Among the rates we track, 4.10% APY on a 10-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Bank of New Hampshire CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does Bank of New Hampshire's best CD rate compare with Treasury yields?
4.10% APY is −0.41% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Bank of New Hampshire CDs insured?
Bank of New Hampshire is an FDIC-insured bank (FDIC 18012). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bank of New Hampshire's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bank of New Hampshire's website and may change at any time. Confirm terms, minimums and eligibility with Bank of New Hampshire before opening an account. This page is not financial advice.