# Bank of New Hampshire CD rates

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.

Canonical page: https://apyledger.com/cd-rates/bank-of-new-hampshire
Institution: Bank of New Hampshire (FDIC 18012)
Aliases: 
Status: live
Last verified: 2026-10-23T01:36:13.000Z (October 22, 2026)
Official source: https://bnh.bank/deposit-rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 5 Month Special CD | promotional | 5 months | $5,000 | 3.85% | Not ZIP-priced | −0.54% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 6 Month CD | relationship | 6 months | $500 | 0.15% | Not ZIP-priced | −4.25% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 6 Month CD | standard | 6 months | $500 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 10 Month Special CD | promotional | 10 months | $5,000 | 4.10% | Not ZIP-priced | −0.41% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 1 Year CD | relationship | 12 months | $500 | 0.20% | Not ZIP-priced | −4.37% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 1 Year CD | standard | 12 months | $500 | 0.15% | Not ZIP-priced | −4.42% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 2 Year CD | relationship | 24 months | $500 | 0.25% | Not ZIP-priced | −4.62% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 2 Year CD | standard | 24 months | $500 | 0.20% | Not ZIP-priced | −4.67% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 3 Year CD | relationship | 36 months | $500 | 0.30% | Not ZIP-priced | −4.65% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 3 Year CD | standard | 36 months | $500 | 0.25% | Not ZIP-priced | −4.70% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 4 Year CD | relationship | 48 months | $500 | 0.35% | Not ZIP-priced | −4.63% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 4 Year CD | standard | 48 months | $500 | 0.30% | Not ZIP-priced | −4.68% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| Prestige 5 Year CD | relationship | 60 months | $500 | 0.40% | Not ZIP-priced | −4.61% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |
| 5 Year CD | standard | 60 months | $500 | 0.35% | Not ZIP-priced | −4.66% | 2026-10-23T01:36:13.000Z | [Snapshot 500](https://apyledger.com/snapshots/500) |

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.