Bluestone Bank CD Rates — October 2026
As of October 22, 2026, Bluestone Bank's highest tracked CD rate is 3.95% APY on a 12-month promotional CD ($2,000 minimum). That is 2.2 times the FDIC national average for 12-month CDs (1.76%).
Tracking began .
Bluestone Bank CD rates
Fixed-rate CDs from 3 to 60 months with a $2,000 minimum deposit to open; interest compounds daily and is credited monthly. The IRA-only variable-rate CD is excluded. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 3 months | Fixed Rate CD Promotional | 3.50%Top 30% · $10k reference sampleVerified October 22, 2026 |
| 6 months | Fixed Rate CD Promotional | 3.65%Top 44% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Fixed Rate CD Promotional | 3.80%Top 41% · $10k reference sampleVerified October 22, 2026 |
| 12 months | Fixed Rate CD Promotional | 3.95%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Fixed Rate CD Promotional | 3.80%Top 43% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Fixed Rate CD Promotional | 3.85%Top 31% · $10k reference sampleVerified October 22, 2026 |
| 36 months | Fixed Rate CD Promotional | 3.85%Top 26% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Fixed Rate CD Promotional | 3.55%Top 35% · $10k reference sampleVerified October 22, 2026 |
| 60 months | Fixed Rate CD Promotional | 3.55%Top 37% · $10k reference sampleVerified 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.
What are Bluestone Bank's best CD rates by term?
Bluestone Bank's best rate is 3.95% APY on 12 months, verified October 22, 2026.
- 3 mo3.50%
- 6 mo3.65%
- 9 mo3.80%
- 12 mo3.95%
- 18 mo3.80%
- 24 mo3.85%
- 36 mo3.85%
- 48 mo3.55%
- 60 mo3.55%
How much interest could a Bluestone Bank 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.
$395.00 interest · $10,395.00 at maturity on $10,000.00.
3.95% APY · 12 months · Fixed Rate 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 |
|---|---|---|---|---|
| 3 months | $43.073.50% APY · Fixed Rate CD · Promotional | $86.143.50% APY · Fixed Rate CD · Promotional | $215.343.50% APY · Fixed Rate CD · Promotional | $430.683.50% APY · Fixed Rate CD · Promotional |
| 6 months | $90.683.65% APY · Fixed Rate CD · Promotional | $181.363.65% APY · Fixed Rate CD · Promotional | $453.413.65% APY · Fixed Rate CD · Promotional | $906.823.65% APY · Fixed Rate CD · Promotional |
| 9 months | $141.963.80% APY · Fixed Rate CD · Promotional | $283.933.80% APY · Fixed Rate CD · Promotional | $709.823.80% APY · Fixed Rate CD · Promotional | $1,419.653.80% APY · Fixed Rate CD · Promotional |
| 12 months | $197.503.95% APY · Fixed Rate CD · Promotional | $395.003.95% APY · Fixed Rate CD · Promotional | $987.503.95% APY · Fixed Rate CD · Promotional | $1,975.003.95% APY · Fixed Rate CD · Promotional |
| 18 months | $287.963.80% APY · Fixed Rate CD · Promotional | $575.923.80% APY · Fixed Rate CD · Promotional | $1,439.803.80% APY · Fixed Rate CD · Promotional | $2,879.613.80% APY · Fixed Rate CD · Promotional |
| 24 months | $392.413.85% APY · Fixed Rate CD · Promotional | $784.823.85% APY · Fixed Rate CD · Promotional | $1,962.063.85% APY · Fixed Rate CD · Promotional | $3,924.113.85% APY · Fixed Rate CD · Promotional |
| 36 months | $600.023.85% APY · Fixed Rate CD · Promotional | $1,200.043.85% APY · Fixed Rate CD · Promotional | $3,000.103.85% APY · Fixed Rate CD · Promotional | $6,000.193.85% APY · Fixed Rate CD · Promotional |
| 48 months | $748.713.55% APY · Fixed Rate CD · Promotional | $1,497.423.55% APY · Fixed Rate CD · Promotional | $3,743.553.55% APY · Fixed Rate CD · Promotional | $7,487.103.55% APY · Fixed Rate CD · Promotional |
| 60 months | $952.793.55% APY · Fixed Rate CD · Promotional | $1,905.583.55% APY · Fixed Rate CD · Promotional | $4,763.953.55% APY · Fixed Rate CD · Promotional | $9,527.893.55% APY · Fixed Rate CD · Promotional |
How Bluestone Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 83 of 233 tracked institutions with fresh 365-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Bluestone Bank (this institution)Fixed Rate CD · Promotional | 12 months | $2,000 | Coverage: MA | 3.95% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Bluestone Bank on October 22, 2026.
About Bluestone Bank
- Legal name
- Bluestone Bank
- Regulator ID
- FDIC 90169
- Headquarters
- Raynham, MA
- Available in
- MA
- Total assets
- $1.6 billion
- Also known as
- Website
- www.bluestone.bank
Source: rates read from https://bluestone.bank/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Bluestone Bank?
Among the rates we track, 3.95% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Bluestone Bank CD?
The lowest minimum we found is $2,000.
How does Bluestone Bank's best CD rate compare with Treasury yields?
3.95% APY is −0.62% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.95% a good CD rate?
It is 2.2 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 Bluestone Bank CDs insured?
Bluestone Bank is an FDIC-insured bank (FDIC 90169). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Bluestone Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Bluestone Bank's website and may change at any time. Confirm terms, minimums and eligibility with Bluestone Bank before opening an account. This page is not financial advice.