Florence Bank CD Rates — October 2026
As of October 22, 2026, Florence Bank's highest tracked CD rate is 3.55% APY on a 14-month CD ($500 minimum). That is 2.0 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.15% to 3.55% APY.
Tracking began .
Florence Bank CD rates
Published personal CD rates from 3 to 60 months, including 7- and 17-month Easy-Out CDs that require $5,000 to open. Most CDs require a $500 minimum opening deposit. Early withdrawal penalties may apply.
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 Florence Bank's best CD rates by term?
Florence Bank's best rate is 3.55% APY on 14 months, verified October 22, 2026.
- 3 mo1.00%
- 5 mo3.30%
- 6 mo1.50%
- 7 mo3.00%
- 9 mo3.40%
- 12 mo1.50%
- 14 mo3.55%
- 16 mo3.10%
- 17 mo0.15%
- 18 mo0.20%
- 24 mo2.15%
- 30 mo0.35%
- 36 mo3.00%
- 48 mo3.00%
- 60 mo3.00%
How much interest could a Florence 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.
$415.55 interest · $10,415.55 at maturity on $10,000.00.
3.55% APY · 14 months · 14 Month CD · Standard · 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 | $12.421.00% APY · 3 Month CD · Standard | $24.841.00% APY · 3 Month CD · Standard | $62.101.00% APY · 3 Month CD · Standard | $124.191.00% APY · 3 Month CD · Standard |
| 5 months | $68.063.30% APY · 5 Month CD · Standard | $136.123.30% APY · 5 Month CD · Standard | $340.313.30% APY · 5 Month CD · Standard | $680.623.30% APY · 5 Month CD · Standard |
| 6 months | $37.461.50% APY · 6 Month CD · Standard | $74.931.50% APY · 6 Month CD · Standard | $187.321.50% APY · 6 Month CD · Standard | $374.631.50% APY · 6 Month CD · Standard |
| 7 months | $87.003.00% APY · 7 Month Easy-Out CD · Standard | $173.993.00% APY · 7 Month Easy-Out CD · Standard | $434.983.00% APY · 7 Month Easy-Out CD · Standard | $869.953.00% APY · 7 Month Easy-Out CD · Standard |
| 9 months | $127.083.40% APY · 9 Month CD · Standard | $254.173.40% APY · 9 Month CD · Standard | $635.423.40% APY · 9 Month CD · Standard | $1,270.833.40% APY · 9 Month CD · Standard |
| 12 months | $75.001.50% APY · 12 Month CD · Standard | $150.001.50% APY · 12 Month CD · Standard | $375.001.50% APY · 12 Month CD · Standard | $750.001.50% APY · 12 Month CD · Standard |
| 14 months | $207.773.55% APY · 14 Month CD · Standard | $415.553.55% APY · 14 Month CD · Standard | $1,038.863.55% APY · 14 Month CD · Standard | $2,077.733.55% APY · 14 Month CD · Standard |
| 16 months | $207.873.10% APY · 16 Month CD · Standard | $415.743.10% APY · 16 Month CD · Standard | $1,039.363.10% APY · 16 Month CD · Standard | $2,078.723.10% APY · 16 Month CD · Standard |
| 17 months | $10.630.15% APY · 17 Month Easy-Out CD · Standard | $21.250.15% APY · 17 Month Easy-Out CD · Standard | $53.130.15% APY · 17 Month Easy-Out CD · Standard | $106.270.15% APY · 17 Month Easy-Out CD · Standard |
| 18 months | $15.020.20% APY · 18 Month CD · Standard | $30.040.20% APY · 18 Month CD · Standard | $75.110.20% APY · 18 Month CD · Standard | $150.210.20% APY · 18 Month CD · Standard |
| 24 months | $217.312.15% APY · 24 Month CD · Standard | $434.622.15% APY · 24 Month CD · Standard | $1,086.562.15% APY · 24 Month CD · Standard | $2,173.112.15% APY · 24 Month CD · Standard |
| 30 months | $43.890.35% APY · 30 Month CD · Standard | $87.780.35% APY · 30 Month CD · Standard | $219.450.35% APY · 30 Month CD · Standard | $438.890.35% APY · 30 Month CD · Standard |
| 36 months | $463.643.00% APY · 36 Month CD · Standard | $927.273.00% APY · 36 Month CD · Standard | $2,318.173.00% APY · 36 Month CD · Standard | $4,636.353.00% APY · 36 Month CD · Standard |
| 48 months | $627.543.00% APY · 48 Month CD · Standard | $1,255.093.00% APY · 48 Month CD · Standard | $3,137.723.00% APY · 48 Month CD · Standard | $6,275.443.00% APY · 48 Month CD · Standard |
| 60 months | $796.373.00% APY · 60 Month CD · Standard | $1,592.743.00% APY · 60 Month CD · Standard | $3,981.853.00% APY · 60 Month CD · Standard | $7,963.703.00% APY · 60 Month CD · Standard |
How Florence Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 426-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 15 of 20 tracked institutions with fresh 426-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 |
|---|---|---|---|---|---|
| Florence Bank (this institution)14 Month CD · Standard | 14 months | $500 | Coverage: MA | 3.55% | October 22, 2026 |
| Synchrony BankCD · Standard | 14 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Eastern BankFeatured CD · Promotional | 14 months | $2,500 | Coverage: MA, NH, RI | 4.25% | October 22, 2026 |
| Arise FinancialShare Certificate · Standard | 14 months | $500 | Coverage: MA | 4.10% | October 22, 2026 |
| Langley Federal Credit Union (highest tracked APY for this term)14 Month Promotional Certificate · Promotional | 14 months | $500 | Coverage: NC, VA | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 14 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.62% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Florence Bank on October 22, 2026.
About Florence Bank
- Legal name
- Florence Bank
- Regulator ID
- FDIC 23293
- Headquarters
- Florence, MA
- Available in
- MA
- Total assets
- $2.0 billion
- Also known as
- Website
- www.florencebank.com
Source: rates read from https://www.florencebank.com/personal/deposit-accounts/certificate-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Florence Bank?
Among the rates we track, 3.55% APY on a 14-month CD, as of October 22, 2026.
What is the minimum deposit for a Florence Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does Florence Bank's best CD rate compare with Treasury yields?
3.55% APY is −1.07% versus the 14-month Treasury yield of 4.62% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.55% a good CD rate?
It is 2.0 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 Florence Bank CDs insured?
Florence Bank is an FDIC-insured bank (FDIC 23293). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Florence Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Florence Bank's website and may change at any time. Confirm terms, minimums and eligibility with Florence Bank before opening an account. This page is not financial advice.