Hingham Institution for Savings CD Rates — October 2026
As of October 22, 2026, Hingham Institution for Savings's highest tracked CD rate is 3.85% APY on a 9-month CD ($1,000 minimum). That is 2.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.50% to 3.85% APY.
Tracking began .
Hingham Institution for Savings CD rates
Published personal CD rates, including the 2-month no-penalty CD. $1,000 minimum to open and earn the APY. Early withdrawal penalties may be imposed on other terms. Deposits above the FDIC limit are insured by the Depositors Insurance Fund.
| Term | Product | APY |
|---|---|---|
| 2 months | Certificate of Deposit (No Penalty) | 0.50%Verified October 22, 2026 |
| 4 months | Certificate of Deposit | 3.70%Verified October 22, 2026 |
| 5 months | Certificate of Deposit | 3.75%Verified October 22, 2026 |
| 6 months | Certificate of Deposit | 1.00%Top 90% · $10k reference sampleVerified October 22, 2026 |
| 9 months | Certificate of Deposit | 3.85%Top 38% · $10k reference sampleVerified October 22, 2026 |
| 11 months | Certificate of Deposit | 3.42%Verified October 22, 2026 |
| 12 months | Certificate of Deposit | 1.01%Top 91% · $10k reference sampleVerified October 22, 2026 |
| 13 months | Certificate of Deposit | 3.32%Verified October 22, 2026 |
| 15 months | Certificate of Deposit | 1.70%Verified October 22, 2026 |
| 18 months | Certificate of Deposit | 1.75%Top 88% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Certificate of Deposit | 1.75%Top 84% · $10k reference sampleVerified October 22, 2026 |
| 30 months | Certificate of Deposit | 1.70%Verified October 22, 2026 |
| 36 months | Certificate of Deposit | 1.70%Top 80% · $10k reference sampleVerified October 22, 2026 |
| 48 months | Certificate of Deposit | 1.00%Top 87% · $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 Hingham Institution for Savings's best CD rates by term?
Hingham Institution for Savings's best rate is 3.85% APY on 9 months, verified October 22, 2026.
- 2 mo0.50%
- 4 mo3.70%
- 5 mo3.75%
- 6 mo1.00%
- 9 mo3.85%
- 11 mo3.42%
- 12 mo1.01%
- 13 mo3.32%
- 15 mo1.70%
- 18 mo1.75%
- 24 mo1.75%
- 30 mo1.70%
- 36 mo1.70%
- 48 mo1.00%
How much interest could a Hingham Institution for Savings 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.
$287.65 interest · $10,287.65 at maturity on $10,000.00.
3.85% APY · 9 months · Certificate of Deposit · 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 |
|---|---|---|---|---|
| 2 months | $4.170.50% APY · Certificate of Deposit (No Penalty) · Standard | $8.340.50% APY · Certificate of Deposit (No Penalty) · Standard | $20.850.50% APY · Certificate of Deposit (No Penalty) · Standard | $41.690.50% APY · Certificate of Deposit (No Penalty) · Standard |
| 4 months | $61.093.70% APY · Certificate of Deposit · Standard | $122.183.70% APY · Certificate of Deposit · Standard | $305.453.70% APY · Certificate of Deposit · Standard | $610.893.70% APY · Certificate of Deposit · Standard |
| 5 months | $77.243.75% APY · Certificate of Deposit · Standard | $154.493.75% APY · Certificate of Deposit · Standard | $386.223.75% APY · Certificate of Deposit · Standard | $772.443.75% APY · Certificate of Deposit · Standard |
| 6 months | $25.011.00% APY · Certificate of Deposit · Standard | $50.011.00% APY · Certificate of Deposit · Standard | $125.031.00% APY · Certificate of Deposit · Standard | $250.061.00% APY · Certificate of Deposit · Standard |
| 9 months | $143.823.85% APY · Certificate of Deposit · Standard | $287.653.85% APY · Certificate of Deposit · Standard | $719.123.85% APY · Certificate of Deposit · Standard | $1,438.243.85% APY · Certificate of Deposit · Standard |
| 11 months | $156.733.42% APY · Certificate of Deposit · Standard | $313.453.42% APY · Certificate of Deposit · Standard | $783.643.42% APY · Certificate of Deposit · Standard | $1,567.273.42% APY · Certificate of Deposit · Standard |
| 12 months | $50.501.01% APY · Certificate of Deposit · Standard | $101.001.01% APY · Certificate of Deposit · Standard | $252.501.01% APY · Certificate of Deposit · Standard | $505.001.01% APY · Certificate of Deposit · Standard |
| 13 months | $179.893.32% APY · Certificate of Deposit · Standard | $359.773.32% APY · Certificate of Deposit · Standard | $899.433.32% APY · Certificate of Deposit · Standard | $1,798.863.32% APY · Certificate of Deposit · Standard |
| 15 months | $106.421.70% APY · Certificate of Deposit · Standard | $212.831.70% APY · Certificate of Deposit · Standard | $532.081.70% APY · Certificate of Deposit · Standard | $1,064.161.70% APY · Certificate of Deposit · Standard |
| 18 months | $131.941.75% APY · Certificate of Deposit · Standard | $263.891.75% APY · Certificate of Deposit · Standard | $659.721.75% APY · Certificate of Deposit · Standard | $1,319.451.75% APY · Certificate of Deposit · Standard |
| 24 months | $176.531.75% APY · Certificate of Deposit · Standard | $353.061.75% APY · Certificate of Deposit · Standard | $882.661.75% APY · Certificate of Deposit · Standard | $1,765.311.75% APY · Certificate of Deposit · Standard |
| 30 months | $215.341.70% APY · Certificate of Deposit · Standard | $430.671.70% APY · Certificate of Deposit · Standard | $1,076.691.70% APY · Certificate of Deposit · Standard | $2,153.371.70% APY · Certificate of Deposit · Standard |
| 36 months | $259.361.70% APY · Certificate of Deposit · Standard | $518.721.70% APY · Certificate of Deposit · Standard | $1,296.801.70% APY · Certificate of Deposit · Standard | $2,593.601.70% APY · Certificate of Deposit · Standard |
| 48 months | $203.021.00% APY · Certificate of Deposit · Standard | $406.041.00% APY · Certificate of Deposit · Standard | $1,015.101.00% APY · Certificate of Deposit · Standard | $2,030.201.00% APY · Certificate of Deposit · Standard |
How Hingham Institution for Savings compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 40 of 94 tracked institutions with fresh 274-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 |
|---|---|---|---|---|---|
| Hingham Institution for Savings (this institution)Certificate of Deposit · Standard | 9 months | $1,000 | Coverage: DC, MA | 3.85% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 5.35% | October 22, 2026 |
| NASA Federal Credit UnionShare Certificate - 9 Month Special · Promotional | 9 months | $10,000 | Coverage: DC, MD, VA | 4.45% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Hingham Institution for Savings on October 22, 2026.
About Hingham Institution for Savings
- Legal name
- Hingham Institution for Savings
- Regulator ID
- FDIC 90211
- Headquarters
- Hingham, MA
- Available in
- DC, MA
- Total assets
- $4.6 billion
- Also known as
- Website
- www.hinghamsavings.com
Source: rates read from https://www.hinghamsavings.com/deposit-rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Hingham Institution for Savings?
Among the rates we track, 3.85% APY on a 9-month CD, as of October 22, 2026.
What is the minimum deposit for a Hingham Institution for Savings CD?
The lowest minimum we found is $1,000.
How does Hingham Institution for Savings's best CD rate compare with Treasury yields?
3.85% APY is −0.63% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.85% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.39% 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 Hingham Institution for Savings CDs insured?
Hingham Institution for Savings is an FDIC-insured bank (FDIC 90211). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Hingham Institution for Savings's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Hingham Institution for Savings's website and may change at any time. Confirm terms, minimums and eligibility with Hingham Institution for Savings before opening an account. This page is not financial advice.