# Hingham Institution for Savings CD rates

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.

Canonical page: https://apyledger.com/cd-rates/hingham-institution-for-savings
Institution: Hingham Institution for Savings (FDIC 90211)
Aliases: 
Status: live
Last verified: 2026-10-22T16:22:45.000Z (October 22, 2026)
Official source: https://www.hinghamsavings.com/deposit-rates
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit (No Penalty) | standard | 2 months | $1,000 | 0.50% | Not ZIP-priced | −3.70% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 4 months | $1,000 | 3.70% | Not ZIP-priced | −0.69% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 5 months | $1,000 | 3.75% | Not ZIP-priced | −0.64% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 6 months | $1,000 | 1.00% | Not ZIP-priced | −3.40% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 9 months | $1,000 | 3.85% | Not ZIP-priced | −0.63% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 11 months | $1,000 | 3.42% | Not ZIP-priced | −1.12% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 12 months | $1,000 | 1.01% | Not ZIP-priced | −3.56% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 13 months | $1,000 | 3.32% | Not ZIP-priced | −1.28% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 15 months | $1,000 | 1.70% | Not ZIP-priced | −2.95% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 18 months | $1,000 | 1.75% | Not ZIP-priced | −2.97% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 24 months | $1,000 | 1.75% | Not ZIP-priced | −3.12% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 30 months | $1,000 | 1.70% | Not ZIP-priced | −3.21% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 36 months | $1,000 | 1.70% | Not ZIP-priced | −3.25% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |
| Certificate of Deposit | standard | 48 months | $1,000 | 1.00% | Not ZIP-priced | −3.98% | 2026-10-22T16:22:45.000Z | [Snapshot 361](https://apyledger.com/snapshots/361) |

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.