# Machias Savings Bank CD rates

As of October 22, 2026, Machias Savings Bank's highest tracked CD rate is 4.50% APY on a 36-month CD ($500 minimum). That is 3.2 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 2.35% to 4.50% APY.

Canonical page: https://apyledger.com/cd-rates/machias-savings-bank
Institution: Machias Savings Bank (FDIC 19531)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:06.000Z (October 22, 2026)
Official source: https://www.machiassavings.bank/consumer-deposit-rates/
Coverage: CDs from 3 to 60 months with a $500 minimum, including a 7-month special. Early withdrawal penalties apply.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| My MSB Certificate of Deposit | standard | 3 months | $500 | 2.35% | Not ZIP-priced | −1.94% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 6 months | $500 | 2.60% | Not ZIP-priced | −1.80% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | promotional | 7 months | $500 | 3.00% | Not ZIP-priced | −1.43% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 18 months | $500 | 2.55% | Not ZIP-priced | −2.17% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 24 months | $500 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 36 months | $500 | 4.50% | Not ZIP-priced | −0.45% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 48 months | $500 | 2.65% | Not ZIP-priced | −2.33% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |
| My MSB Certificate of Deposit | standard | 60 months | $500 | 2.65% | Not ZIP-priced | −2.36% | 2026-10-23T03:02:06.000Z | [Snapshot 920](https://apyledger.com/snapshots/920) |

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.