Martha's Vineyard Bank CD Rates — October 2026
As of October 22, 2026, Martha's Vineyard Bank's highest tracked CD rate is 4.20% APY on an 18-month CD ($1,000 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.00% to 4.20% APY.
Tracking began .
Martha's Vineyard Bank CD rates
CD specials (5, 7 and 9 months) and standard CDs from 3 to 60 months with a $1,000 minimum. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit - 3-Month CD | $1,000 | 3.00% | −1.29% | Top 48% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | Special Certificate of Deposit - 5-Month CD Promotional | $1,000 | 3.60% | −0.79% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit - 6-Month CD | $1,000 | 3.10% | −1.30% | Top 60% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | Special Certificate of Deposit - 7-Month CD Promotional | $1,000 | 3.25% | −1.18% | Verified October 22, 2026 |
| 9 months | Certificate of Deposit - 9-Month CD | $1,000 | 3.70% | −0.78% | Top 46% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | Special Certificate of Deposit - 9-Month CD Promotional | $1,000 | 3.00% | −1.48% | Top 80% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit - 12-Month CD | $1,000 | 3.70% | −0.87% | Top 46% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit - 18-Month CD | $1,000 | 4.20% | −0.52% | Top 16% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit - 24-Month CD | $1,000 | 2.20% | −2.67% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit - 36-Month CD | $1,000 | 2.20% | −2.75% | Top 74% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit - 48-Month CD | $1,000 | 2.00% | −2.98% | Top 78% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit - 60-Month CD | $1,000 | 2.00% | −3.01% | Top 81% of tracked 60-month CDs · Verified 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.
Watch the renewal rate
The best promotional rate here is 3.60% APY (5 months). The standard rate for a similar term is 3.10% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Martha's Vineyard Bank's best CD rates by term?
Martha's Vineyard Bank's best rate is 4.20% APY on 18 months, verified October 22, 2026.
- 3 mo3.00%
- 5 mo3.60%
- 6 mo3.10%
- 7 mo3.25%
- 9 mo3.70%
- 12 mo3.70%
- 18 mo4.20%
- 24 mo2.20%
- 36 mo2.20%
- 48 mo2.00%
- 60 mo2.00%
How much interest could a Martha's Vineyard 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.
$637.17 interest · $10,637.17 at maturity on $10,000.00.
4.20% APY · 18 months · Certificate of Deposit - 18-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 | $36.983.00% APY · Certificate of Deposit - 3-Month CD · Standard | $73.973.00% APY · Certificate of Deposit - 3-Month CD · Standard | $184.923.00% APY · Certificate of Deposit - 3-Month CD · Standard | $369.833.00% APY · Certificate of Deposit - 3-Month CD · Standard |
| 5 months | $74.193.60% APY · Special Certificate of Deposit - 5-Month CD · Promotional | $148.373.60% APY · Special Certificate of Deposit - 5-Month CD · Promotional | $370.933.60% APY · Special Certificate of Deposit - 5-Month CD · Promotional | $741.863.60% APY · Special Certificate of Deposit - 5-Month CD · Promotional |
| 6 months | $77.123.10% APY · Certificate of Deposit - 6-Month CD · Standard | $154.243.10% APY · Certificate of Deposit - 6-Month CD · Standard | $385.603.10% APY · Certificate of Deposit - 6-Month CD · Standard | $771.213.10% APY · Certificate of Deposit - 6-Month CD · Standard |
| 7 months | $94.203.25% APY · Special Certificate of Deposit - 7-Month CD · Promotional | $188.393.25% APY · Special Certificate of Deposit - 7-Month CD · Promotional | $470.983.25% APY · Special Certificate of Deposit - 7-Month CD · Promotional | $941.973.25% APY · Special Certificate of Deposit - 7-Month CD · Promotional |
| 9 months | $138.253.70% APY · Certificate of Deposit - 9-Month CD · Standard | $276.493.70% APY · Certificate of Deposit - 9-Month CD · Standard | $691.233.70% APY · Certificate of Deposit - 9-Month CD · Standard | $1,382.463.70% APY · Certificate of Deposit - 9-Month CD · Standard |
| 12 months | $185.003.70% APY · Certificate of Deposit - 12-Month CD · Standard | $370.003.70% APY · Certificate of Deposit - 12-Month CD · Standard | $925.003.70% APY · Certificate of Deposit - 12-Month CD · Standard | $1,850.003.70% APY · Certificate of Deposit - 12-Month CD · Standard |
| 18 months | $318.584.20% APY · Certificate of Deposit - 18-Month CD · Standard | $637.174.20% APY · Certificate of Deposit - 18-Month CD · Standard | $1,592.924.20% APY · Certificate of Deposit - 18-Month CD · Standard | $3,185.844.20% APY · Certificate of Deposit - 18-Month CD · Standard |
| 24 months | $222.422.20% APY · Certificate of Deposit - 24-Month CD · Standard | $444.842.20% APY · Certificate of Deposit - 24-Month CD · Standard | $1,112.102.20% APY · Certificate of Deposit - 24-Month CD · Standard | $2,224.202.20% APY · Certificate of Deposit - 24-Month CD · Standard |
| 36 months | $337.312.20% APY · Certificate of Deposit - 36-Month CD · Standard | $674.632.20% APY · Certificate of Deposit - 36-Month CD · Standard | $1,686.572.20% APY · Certificate of Deposit - 36-Month CD · Standard | $3,373.132.20% APY · Certificate of Deposit - 36-Month CD · Standard |
| 48 months | $412.162.00% APY · Certificate of Deposit - 48-Month CD · Standard | $824.322.00% APY · Certificate of Deposit - 48-Month CD · Standard | $2,060.802.00% APY · Certificate of Deposit - 48-Month CD · Standard | $4,121.612.00% APY · Certificate of Deposit - 48-Month CD · Standard |
| 60 months | $520.402.00% APY · Certificate of Deposit - 60-Month CD · Standard | $1,040.812.00% APY · Certificate of Deposit - 60-Month CD · Standard | $2,602.022.00% APY · Certificate of Deposit - 60-Month CD · Standard | $5,204.042.00% APY · Certificate of Deposit - 60-Month CD · Standard |
How Martha's Vineyard Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 53 of 331 tracked institutions with fresh 548-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 | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Martha's Vineyard Bank (this institution)Certificate of Deposit - 18-Month CD · Standard | 18 months | $1,000 | Branches in MA | 4.20% | October 22, 2026 |
| Bread SavingsBread Savings CD · Standard | 18 months | $1,500 | Available nationwide | 4.85% | October 22, 2026 |
| Popular DirectCD · Standard | 18 months | $10,000 | Available nationwide | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Kirtland Federal Credit Union (highest tracked APY for this term)18-Month Limited-Time Share Certificate · Promotional | 18 months | $500 | Membership required · branches in NM | 5.12% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Martha's Vineyard Bank on October 22, 2026.
About Martha's Vineyard Bank
- Legal name
- Martha's Vineyard Bank
- Regulator ID
- FDIC 90190
- Headquarters
- Edgartown, MA
- Available in
- MA
- Total assets
- $1.3 billion
- Also known as
- MV Bank
- Website
- www.mvbank.com
Source: rates read from https://www.mvbank.com/resources/rate-tables/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Martha's Vineyard Bank?
Among the rates we track, 4.20% APY on an 18-month CD, as of October 22, 2026.
What is the minimum deposit for a Martha's Vineyard Bank CD?
The lowest minimum we found is $1,000.
How does Martha's Vineyard Bank's best CD rate compare with Treasury yields?
4.20% APY is −0.52% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.20% a good CD rate?
It is 2.7 times the FDIC national average for a similar term (1.55% 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 Martha's Vineyard Bank CDs insured?
Martha's Vineyard Bank is an FDIC-insured bank (FDIC 90190). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Martha's Vineyard Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Martha's Vineyard Bank's website and may change at any time. Confirm terms, minimums and eligibility with Martha's Vineyard Bank before opening an account. This page is not financial advice.