# Martha's Vineyard Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/marthas-vineyard-bank
Institution: Martha's Vineyard Bank (FDIC 90190)
Aliases: MV Bank
Status: live
Last verified: 2026-10-23T03:20:08.000Z (October 22, 2026)
Official source: https://www.mvbank.com/resources/rate-tables/certificates-of-deposit
Coverage: 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.
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 - 3-Month CD | standard | 3 months | $1,000 | 3.00% | Not ZIP-priced | −1.29% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Special Certificate of Deposit - 5-Month CD | promotional | 5 months | $1,000 | 3.60% | Not ZIP-priced | −0.79% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 6-Month CD | standard | 6 months | $1,000 | 3.10% | Not ZIP-priced | −1.30% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Special Certificate of Deposit - 7-Month CD | promotional | 7 months | $1,000 | 3.25% | Not ZIP-priced | −1.18% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 9-Month CD | standard | 9 months | $1,000 | 3.70% | Not ZIP-priced | −0.78% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Special Certificate of Deposit - 9-Month CD | promotional | 9 months | $1,000 | 3.00% | Not ZIP-priced | −1.48% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 12-Month CD | standard | 12 months | $1,000 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 18-Month CD | standard | 18 months | $1,000 | 4.20% | Not ZIP-priced | −0.52% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 24-Month CD | standard | 24 months | $1,000 | 2.20% | Not ZIP-priced | −2.67% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 36-Month CD | standard | 36 months | $1,000 | 2.20% | Not ZIP-priced | −2.75% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 48-Month CD | standard | 48 months | $1,000 | 2.00% | Not ZIP-priced | −2.98% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |
| Certificate of Deposit - 60-Month CD | standard | 60 months | $1,000 | 2.00% | Not ZIP-priced | −3.01% | 2026-10-23T03:20:08.000Z | [Snapshot 961](https://apyledger.com/snapshots/961) |

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.