Mascoma Bank CD Rates — October 2026
As of October 22, 2026, Mascoma Bank's highest tracked CD rate is 4.00% APY on a 12-month promotional CD ($500 minimum). That is 2.3 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.05% to 2.50% APY.
Tracking began .
Mascoma Bank CD rates
CD specials (5, 9, 12 and 18 months) and standard CDs; most terms require $500 and the 7-day CD $5,000. The 1-year relationship rate requires a Relationship Gold Checking account. The IRA-only variable-rate product is excluded. Early withdrawal penalties may apply.
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 4.00% APY (12 months). The standard rate for a similar term is 2.15% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $185 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 Mascoma Bank's best CD rates by term?
Mascoma Bank's best rate is 4.00% APY on 12 months, verified October 22, 2026.
- 7 days0.05%
- 3 mo2.50%
- 5 mo3.55%
- 6 mo2.40%
- 9 mo3.65%
- 12 mo4.00%
- 18 mo3.85%
- 24 mo0.35%
- 36 mo0.40%
- 48 mo0.45%
- 60 mo0.55%
How much interest could a Mascoma 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.
$400.00 interest · $10,400.00 at maturity on $10,000.00.
4.00% APY · 12 months · 12-Month CD/IRA Special · Promotional · 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 |
|---|---|---|---|---|
| 7 days | $0.050.05% APY · CD/IRA – 7 Days · Standard | $0.100.05% APY · CD/IRA – 7 Days · Standard | $0.240.05% APY · CD/IRA – 7 Days · Standard | $0.480.05% APY · CD/IRA – 7 Days · Standard |
| 3 months | $30.882.50% APY · CD – 3 Months · Standard | $61.752.50% APY · CD – 3 Months · Standard | $154.382.50% APY · CD – 3 Months · Standard | $308.762.50% APY · CD – 3 Months · Standard |
| 5 months | $73.173.55% APY · 5-Month CD Special · Promotional | $146.333.55% APY · 5-Month CD Special · Promotional | $365.833.55% APY · 5-Month CD Special · Promotional | $731.663.55% APY · 5-Month CD Special · Promotional |
| 6 months | $59.812.40% APY · CD – 6 Months · Standard | $119.622.40% APY · CD – 6 Months · Standard | $299.042.40% APY · CD – 6 Months · Standard | $598.092.40% APY · CD – 6 Months · Standard |
| 9 months | $136.393.65% APY · 9-Month CD Special · Promotional | $272.773.65% APY · 9-Month CD Special · Promotional | $681.933.65% APY · 9-Month CD Special · Promotional | $1,363.863.65% APY · 9-Month CD Special · Promotional |
| 12 months | $200.004.00% APY · 12-Month CD/IRA Special · Promotional | $400.004.00% APY · 12-Month CD/IRA Special · Promotional | $1,000.004.00% APY · 12-Month CD/IRA Special · Promotional | $2,000.004.00% APY · 12-Month CD/IRA Special · Promotional |
| 18 months | $291.793.85% APY · 18-Month CD/IRA Special · Promotional | $583.573.85% APY · 18-Month CD/IRA Special · Promotional | $1,458.933.85% APY · 18-Month CD/IRA Special · Promotional | $2,917.853.85% APY · 18-Month CD/IRA Special · Promotional |
| 24 months | $35.060.35% APY · CD/IRA – 2 Years · Standard | $70.120.35% APY · CD/IRA – 2 Years · Standard | $175.310.35% APY · CD/IRA – 2 Years · Standard | $350.610.35% APY · CD/IRA – 2 Years · Standard |
| 36 months | $60.240.40% APY · CD/IRA – 3 Years · Standard | $120.480.40% APY · CD/IRA – 3 Years · Standard | $301.200.40% APY · CD/IRA – 3 Years · Standard | $602.400.40% APY · CD/IRA – 3 Years · Standard |
| 48 months | $90.610.45% APY · CD/IRA – 4 Years · Standard | $181.220.45% APY · CD/IRA – 4 Years · Standard | $453.050.45% APY · CD/IRA – 4 Years · Standard | $906.090.45% APY · CD/IRA – 4 Years · Standard |
| 60 months | $139.020.55% APY · CD/IRA – 5 Years · Standard | $278.040.55% APY · CD/IRA – 5 Years · Standard | $695.100.55% APY · CD/IRA – 5 Years · Standard | $1,390.210.55% APY · CD/IRA – 5 Years · Standard |
How Mascoma Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 60 of 233 tracked institutions with fresh 365-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 |
|---|---|---|---|---|---|
| Mascoma Bank (this institution)12-Month CD/IRA Special · Promotional | 12 months | $500 | Coverage: NH, VT | 4.00% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 12 months | $10,000 | Nationwide; check eligibility | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays12 Month CD · Standard | 12 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Coverage: NC, SC, VA | 5.00% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Mascoma Bank on October 22, 2026.
About Mascoma Bank
- Legal name
- Mascoma Bank
- Regulator ID
- FDIC 18013
- Headquarters
- Lebanon, NH
- Available in
- NH, VT
- Total assets
- $3.0 billion
- Also known as
- Website
- www.mascoma.bank
Source: rates read from https://mascoma.bank/personal-banking/deposit-accounts/cds-and-iras/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Mascoma Bank?
Among the rates we track, 4.00% APY on a 12-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Mascoma Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does Mascoma Bank's best CD rate compare with Treasury yields?
4.00% APY is −0.57% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.00% a good CD rate?
It is 2.3 times the FDIC national average for a similar term (1.76% 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 Mascoma Bank CDs insured?
Mascoma Bank is an FDIC-insured bank (FDIC 18013). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Mascoma Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Mascoma Bank's website and may change at any time. Confirm terms, minimums and eligibility with Mascoma Bank before opening an account. This page is not financial advice.