# Mascoma Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/mascoma-bank
Institution: Mascoma Bank (FDIC 18013)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:24.000Z (October 22, 2026)
Official source: https://mascoma.bank/personal-banking/deposit-accounts/cds-and-iras/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD/IRA – 7 Days | standard | 7 days | $5,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD – 3 Months | standard | 3 months | $500 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| 5-Month CD Special | promotional | 5 months | $500 | 3.55% | Not ZIP-priced | −0.84% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD – 6 Months | standard | 6 months | $500 | 2.40% | Not ZIP-priced | −2.00% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| 9-Month CD Special | promotional | 9 months | $500 | 3.65% | Not ZIP-priced | −0.83% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD – 9 Months | standard | 9 months | $500 | 2.30% | Not ZIP-priced | −2.18% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| 12-Month CD/IRA Special | promotional | 12 months | $500 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD – 1 Year RGC | relationship | 12 months | $500 | 2.20% | Not ZIP-priced | −2.37% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 1 Year | standard | 12 months | $500 | 2.15% | Not ZIP-priced | −2.42% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| 18-Month CD/IRA Special | promotional | 18 months | $500 | 3.85% | Not ZIP-priced | −0.87% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 1.5 Years | standard | 18 months | $500 | 0.25% | Not ZIP-priced | −4.47% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 2 Years | standard | 24 months | $500 | 0.35% | Not ZIP-priced | −4.52% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 3 Years | standard | 36 months | $500 | 0.40% | Not ZIP-priced | −4.55% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 4 Years | standard | 48 months | $500 | 0.45% | Not ZIP-priced | −4.53% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |
| CD/IRA – 5 Years | standard | 60 months | $500 | 0.55% | Not ZIP-priced | −4.46% | 2026-10-22T16:23:24.000Z | [Snapshot 379](https://apyledger.com/snapshots/379) |

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.