MutualOne Bank CD Rates — October 2026
As of October 22, 2026, MutualOne Bank's highest tracked CD rate is 3.56% APY on a 6-month promotional CD ($500 minimum). That is 2.6 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.40% to 2.02% APY.
Tracking began .
MutualOne Bank CD rates
CD specials (3, 6, 9 and 13 months) and standard CDs from 28 days to 61 months; most terms require $500 and the 28-day, 9-month Advantage and 61-month CDs $5,000. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 28 days | 28 Day CD | $5,000 | 0.45% | −3.68% | Verified October 22, 2026 |
| 3 months | 3 Month CD Promotional | $500 | 3.35% | −0.94% | Top 31% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month CD Promotional | $500 | 3.56% | −0.84% | Top 42% of tracked 6-month CDs · Verified October 22, 2026 |
| 7 months | 7 Month CD | $500 | 0.45% | −3.98% | Verified October 22, 2026 |
| 9 months | 9 Month CD Promotional | $500 | 3.46% | −1.02% | Top 59% of tracked 9-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month Advantage CD | $5,000 | 0.40% | −4.08% | Top 95% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD | $500 | 0.45% | −4.12% | Top 94% of tracked 12-month CDs · Verified October 22, 2026 |
| 13 months | 13 Month CD | $500 | 2.02% | −2.58% | Verified October 22, 2026 |
| 18 months | 18 Month CD | $500 | 1.75% | −2.97% | Top 87% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD | $500 | 1.31% | −3.56% | Top 89% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | 30 Month CD | $500 | 0.50% | −4.41% | Verified October 22, 2026 |
| 36 months | 36 Month CD | $500 | 0.55% | −4.40% | Top 92% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD | $500 | 0.55% | −4.43% | Top 92% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD | $500 | 0.55% | −4.46% | Top 93% of tracked 60-month CDs · Verified October 22, 2026 |
| 61 months | 61 Month CD | $5,000 | 0.55% | −4.46% | 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 3.56% APY (6 months). The standard rate for a similar term is 0.45% APY (7 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $311 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 MutualOne Bank's best CD rates by term?
MutualOne Bank's best rate is 3.56% APY on 6 months, verified October 22, 2026.
- 28 days0.45%
- 3 mo3.35%
- 6 mo3.56%
- 7 mo0.45%
- 9 mo3.46%
- 12 mo0.45%
- 13 mo2.02%
- 18 mo1.75%
- 24 mo1.31%
- 30 mo0.50%
- 36 mo0.55%
- 48 mo0.55%
- 60 mo0.55%
- 61 mo0.55%
How much interest could a MutualOne 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.
$176.93 interest · $10,176.93 at maturity on $10,000.00.
3.56% APY · 6 months · 6 Month CD · 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 |
|---|---|---|---|---|
| 28 days | $1.720.45% APY · 28 Day CD · Standard | $3.440.45% APY · 28 Day CD · Standard | $8.610.45% APY · 28 Day CD · Standard | $17.220.45% APY · 28 Day CD · Standard |
| 3 months | $41.253.35% APY · 3 Month CD · Promotional | $82.493.35% APY · 3 Month CD · Promotional | $206.233.35% APY · 3 Month CD · Promotional | $412.453.35% APY · 3 Month CD · Promotional |
| 6 months | $88.473.56% APY · 6 Month CD · Promotional | $176.933.56% APY · 6 Month CD · Promotional | $442.333.56% APY · 6 Month CD · Promotional | $884.663.56% APY · 6 Month CD · Promotional |
| 7 months | $13.120.45% APY · 7 Month CD · Standard | $26.240.45% APY · 7 Month CD · Standard | $65.590.45% APY · 7 Month CD · Standard | $131.180.45% APY · 7 Month CD · Standard |
| 9 months | $129.323.46% APY · 9 Month CD · Promotional | $258.633.46% APY · 9 Month CD · Promotional | $646.583.46% APY · 9 Month CD · Promotional | $1,293.163.46% APY · 9 Month CD · Promotional |
| 12 months | $22.500.45% APY · 12 Month CD · Standard | $45.000.45% APY · 12 Month CD · Standard | $112.500.45% APY · 12 Month CD · Standard | $225.000.45% APY · 12 Month CD · Standard |
| 13 months | $109.392.02% APY · 13 Month CD · Standard | $218.782.02% APY · 13 Month CD · Standard | $546.962.02% APY · 13 Month CD · Standard | $1,093.922.02% APY · 13 Month CD · Standard |
| 18 months | $131.941.75% APY · 18 Month CD · Standard | $263.891.75% APY · 18 Month CD · Standard | $659.721.75% APY · 18 Month CD · Standard | $1,319.451.75% APY · 18 Month CD · Standard |
| 24 months | $131.861.31% APY · 24 Month CD · Standard | $263.721.31% APY · 24 Month CD · Standard | $659.291.31% APY · 24 Month CD · Standard | $1,318.581.31% APY · 24 Month CD · Standard |
| 30 months | $62.770.50% APY · 30 Month CD · Standard | $125.540.50% APY · 30 Month CD · Standard | $313.850.50% APY · 30 Month CD · Standard | $627.690.50% APY · 30 Month CD · Standard |
| 36 months | $82.950.55% APY · 36 Month CD · Standard | $165.910.55% APY · 36 Month CD · Standard | $414.770.55% APY · 36 Month CD · Standard | $829.550.55% APY · 36 Month CD · Standard |
| 48 months | $110.910.55% APY · 48 Month CD · Standard | $221.820.55% APY · 48 Month CD · Standard | $554.550.55% APY · 48 Month CD · Standard | $1,109.110.55% APY · 48 Month CD · Standard |
| 60 months | $139.020.55% APY · 60 Month CD · Standard | $278.040.55% APY · 60 Month CD · Standard | $695.100.55% APY · 60 Month CD · Standard | $1,390.210.55% APY · 60 Month CD · Standard |
| 61 months | $141.340.55% APY · 61 Month CD · Standard | $282.680.55% APY · 61 Month CD · Standard | $706.690.55% APY · 61 Month CD · Standard | $1,413.380.55% APY · 61 Month CD · Standard |
How MutualOne Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 183-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 149 of 316 tracked institutions with fresh 183-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 |
|---|---|---|---|---|---|
| MutualOne Bank (this institution)6 Month CD · Promotional | 6 months | $500 | Branches in MA | 3.56% | October 22, 2026 |
| TrustCo BankCertificate of Deposit Special · Promotional | 6 months | $500 | Branches in FL, MA, NJ, NY, VT | 4.40% | October 22, 2026 |
| Popular DirectCD · Standard | 6 months | $10,000 | Available nationwide | 4.35% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 6 months | Not stated | Available nationwide | 4.20% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)6-Month Special Certificate · Relationship | 6 months | $100,000 | Membership required · branches in 9 states | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 6 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking MutualOne Bank on October 22, 2026.
About MutualOne Bank
- Legal name
- MutualOne Bank
- Regulator ID
- FDIC 26395
- Headquarters
- Framingham, MA
- Available in
- MA
- Total assets
- $1.2 billion
- Also known as
- Website
- www.mutualone.com
Source: rates read from https://www.mutualone.com/cd-ira-rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at MutualOne Bank?
Among the rates we track, 3.56% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a MutualOne Bank CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $5,000.
How does MutualOne Bank's best CD rate compare with Treasury yields?
3.56% APY is −0.84% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.56% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.39% 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 MutualOne Bank CDs insured?
MutualOne Bank is an FDIC-insured bank (FDIC 26395). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check MutualOne Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from MutualOne Bank's website and may change at any time. Confirm terms, minimums and eligibility with MutualOne Bank before opening an account. This page is not financial advice.