Newburyport Five Cents Savings Bank CD Rates — October 2026
As of October 22, 2026, Newburyport Five Cents Savings Bank's highest tracked CD rate is 4.35% APY on a 20-month promotional CD ($500 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 3.75% APY.
Tracking began .
Newburyport Five Cents Savings Bank CD rates
CD specials (5, 10 and 20 months) and standard CDs from 3 to 60 months with a $500 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Certificate of Deposit | $500 | 3.25% | −1.04% | Top 36% of tracked 3-month CDs · Verified October 22, 2026 |
| 5 months | 5 Month Certificate of Deposit Special Promotional | $500 | 4.00% | −0.39% | Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $500 | 3.25% | −1.15% | Top 58% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | Certificate of Deposit | $500 | 3.25% | −1.23% | Top 72% of tracked 9-month CDs · Verified October 22, 2026 |
| 10 months | 10 Month Certificate of Deposit Special Promotional | $500 | 4.05% | −0.46% | Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 3.25% | −1.47% | Top 61% of tracked 18-month CDs · Verified October 22, 2026 |
| 20 months | 20 Month Certificate of Deposit Special Promotional | $500 | 4.35% | −0.42% | Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 3.75% | −1.12% | Top 37% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 3.25% | −1.70% | Top 48% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 3.25% | −1.73% | Top 43% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 3.25% | −1.76% | Top 49% 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 4.35% APY (20 months). The standard rate for a similar term is 3.25% APY (18 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $110 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 Newburyport Five Cents Savings Bank's best CD rates by term?
Newburyport Five Cents Savings Bank's best rate is 4.35% APY on 20 months, verified October 22, 2026.
- 3 mo3.25%
- 5 mo4.00%
- 6 mo3.25%
- 9 mo3.25%
- 10 mo4.05%
- 12 mo3.75%
- 18 mo3.25%
- 20 mo4.35%
- 24 mo3.75%
- 36 mo3.25%
- 48 mo3.25%
- 60 mo3.25%
How much interest could a Newburyport Five Cents Savings 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.
$735.04 interest · $10,735.04 at maturity on $10,000.00.
4.35% APY · 20 months · 20 Month Certificate of Deposit 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 |
|---|---|---|---|---|
| 3 months | $40.033.25% APY · Certificate of Deposit · Standard | $80.063.25% APY · Certificate of Deposit · Standard | $200.143.25% APY · Certificate of Deposit · Standard | $400.293.25% APY · Certificate of Deposit · Standard |
| 5 months | $82.344.00% APY · 5 Month Certificate of Deposit Special · Promotional | $164.674.00% APY · 5 Month Certificate of Deposit Special · Promotional | $411.684.00% APY · 5 Month Certificate of Deposit Special · Promotional | $823.364.00% APY · 5 Month Certificate of Deposit Special · Promotional |
| 6 months | $80.823.25% APY · Certificate of Deposit · Standard | $161.653.25% APY · Certificate of Deposit · Standard | $404.113.25% APY · Certificate of Deposit · Standard | $808.233.25% APY · Certificate of Deposit · Standard |
| 9 months | $121.503.25% APY · Certificate of Deposit · Standard | $243.003.25% APY · Certificate of Deposit · Standard | $607.493.25% APY · Certificate of Deposit · Standard | $1,214.993.25% APY · Certificate of Deposit · Standard |
| 10 months | $168.104.05% APY · 10 Month Certificate of Deposit Special · Promotional | $336.194.05% APY · 10 Month Certificate of Deposit Special · Promotional | $840.484.05% APY · 10 Month Certificate of Deposit Special · Promotional | $1,680.964.05% APY · 10 Month Certificate of Deposit Special · Promotional |
| 12 months | $187.503.75% APY · Certificate of Deposit · Standard | $375.003.75% APY · Certificate of Deposit · Standard | $937.503.75% APY · Certificate of Deposit · Standard | $1,875.003.75% APY · Certificate of Deposit · Standard |
| 18 months | $245.953.25% APY · Certificate of Deposit · Standard | $491.903.25% APY · Certificate of Deposit · Standard | $1,229.753.25% APY · Certificate of Deposit · Standard | $2,459.503.25% APY · Certificate of Deposit · Standard |
| 20 months | $367.524.35% APY · 20 Month Certificate of Deposit Special · Promotional | $735.044.35% APY · 20 Month Certificate of Deposit Special · Promotional | $1,837.614.35% APY · 20 Month Certificate of Deposit Special · Promotional | $3,675.224.35% APY · 20 Month Certificate of Deposit Special · Promotional |
| 24 months | $382.033.75% APY · Certificate of Deposit · Standard | $764.063.75% APY · Certificate of Deposit · Standard | $1,910.163.75% APY · Certificate of Deposit · Standard | $3,820.313.75% APY · Certificate of Deposit · Standard |
| 36 months | $503.523.25% APY · Certificate of Deposit · Standard | $1,007.033.25% APY · Certificate of Deposit · Standard | $2,517.583.25% APY · Certificate of Deposit · Standard | $5,035.153.25% APY · Certificate of Deposit · Standard |
| 48 months | $682.383.25% APY · Certificate of Deposit · Standard | $1,364.763.25% APY · Certificate of Deposit · Standard | $3,411.903.25% APY · Certificate of Deposit · Standard | $6,823.803.25% APY · Certificate of Deposit · Standard |
| 60 months | $867.063.25% APY · Certificate of Deposit · Standard | $1,734.113.25% APY · Certificate of Deposit · Standard | $4,335.283.25% APY · Certificate of Deposit · Standard | $8,670.573.25% APY · Certificate of Deposit · Standard |
How Newburyport Five Cents Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 608-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 3 of 13 tracked institutions with fresh 608-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 |
|---|---|---|---|---|---|
| Newburyport Five Cents Savings Bank (this institution)20 Month Certificate of Deposit Special · Promotional | 20 months | $500 | Branches in MA, NH | 4.35% | October 22, 2026 |
| Pentucket Bank20 Month Certificate of Deposit Special · Promotional | 20 months | $500 | Branches in MA, NH | 4.25% | October 22, 2026 |
| PeoplesBankCD · Promotional | 20 months | $1,000 | Branches in CT, MA | 3.50% | October 22, 2026 |
| Arise FinancialShare Certificate · Standard | 20 months | $500 | Membership required · branches in MA | 2.00% | October 22, 2026 |
| First Bank of the Lake (highest tracked APY for this term)CD · Standard | 20 months | $1,000 | Branches in MO | 4.45% | October 22, 2026 |
| Treasury (APY-equivalent) | 20 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.77% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Newburyport Five Cents Savings Bank on October 22, 2026.
About Newburyport Five Cents Savings Bank
- Legal name
- Newburyport Five Cents Savings Bank
- Regulator ID
- FDIC 90251
- Headquarters
- Newburyport, MA
- Available in
- MA, NH
- Total assets
- $1.6 billion
- Also known as
- Website
- www.newburyportbank.com
Source: rates read from https://www.newburyportbank.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Newburyport Five Cents Savings Bank?
Among the rates we track, 4.35% APY on a 20-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Newburyport Five Cents Savings Bank CD?
The lowest minimum we found is $500.
How does Newburyport Five Cents Savings Bank's best CD rate compare with Treasury yields?
4.35% APY is −0.42% versus the 20-month Treasury yield of 4.77% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.35% a good CD rate?
It is 2.8 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 Newburyport Five Cents Savings Bank CDs insured?
Newburyport Five Cents Savings Bank is an FDIC-insured bank (FDIC 90251). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Newburyport Five Cents Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Newburyport Five Cents Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Newburyport Five Cents Savings Bank before opening an account. This page is not financial advice.