Newtown Savings Bank CD Rates — October 2026

As of October 22, 2026, Newtown Savings Bank's highest tracked CD rate is 3.75% APY on an 18-month CD ($500 minimum). That is 2.4 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 0.15% to 3.75% APY.

Last verified October 22, 2026 from www.nsbonline.com · FDIC-insured bank · Newtown, CT

Tracking began October 22, 2026.

Best APY3.75%18 months, $500 min

vs. Treasury−0.97%same-term Treasury 4.72%

vs. national average2.4×FDIC national average 1.55%

After inflation0.01%CPI 3.7% year over year

$10,000 earns$568over 18 months, before tax

Newtown Savings Bank CD rates

Published CD rates (also available as IRAs) from 3 months to 5 years, including 6-month and 1-year offers. A $500 minimum deposit is required to open and earn the APY; early withdrawal penalties are listed by term.

Newtown Savings Bank CD rates
Term	Product	Minimum	APY	vs. Treasury
3 months	3 Month CD & IRA	$500	0.15%Top 91% · $10k reference sampleVerified October 22, 2026	−4.14%
6 months	6 Month CD & IRA	$500	3.00%Top 69% · $10k reference sampleVerified October 22, 2026	−1.40%
12 months	1 Year CD & IRA	$500	3.00%Top 75% · $10k reference sampleVerified October 22, 2026	−1.57%
15 months	15 Month CD & IRA	$500	1.50%Verified October 22, 2026	−3.15%
18 months	18 Month CD & IRA	$500	3.75%Top 47% · $10k reference sampleVerified October 22, 2026	−0.97%
24 months	2 Year CD & IRA	$500	0.50%Top 92% · $10k reference sampleVerified October 22, 2026	−4.37%
36 months	3 Year CD & IRA	$500	3.75%Top 34% · $10k reference sampleVerified October 22, 2026	−1.20%
48 months	4 Year CD & IRA	$500	3.50%Top 42% · $10k reference sampleVerified October 22, 2026	−1.48%
60 months	5 Year CD & IRA	$500	0.50%Top 94% · $10k reference sampleVerified October 22, 2026	−4.51%

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.

What are Newtown Savings Bank's best CD rates by term?

Newtown Savings Bank's best rate is 3.75% APY on 18 months, verified October 22, 2026.

3 mo0.15%
6 mo3.00%
12 mo3.00%
15 mo1.50%
18 mo3.75%
24 mo0.50%
36 mo3.75%
48 mo3.50%
60 mo0.50%

Calculate earnings at 3.75% for 18 months

How much interest could a Newtown 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.

$568.27 interest · $10,568.27 at maturity on $10,000.00.

3.75% APY · 18 months · 18 Month CD & IRA · Standard · verified October 22, 2026.

Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.

Add a CD maturity reminder

Estimated CD interest at maturity — conditional on quoted APY eligibility
Term	$5,000	$10,000	$25,000	$50,000
3 months	$1.870.15% APY · 3 Month CD & IRA · Standard	$3.740.15% APY · 3 Month CD & IRA · Standard	$9.340.15% APY · 3 Month CD & IRA · Standard	$18.690.15% APY · 3 Month CD & IRA · Standard
6 months	$74.653.00% APY · 6 Month CD & IRA · Standard	$149.303.00% APY · 6 Month CD & IRA · Standard	$373.263.00% APY · 6 Month CD & IRA · Standard	$746.513.00% APY · 6 Month CD & IRA · Standard
12 months	$150.003.00% APY · 1 Year CD & IRA · Standard	$300.003.00% APY · 1 Year CD & IRA · Standard	$750.003.00% APY · 1 Year CD & IRA · Standard	$1,500.003.00% APY · 1 Year CD & IRA · Standard
15 months	$93.871.50% APY · 15 Month CD & IRA · Standard	$187.751.50% APY · 15 Month CD & IRA · Standard	$469.371.50% APY · 15 Month CD & IRA · Standard	$938.731.50% APY · 15 Month CD & IRA · Standard
18 months	$284.143.75% APY · 18 Month CD & IRA · Standard	$568.273.75% APY · 18 Month CD & IRA · Standard	$1,420.683.75% APY · 18 Month CD & IRA · Standard	$2,841.373.75% APY · 18 Month CD & IRA · Standard
24 months	$50.120.50% APY · 2 Year CD & IRA · Standard	$100.250.50% APY · 2 Year CD & IRA · Standard	$250.620.50% APY · 2 Year CD & IRA · Standard	$501.250.50% APY · 2 Year CD & IRA · Standard
36 months	$583.863.75% APY · 3 Year CD & IRA · Standard	$1,167.713.75% APY · 3 Year CD & IRA · Standard	$2,919.293.75% APY · 3 Year CD & IRA · Standard	$5,838.573.75% APY · 3 Year CD & IRA · Standard
48 months	$737.623.50% APY · 4 Year CD & IRA · Standard	$1,475.233.50% APY · 4 Year CD & IRA · Standard	$3,688.083.50% APY · 4 Year CD & IRA · Standard	$7,376.153.50% APY · 4 Year CD & IRA · Standard
60 months	$126.260.50% APY · 5 Year CD & IRA · Standard	$252.510.50% APY · 5 Year CD & IRA · Standard	$631.280.50% APY · 5 Year CD & IRA · Standard	$1,262.560.50% APY · 5 Year CD & IRA · Standard

How Newtown 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 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.

This quote ranks 88 of 192 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.

Newtown Savings Bank CD rate comparison
Institution / benchmark	Term	Minimum	Quote coverage	APY	Verified / source date
Newtown Savings Bank (this institution)18 Month CD & IRA · Standard	18 months	$500	Coverage: CT	3.75%	October 22, 2026
Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard	18 months	$10,000	Nationwide; check eligibility	4.75%	October 22, 2026
E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard	18 months	Not stated	Nationwide; check eligibility	4.55%	October 22, 2026
Barclays18 Month CD · Standard	18 months	Not stated	Nationwide; check eligibility	4.50%	October 22, 2026
Treasury (APY-equivalent)	18 months (term-matched estimate)	Depends on purchase method	Federal; interest exempt from state income tax	4.72%	2026-10-21

Rate changes

See changes across all tracked institutions

No changes since we started tracking Newtown Savings Bank on October 22, 2026.

About Newtown Savings Bank

Legal name: Newtown Savings Bank
Regulator ID: FDIC 18199
Headquarters: Newtown, CT
Available in: CT
Total assets: $1.9 billion
Also known as
Website: www.nsbonline.com

Source: rates read from https://www.nsbonline.com/personal/save-and-spend/savings-iras-cds. See the page text we read.

Frequently asked questions

What is the highest CD rate at Newtown Savings Bank?

Among the rates we track, 3.75% APY on an 18-month CD, as of October 22, 2026.

What is the minimum deposit for a Newtown Savings Bank CD?

The lowest minimum we found is $500.

How does Newtown Savings Bank's best CD rate compare with Treasury yields?

3.75% APY is −0.97% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 3.75% a good CD rate?

It is 2.4 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 Newtown Savings Bank CDs insured?

Newtown Savings Bank is an FDIC-insured bank (FDIC 18199). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Newtown 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 Newtown Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Newtown Savings Bank before opening an account. This page is not financial advice.