# Newtown Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/newtown-savings-bank
Institution: Newtown Savings Bank (FDIC 18199)
Aliases: 
Status: live
Last verified: 2026-10-22T16:23:47.000Z (October 22, 2026)
Official source: https://www.nsbonline.com/personal/save-and-spend/savings-iras-cds
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 3 Month CD & IRA | standard | 3 months | $500 | 0.15% | Not ZIP-priced | −4.14% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 6 Month CD & IRA | standard | 6 months | $500 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 1 Year CD & IRA | standard | 12 months | $500 | 3.00% | Not ZIP-priced | −1.57% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 15 Month CD & IRA | standard | 15 months | $500 | 1.50% | Not ZIP-priced | −3.15% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 18 Month CD & IRA | standard | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 2 Year CD & IRA | standard | 24 months | $500 | 0.50% | Not ZIP-priced | −4.37% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 3 Year CD & IRA | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 4 Year CD & IRA | standard | 48 months | $500 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |
| 5 Year CD & IRA | standard | 60 months | $500 | 0.50% | Not ZIP-priced | −4.51% | 2026-10-22T16:23:47.000Z | [Snapshot 388](https://apyledger.com/snapshots/388) |

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.