# Pentucket Bank CD rates

As of October 22, 2026, Pentucket Bank's highest tracked CD rate is 4.25% APY on a 20-month promotional CD ($500 minimum). That is 2.7 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.25% to 3.75% APY.

Canonical page: https://apyledger.com/cd-rates/pentucket-bank
Institution: Pentucket  Bank (FDIC 90208)
Aliases: 
Status: live
Last verified: 2026-10-22T16:24:16.000Z (October 22, 2026)
Official source: https://www.pentucketbank.com/deposit-rates
Coverage: CD specials (5, 10 and 20 months) and standard CDs from 3 to 60 months, each with a $500 minimum; some terms open online and others at a branch. IRA rates are 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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Certificate of Deposit | standard | 3 months | $500 | 3.25% | Not ZIP-priced | −1.04% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| 5 Month Certificate of Deposit Special | promotional | 5 months | $500 | 4.00% | Not ZIP-priced | −0.39% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 6 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 9 months | $500 | 3.25% | Not ZIP-priced | −1.23% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| 10 Month Certificate of Deposit Special | promotional | 10 months | $500 | 4.05% | Not ZIP-priced | −0.46% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 18 months | $500 | 3.25% | Not ZIP-priced | −1.47% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| 20 Month Certificate of Deposit Special | promotional | 20 months | $500 | 4.25% | Not ZIP-priced | −0.52% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 36 months | $500 | 3.25% | Not ZIP-priced | −1.70% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 48 months | $500 | 3.25% | Not ZIP-priced | −1.73% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |
| Certificate of Deposit | standard | 60 months | $500 | 3.25% | Not ZIP-priced | −1.76% | 2026-10-22T16:24:16.000Z | [Snapshot 393](https://apyledger.com/snapshots/393) |

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.