# Salem Five Bank CD rates

As of October 22, 2026, Salem Five Bank's highest tracked CD rate is 4.36% APY on an 18-month special CD ($10,000 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%).

Canonical page: https://apyledger.com/cd-rates/salem-five-bank
Institution: Salem Five Cents Savings Bank (FDIC 23296)
Aliases: Salem Five Cents Savings Bank, Salem Five
Status: live
Last verified: 2026-10-23T01:50:38.000Z (October 22, 2026)
Official source: https://www.salemfive.com/personal/accounts/disclosures/special-cd-of-one-year-or-greater/
Coverage: Special CDs with terms of one year or longer only (12 to 60 months), from the bank's account disclosure; $10,000 is required to open and must be maintained. Special CDs renew into standard terms. Shorter specials and standard CD rates are not included.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 12 Month Special CD | special | 12 months | $10,000 | 4.00% | Not ZIP-priced | −0.57% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 15 Month Special CD | special | 15 months | $10,000 | 4.25% | Not ZIP-priced | −0.40% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 18 Month Special CD | special | 18 months | $10,000 | 4.36% | Not ZIP-priced | −0.36% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 24 Month Special CD | special | 24 months | $10,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 30 Month Special CD | special | 30 months | $10,000 | 2.00% | Not ZIP-priced | −2.91% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 36 Month Special CD | special | 36 months | $10,000 | 2.00% | Not ZIP-priced | −2.95% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 48 Month Special CD | special | 48 months | $10,000 | 2.25% | Not ZIP-priced | −2.73% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |
| 60 Month Special CD | special | 60 months | $10,000 | 2.25% | Not ZIP-priced | −2.76% | 2026-10-23T01:50:38.000Z | [Snapshot 751](https://apyledger.com/snapshots/751) |

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.