Torrington Savings Bank CD Rates — October 2026
As of October 22, 2026, Torrington Savings Bank's highest tracked CD rate is 4.25% APY on an 11-month promotional CD ($10,000 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.25% to 3.55% APY.
Tracking began .
Torrington Savings Bank CD rates
Published CD rates from 3 to 60 months ($1,000 minimum), 7- and 11-month Premium CDs ($10,000) and a 21-month Bump Up CD. Early withdrawal penalties may apply.
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 4.25% APY (11 months). The standard rate for a similar term is 3.10% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $115 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 Torrington Savings Bank's best CD rates by term?
Torrington Savings Bank's best rate is 4.25% APY on 11 months, verified October 22, 2026.
- 3 mo2.85%
- 5 mo2.90%
- 6 mo2.95%
- 7 mo4.10%
- 9 mo3.00%
- 11 mo4.25%
- 12 mo3.10%
- 13 mo0.25%
- 15 mo3.55%
- 18 mo3.40%
- 21 mo3.40%
- 24 mo3.50%
- 30 mo3.50%
- 36 mo3.50%
- 48 mo3.50%
- 60 mo3.50%
How much interest could a Torrington 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.
$389.40 interest · $10,389.40 at maturity on $10,000.00.
4.25% APY · 11 months · 11 Month CD – Premium · 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 | $35.152.85% APY · 3 Month CD · Standard | $70.312.85% APY · 3 Month CD · Standard | $175.772.85% APY · 3 Month CD · Standard | $351.542.85% APY · 3 Month CD · Standard |
| 5 months | $59.882.90% APY · 5 Month CD · Standard | $119.762.90% APY · 5 Month CD · Standard | $299.402.90% APY · 5 Month CD · Standard | $598.802.90% APY · 5 Month CD · Standard |
| 6 months | $73.422.95% APY · 6 Month CD · Standard | $146.832.95% APY · 6 Month CD · Standard | $367.082.95% APY · 6 Month CD · Standard | $734.162.95% APY · 6 Month CD · Standard |
| 7 months | $117.194.05% APY · 7 Month CD · Promotional | $237.264.10% APY · 7 Month CD – Premium · Promotional | $593.144.10% APY · 7 Month CD – Premium · Promotional | $1,186.284.10% APY · 7 Month CD – Premium · Promotional |
| 9 months | $112.193.00% APY · 9 Month CD · Standard | $224.373.00% APY · 9 Month CD · Standard | $560.933.00% APY · 9 Month CD · Standard | $1,121.873.00% APY · 9 Month CD · Standard |
| 11 months | $190.134.15% APY · 11 Month CD · Promotional | $389.404.25% APY · 11 Month CD – Premium · Promotional | $973.494.25% APY · 11 Month CD – Premium · Promotional | $1,946.994.25% APY · 11 Month CD – Premium · Promotional |
| 12 months | $155.003.10% APY · 12 Month CD · Standard | $310.003.10% APY · 12 Month CD · Standard | $775.003.10% APY · 12 Month CD · Standard | $1,550.003.10% APY · 12 Month CD · Standard |
| 13 months | $13.530.25% APY · 13 Month CD · Standard | $27.060.25% APY · 13 Month CD · Standard | $67.640.25% APY · 13 Month CD · Standard | $135.290.25% APY · 13 Month CD · Standard |
| 15 months | $222.733.55% APY · 15 Month CD · Standard | $445.453.55% APY · 15 Month CD · Standard | $1,113.633.55% APY · 15 Month CD · Standard | $2,227.263.55% APY · 15 Month CD · Standard |
| 18 months | $257.403.40% APY · 18 Month CD · Standard | $514.793.40% APY · 18 Month CD · Standard | $1,286.983.40% APY · 18 Month CD · Standard | $2,573.963.40% APY · 18 Month CD · Standard |
| 21 months | $301.403.40% APY · 21 Month Bump Up CD · Standard | $602.813.40% APY · 21 Month Bump Up CD · Standard | $1,507.023.40% APY · 21 Month Bump Up CD · Standard | $3,014.043.40% APY · 21 Month Bump Up CD · Standard |
| 24 months | $356.123.50% APY · 24 Month CD · Standard | $712.253.50% APY · 24 Month CD · Standard | $1,780.623.50% APY · 24 Month CD · Standard | $3,561.253.50% APY · 24 Month CD · Standard |
| 30 months | $449.313.50% APY · 30 Month CD · Standard | $898.623.50% APY · 30 Month CD · Standard | $2,246.543.50% APY · 30 Month CD · Standard | $4,493.083.50% APY · 30 Month CD · Standard |
| 36 months | $543.593.50% APY · 36 Month CD · Standard | $1,087.183.50% APY · 36 Month CD · Standard | $2,717.953.50% APY · 36 Month CD · Standard | $5,435.893.50% APY · 36 Month CD · Standard |
| 48 months | $737.623.50% APY · 48 Month CD · Standard | $1,475.233.50% APY · 48 Month CD · Standard | $3,688.083.50% APY · 48 Month CD · Standard | $7,376.153.50% APY · 48 Month CD · Standard |
| 60 months | $938.433.50% APY · 60 Month CD · Standard | $1,876.863.50% APY · 60 Month CD · Standard | $4,692.163.50% APY · 60 Month CD · Standard | $9,384.323.50% APY · 60 Month CD · Standard |
How Torrington 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 335-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 5 of 40 tracked institutions with fresh 335-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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Torrington Savings Bank (this institution)11 Month CD – Premium · Promotional | 11 months | $10,000 | Coverage: CT | 4.25% | October 22, 2026 |
| Capital One360 CD · Promotional | 11 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| Webster BankPrivate 11 Month · Promotional | 11 months | $500 | Coverage: CT, DE, FL, MA, NH, NJ, NY, PA, RI | 4.25% | October 22, 2026 |
| Northwest Community BankTime Deposit & IRA · Standard | 11 months | $500 | Coverage: CT | 4.10% | October 22, 2026 |
| Happen Bank (highest tracked APY for this term)CD · Promotional | 11 months | $500 | Coverage: CA, UT | 4.65% | October 22, 2026 |
| Treasury (APY-equivalent) | 11 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.54% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Torrington Savings Bank on October 22, 2026.
About Torrington Savings Bank
- Legal name
- The Torrington Savings Bank
- Regulator ID
- FDIC 16636
- Headquarters
- Torrington, CT
- Available in
- CT
- Total assets
- $1.0 billion
- Also known as
- Website
- www.torringtonsavings.bank
Source: rates read from https://www.torringtonsavings.bank/certificates-of-deposit/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Torrington Savings Bank?
Among the rates we track, 4.25% APY on an 11-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Torrington Savings Bank CD?
The lowest minimum we found is $1,000; jumbo and higher balance tiers start at up to $10,000.
How does Torrington Savings Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.29% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% 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 Torrington Savings Bank CDs insured?
Torrington Savings Bank is an FDIC-insured bank (FDIC 16636). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Torrington 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 Torrington Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Torrington Savings Bank before opening an account. This page is not financial advice.