# Torrington Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/torrington-savings-bank
Institution: The Torrington Savings Bank (FDIC 16636)
Aliases: 
Status: live
Last verified: 2026-10-22T16:25:28.000Z (October 22, 2026)
Official source: https://www.torringtonsavings.bank/certificates-of-deposit/
Coverage: 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.
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 | standard | 3 months | $1,000 | 2.85% | Not ZIP-priced | −1.44% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 5 Month CD | standard | 5 months | $1,000 | 2.90% | Not ZIP-priced | −1.49% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 6 Month CD | standard | 6 months | $1,000 | 2.95% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 7 Month CD – Premium | promotional | 7 months | $10,000 | 4.10% | Not ZIP-priced | −0.33% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 7 Month CD | promotional | 7 months | $1,000 | 4.05% | Not ZIP-priced | −0.38% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 9 Month CD | standard | 9 months | $1,000 | 3.00% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 11 Month CD – Premium | promotional | 11 months | $10,000 | 4.25% | Not ZIP-priced | −0.29% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 11 Month CD | promotional | 11 months | $1,000 | 4.15% | Not ZIP-priced | −0.39% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 12 Month CD | standard | 12 months | $1,000 | 3.10% | Not ZIP-priced | −1.47% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 13 Month CD | standard | 13 months | $1,000 | 0.25% | Not ZIP-priced | −4.35% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 15 Month CD | standard | 15 months | $1,000 | 3.55% | Not ZIP-priced | −1.10% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 18 Month CD | standard | 18 months | $1,000 | 3.40% | Not ZIP-priced | −1.32% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 21 Month Bump Up CD | standard | 21 months | $1,000 | 3.40% | Not ZIP-priced | −1.39% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 24 Month CD | standard | 24 months | $1,000 | 3.50% | Not ZIP-priced | −1.37% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 30 Month CD | standard | 30 months | $1,000 | 3.50% | Not ZIP-priced | −1.41% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 36 Month CD | standard | 36 months | $1,000 | 3.50% | Not ZIP-priced | −1.45% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 48 Month CD | standard | 48 months | $1,000 | 3.50% | Not ZIP-priced | −1.48% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |
| 60 Month CD | standard | 60 months | $1,000 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:25:28.000Z | [Snapshot 409](https://apyledger.com/snapshots/409) |

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.