TruNorth Bank CD Rates — October 2026
As of October 22, 2026, TruNorth Bank's highest tracked CD rate is 4.05% APY on a 19-month CD ($1,000 minimum). That is 2.6 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 1.55% to 4.05% APY.
Tracking began .
TruNorth Bank CD rates
Published CD rates from 3 to 60 months, with a $1,000 minimum opening deposit; interest compounds monthly. IRAs are not available through online account opening. 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.
What are TruNorth Bank's best CD rates by term?
TruNorth Bank's best rate is 4.05% APY on 19 months, verified October 22, 2026.
- 3 mo1.55%
- 6 mo2.55%
- 7 mo3.85%
- 9 mo2.60%
- 11 mo3.90%
- 12 mo2.65%
- 15 mo3.95%
- 18 mo2.65%
- 19 mo4.05%
- 24 mo2.50%
- 36 mo2.45%
- 48 mo2.40%
- 60 mo2.30%
How much interest could a TruNorth 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.
$648.88 interest · $10,648.88 at maturity on $10,000.00.
4.05% APY · 19 months · Certificate of Deposit · Standard · 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 | $19.211.55% APY · Certificate of Deposit · Standard | $38.421.55% APY · Certificate of Deposit · Standard | $96.051.55% APY · Certificate of Deposit · Standard | $192.111.55% APY · Certificate of Deposit · Standard |
| 6 months | $63.522.55% APY · Certificate of Deposit · Standard | $127.052.55% APY · Certificate of Deposit · Standard | $317.622.55% APY · Certificate of Deposit · Standard | $635.232.55% APY · Certificate of Deposit · Standard |
| 7 months | $111.453.85% APY · Certificate of Deposit · Standard | $222.903.85% APY · Certificate of Deposit · Standard | $557.263.85% APY · Certificate of Deposit · Standard | $1,114.513.85% APY · Certificate of Deposit · Standard |
| 9 months | $97.282.60% APY · Certificate of Deposit · Standard | $194.552.60% APY · Certificate of Deposit · Standard | $486.382.60% APY · Certificate of Deposit · Standard | $972.762.60% APY · Certificate of Deposit · Standard |
| 11 months | $178.693.90% APY · Certificate of Deposit · Standard | $357.383.90% APY · Certificate of Deposit · Standard | $893.453.90% APY · Certificate of Deposit · Standard | $1,786.903.90% APY · Certificate of Deposit · Standard |
| 12 months | $132.502.65% APY · Certificate of Deposit · Standard | $265.002.65% APY · Certificate of Deposit · Standard | $662.502.65% APY · Certificate of Deposit · Standard | $1,325.002.65% APY · Certificate of Deposit · Standard |
| 15 months | $247.943.95% APY · Certificate of Deposit · Standard | $495.893.95% APY · Certificate of Deposit · Standard | $1,239.713.95% APY · Certificate of Deposit · Standard | $2,479.433.95% APY · Certificate of Deposit · Standard |
| 18 months | $200.252.65% APY · Certificate of Deposit · Standard | $400.492.65% APY · Certificate of Deposit · Standard | $1,001.242.65% APY · Certificate of Deposit · Standard | $2,002.472.65% APY · Certificate of Deposit · Standard |
| 19 months | $324.444.05% APY · Certificate of Deposit · Standard | $648.884.05% APY · Certificate of Deposit · Standard | $1,622.204.05% APY · Certificate of Deposit · Standard | $3,244.404.05% APY · Certificate of Deposit · Standard |
| 24 months | $253.132.50% APY · Certificate of Deposit · Standard | $506.252.50% APY · Certificate of Deposit · Standard | $1,265.622.50% APY · Certificate of Deposit · Standard | $2,531.252.50% APY · Certificate of Deposit · Standard |
| 36 months | $376.582.45% APY · Certificate of Deposit · Standard | $753.152.45% APY · Certificate of Deposit · Standard | $1,882.892.45% APY · Certificate of Deposit · Standard | $3,765.772.45% APY · Certificate of Deposit · Standard |
| 48 months | $497.562.40% APY · Certificate of Deposit · Standard | $995.122.40% APY · Certificate of Deposit · Standard | $2,487.792.40% APY · Certificate of Deposit · Standard | $4,975.582.40% APY · Certificate of Deposit · Standard |
| 60 months | $602.072.30% APY · Certificate of Deposit · Standard | $1,204.132.30% APY · Certificate of Deposit · Standard | $3,010.332.30% APY · Certificate of Deposit · Standard | $6,020.652.30% APY · Certificate of Deposit · Standard |
How TruNorth Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 578-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 7 of 15 tracked institutions with fresh 578-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 |
|---|---|---|---|---|---|
| TruNorth Bank (this institution)Certificate of Deposit · Standard | 19 months | $1,000 | Coverage: CT, MA, NH | 4.05% | October 22, 2026 |
| Synchrony BankCD · Standard | 19 months | Not stated | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Cambridge Savings Bank19 Month Special · Promotional | 19 months | $1,000 | Coverage: MA | 4.00% | October 22, 2026 |
| Florida Credit Union (highest tracked APY for this term)19 month CD & IRA CD Special · Promotional | 19 months | $1,000 | Coverage: FL | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 19 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.74% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking TruNorth Bank on October 22, 2026.
About TruNorth Bank
- Legal name
- TruNorth Bank
- Regulator ID
- FDIC 90188
- Headquarters
- Easthampton, MA
- Available in
- CT, MA, NH
- Total assets
- $2.0 billion
- Also known as
- Website
- www.bankesb.com
Source: rates read from https://trunorthbank.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at TruNorth Bank?
Among the rates we track, 4.05% APY on a 19-month CD, as of October 22, 2026.
What is the minimum deposit for a TruNorth Bank CD?
The lowest minimum we found is $1,000.
How does TruNorth Bank's best CD rate compare with Treasury yields?
4.05% APY is −0.69% versus the 19-month Treasury yield of 4.74% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.05% a good CD rate?
It is 2.6 times the FDIC national average for a similar term (1.55% 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 TruNorth Bank CDs insured?
TruNorth Bank is an FDIC-insured bank (FDIC 90188). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check TruNorth Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from TruNorth Bank's website and may change at any time. Confirm terms, minimums and eligibility with TruNorth Bank before opening an account. This page is not financial advice.