The Village Bank CD Rates — October 2026
As of October 22, 2026, The Village Bank's highest tracked CD rate is 4.50% APY on a 15-month CD ($500 minimum). That is 2.6 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 3.50% to 4.50% APY.
Tracking began .
The Village Bank CD rates
Published personal CD rates from 91 days to 5 years, including 7- and 15-month offers. A $20 balance is required to earn the APY; see the source for minimum opening deposits. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 12 months | CD | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 15 months | CD | 4.50%Verified October 22, 2026 |
| 18 months | CD | 3.75%Top 47% · $10k reference sampleVerified October 22, 2026 |
| 24 months | CD | 3.75%Top 40% · $10k reference sampleVerified October 22, 2026 |
| 30 months | CD | 3.75%Verified October 22, 2026 |
| 36 months | CD | 3.75%Top 34% · $10k reference sampleVerified October 22, 2026 |
| 60 months | CD | 3.50%Top 44% · $10k reference sampleVerified October 22, 2026 |
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 The Village Bank's best CD rates by term?
The Village Bank's best rate is 4.50% APY on 15 months, verified October 22, 2026.
- 12 mo3.75%
- 15 mo4.50%
- 18 mo3.75%
- 24 mo3.75%
- 30 mo3.75%
- 36 mo3.75%
- 60 mo3.50%
How much interest could a The Village 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.
$565.31 interest · $10,565.31 at maturity on $10,000.00.
4.50% APY · 15 months · CD · 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 |
|---|---|---|---|---|
| 12 months | $187.503.75% APY · CD · Standard | $375.003.75% APY · CD · Standard | $937.503.75% APY · CD · Standard | $1,875.003.75% APY · CD · Standard |
| 15 months | $282.664.50% APY · CD · Standard | $565.314.50% APY · CD · Standard | $1,413.284.50% APY · CD · Standard | $2,826.554.50% APY · CD · Standard |
| 18 months | $284.143.75% APY · CD · Standard | $568.273.75% APY · CD · Standard | $1,420.683.75% APY · CD · Standard | $2,841.373.75% APY · CD · Standard |
| 24 months | $382.033.75% APY · CD · Standard | $764.063.75% APY · CD · Standard | $1,910.163.75% APY · CD · Standard | $3,820.313.75% APY · CD · Standard |
| 30 months | $482.293.75% APY · CD · Standard | $964.583.75% APY · CD · Standard | $2,411.463.75% APY · CD · Standard | $4,822.923.75% APY · CD · Standard |
| 36 months | $583.863.75% APY · CD · Standard | $1,167.713.75% APY · CD · Standard | $2,919.293.75% APY · CD · Standard | $5,838.573.75% APY · CD · Standard |
| 60 months | $938.433.50% APY · CD · Standard | $1,876.863.50% APY · CD · Standard | $4,692.163.50% APY · CD · Standard | $9,384.323.50% APY · CD · Standard |
How The Village Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 456-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 51 tracked institutions with fresh 456-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 |
|---|---|---|---|---|---|
| The Village Bank (this institution)CD · Standard | 15 months | $500 | Coverage: MA | 4.50% | October 22, 2026 |
| Sallie Mae BankCertificate of Deposit (CD) · Standard | 15 months | $2,500 | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Metro Credit Union (Massachusetts)New Money CD · Special | 15 months | $500 | Coverage: MA | 4.40% | October 22, 2026 |
| Synchrony BankCD · Standard | 15 months | Not stated | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 15 months | $5,000 | Coverage: WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 15 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.65% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking The Village Bank on October 22, 2026.
About The Village Bank
- Legal name
- The Village Bank
- Regulator ID
- FDIC 26336
- Headquarters
- Newton, MA
- Available in
- MA
- Total assets
- $2.1 billion
- Also known as
- Website
- www.village-bank.com
Source: rates read from https://www.village-bank.com/rates-cds-iras/. See the page text we read.
Frequently asked questions
What is the highest CD rate at The Village Bank?
Among the rates we track, 4.50% APY on a 15-month CD, as of October 22, 2026.
What is the minimum deposit for a The Village Bank CD?
The lowest minimum we found is $500.
How does The Village Bank's best CD rate compare with Treasury yields?
4.50% APY is −0.15% versus the 15-month Treasury yield of 4.65% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.6 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 The Village Bank CDs insured?
The Village Bank is an FDIC-insured bank (FDIC 26336). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check The Village Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from The Village Bank's website and may change at any time. Confirm terms, minimums and eligibility with The Village Bank before opening an account. This page is not financial advice.