# The Village Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/village-bank-massachusetts
Institution: The Village Bank (FDIC 26336)
Aliases: 
Status: live
Last verified: 2026-10-22T16:26:06.000Z (October 22, 2026)
Official source: https://www.village-bank.com/rates-cds-iras/
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 12 months | $500 | 3.75% | Not ZIP-priced | −0.82% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 15 months | $500 | 4.50% | Not ZIP-priced | −0.15% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 18 months | $500 | 3.75% | Not ZIP-priced | −0.97% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 24 months | $500 | 3.75% | Not ZIP-priced | −1.12% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 30 months | $500 | 3.75% | Not ZIP-priced | −1.16% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 36 months | $500 | 3.75% | Not ZIP-priced | −1.20% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |
| CD | standard | 60 months | $500 | 3.50% | Not ZIP-priced | −1.51% | 2026-10-22T16:26:06.000Z | [Snapshot 425](https://apyledger.com/snapshots/425) |

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.