APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
Lines containing rates, copied from the public page below; open that page for full terms. Never enter account details on apyledger.com.

Source: https://mascoma.bank/personal-banking/deposit-accounts/cds-and-iras/
Read: 2026-10-22T16:23:24.000Z

APY | Minimum Balance for APY | Minimum Balance to Open | Interest Rate
5-Month CD Special | 3.55% | $0.01 | $500 | 3.49%
9-Month CD Special | 3.65% | $0.01 | $500 | 3.59%
12-Month CD/IRA Special | 4.00% | $0.01 | $500 | 3.92%
18-Month CD/IRA Special | 3.85% | $0.01 | $500 | 3.78%
CD – 3 Months | 2.50% | $0.01 | $500 | 2.47%
CD – 6 Months | 2.40% | $0.01 | $500 | 2.37%
CD – 9 Months | 2.30% | $0.01 | $500 | 2.27%
CD – 1 Year RGC Relationship Gold Checking Account required | 2.20% | $0.01 | $500 | 2.18%
CD/IRA – 7 Days | 0.05% | $0.01 | $5,000 | 0.05%
CD/IRA – 1 Year | 2.15% | $0.01 | $500 | 2.13%
CD/IRA – 1.5 Years | 0.25% | $0.01 | $500 | 0.25%
CD/IRA – 2 Years | 0.35% | $0.01 | $500 | 0.35%
CD/IRA – 3 Years | 0.40% | $0.01 | $500 | 0.40%
CD/IRA – 4 Years | 0.45% | $0.01 | $500 | 0.45%
CD/IRA – 5 Years | 0.55% | $0.01 | $500 | 0.55%
IRA 1.5 Years Variable Rate | 0.25% | $0.01 | $25 | 0.25%
Annual Percentage Yield (APY) is accurate as of 9/18/2026
APY = Annual Percentage Yield