Today’s Rates

CD & IRA Rates

Deposit at least $500 to open these accounts, unless otherwise indicated. You must maintain a minimum balance of $1 (unless otherwise noted) in the account each day to obtain the annual percentage yield. There may be penalties for early withdrawal.

Standard CD & IRA Rates

Account		Rate
Sneakers CD ¹		2.38% APY
91 Day CD / IRA		2.07% APY
18 Month CD / IRA		2.53% APY
1 Year CD / IRA		2.38% APY
2 Year CD / IRA		2.53% APY
3 Year CD / IRA		2.58% APY
3 1/2 Year CD / IRA		2.58% APY
4 Year CD / IRA		2.68% APY
5 Year CD / IRA		2.99% APY
5.5 Year CD		3.02% APY
5.75 Year CD		3.04% APY
6 Month CD / IRA		2.12% APY
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Special CD & IRA Rates

Account		Rate
4 Month CD		3.04% APY
5 Month Savers CD ¹		2.12% APY
1 Year Variable Rate IRA ¹ ²		2.07% APY
15 Month Opportunity CD / IRA		3.04% APY
30 Month Opportunity CD / IRA		2.58% APY
54 Month Opportunity CD / IRA		2.73% APY
The 9 Month No-Penalty CD		2.22% APY
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Laddered CD & IRA Rates

Account		Rate
Laddered CD / IRA - 1 Year Rung		2.53% APY
Laddered CD / IRA - 2 Year Rung		2.68% APY
Laddered CD / IRA - 3 Year Rung		2.73% APY
Laddered CD / IRA - 4 Year Rung		2.89% APY
Laddered CD / IRA - 5 Year Rung		3.25% APY
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Savings Rates

Account		Rate
Sneakers Savings ²		0.05% APY
Regular Savings Account ²		0.05% APY
Super Savings Account ²		0.05% APY
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Checking Rates

Account		Rate
Health Savings ²		0.03% APY
Packard Advantage Checking ² ³		0.07% APY
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Deposit rates effective: January 17, 2025.

1. Indicates $100 minimum deposit required.
2. For variable rate accounts, the rate may change after account opening.
3. The monthly service charge may reduce earnings when balance falls below $1,000 on any day of the month, combined deposit relationship falls below $10,000 or a Bath Savings Trust relationship is not maintained.