Mascoma Bank has a variety of CDs and IRAs to fit your needs.
Mascoma Bank provides CDs and IRAs starting with a 7-day all the way through to a 5-year CD or IRA. We also offer limited time offers on both our CD and IRA where you can take advantage of great interest rates.
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Annual Percentage Yield (APY) is accurate as of 12/20/2024
IRAs and CDs
| APY | Minimum Balance for APY | Minimum Balance to Open | Interest Rate | Term | |
|---|---|---|---|---|---|
| 5-Month CD Special | |||||
|
5-Month CD Special
|
4.10% | $0.01 | $500 | 4.02% | 152 days |
| 5-Month CD Special Plus | |||||
|
5-Month CD Special Plus
Requires new money to Mascoma Bank. Checking Account required.
|
4.20% | $0.01 | $500 | 4.11% | 152 days |
| 9-Month CD Special | |||||
|
9-Month CD Special
Requires new money to Mascoma Bank
|
4.00% | $0.01 | $500 | 3.92% | 273 days |
| 12-Month CD/IRA Special | |||||
|
12-Month CD/IRA Special
|
3.85% | $0.01 | $500 | 3.78% | 365 days |
| CD – 3 Months | |||||
|
CD – 3 Months
|
0.10% | $0.01 | $500 | 0.10% | 90-181 days |
| CD – 6 Months | |||||
|
CD – 6 Months
|
3.00% | $0.01 | $500 | 2.96% | 182-272 days |
| CD – 9 Months | |||||
|
CD – 9 Months
|
2.75% | $0.01 | $500 | 2.71% | 273-364 days |
| CD – 1 Year RGC | |||||
|
CD – 1 Year RGC
Relationship Gold Checking Account required
|
2.55% | $0.01 | $500 | 2.52% | 365-547 days |
| CD/IRA – 7 Days | |||||
|
CD/IRA – 7 Days
|
0.05% | $0.01 | $5,000 | 0.05% | 7-30 days |
| CD/IRA – 1 Year | |||||
|
CD/IRA – 1 Year
|
2.50% | $0.01 | $500 | 2.47% | 365-547 days |
| CD/IRA – 1.5 Years | |||||
|
CD/IRA – 1.5 Years
|
0.25% | $0.01 | $500 | 0.25% | 548-729 days |
| IRA – 1 Year | |||||
|
IRA – 1 Year
|
2.50% | $0.01 | $500 | 2.47% | 365-547 days |
| CD/IRA – 2 Years | |||||
|
CD/IRA – 2 Years
|
0.35% | $0.01 | $500 | 0.35% | 730-1,094 days |
| CD/IRA – 3 Years | |||||
|
CD/IRA – 3 Years
|
0.40% | $0.01 | $500 | 0.40% | 1,095-1,459 days |
| CD/IRA – 4 Years | |||||
|
CD/IRA – 4 Years
|
0.45% | $0.01 | $500 | 0.45% | 1,460-1,824 days |
| CD/IRA – 5 Years | |||||
|
CD/IRA – 5 Years
|
0.55% | $0.01 | $500 | 0.55% | 1,825+ days |
| IRA 1.5 Years Variable Rate | |||||
|
IRA 1.5 Years Variable Rate
|
0.25% | $0.01 | $25 | 0.25% | 547 days |
| Product no longer offered for enrollment – 5 Year Step Up CD/IRA Special | |||||
|
Product no longer offered for enrollment – 5 Year Step Up CD/IRA Special
Rate Available to Existing 5 Year Step Up CD/IRA Holders Only
|
2.50% | $0.01 | $500 | 2.47% | |
Rates subject to change without notice and penalty may apply for early withdrawal.
APY = Annual Percentage Yield
Fees may reduce earnings on an account.