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.
Contact Your Local Branch Today!
Annual Percentage Yield (APY) is accurate as of 11/08/2024
IRAs and CDs
| APY | Minimum Balance for APY | Minimum Balance to Open | Interest Rate | Term | |
|---|---|---|---|---|---|
| 5-Month CD Special | |||||
|
5-Month CD Special
|
4.25% | $0.01 | $500 | 4.16% | 152 days |
| 5-Month CD Special Plus | |||||
|
5-Month CD Special Plus
Requires new money to Mascoma Bank. Checking Account required.
|
4.40% | $0.01 | $500 | 4.31% | 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
|
3.65% | $0.01 | $500 | 3.59% | 365-547 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 – 18 Month Step Up CD/IRA Special One | |||||
|
Product no longer offered for enrollment – 18 Month Step Up CD/IRA Special One
Rate Available to Existing 18 Month Step Up CD/IRA Holders Only
|
2.50% | $0.01 | $1,000 | 2.47% | |
| Product no longer offered for enrollment – 18 Month Step Up CD/IRA Special Two | |||||
|
Product no longer offered for enrollment – 18 Month Step Up CD/IRA Special Two
Rate Available to Existing 18 Month Step Up CD/IRA Holders Only
|
2.75% | $0.01 | $1,000 | 2.71% | |
| 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.