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 have limited-time offers for both CDs and IRAs so you can take advantage of great interest rates.
Contact Your Local Branch Today!Annual Percentage Yield (APY) is accurate as of 8/14/2025
IRAs and CDs
| APY | Minimum Balance for APY | Minimum Balance to Open | Interest Rate | |
|---|---|---|---|---|
| 5-Month CD Special | ||||
|
5-Month CD Special
|
3.90% | $0.01 | $500 | 3.83% |
| 9-Month CD Special | ||||
|
9-Month CD Special
|
3.80% | $0.01 | $500 | 3.73% |
| 12-Month CD/IRA Special | ||||
|
12-Month CD/IRA Special
|
3.65% | $0.01 | $500 | 3.59% |
| 18-Month CD/IRA Special | ||||
|
18-Month CD/IRA Special
|
3.65% | $0.01 | $500 | 3.59% |
| CD – 3 Months | ||||
|
CD – 3 Months
|
2.90% | $0.01 | $500 | 2.86% |
| CD – 6 Months | ||||
|
CD – 6 Months
|
2.90% | $0.01 | $500 | 2.86% |
| CD – 9 Months | ||||
|
CD – 9 Months
|
2.65% | $0.01 | $500 | 2.62% |
| CD – 1 Year RGC | ||||
|
CD – 1 Year RGC
Relationship Gold Checking Account required
|
2.45% | $0.01 | $500 | 2.42% |
| CD/IRA – 7 Days | ||||
|
CD/IRA – 7 Days
|
0.05% | $0.01 | $5,000 | 0.05% |
| CD/IRA – 1 Year | ||||
|
CD/IRA – 1 Year
|
2.40% | $0.01 | $500 | 2.37% |
| CD/IRA – 1.5 Years | ||||
|
CD/IRA – 1.5 Years
|
0.25% | $0.01 | $500 | 0.25% |
| IRA – 1 Year | ||||
|
IRA – 1 Year
|
2.50% | $0.01 | $500 | 2.47% |
| CD/IRA – 2 Years | ||||
|
CD/IRA – 2 Years
|
0.35% | $0.01 | $500 | 0.35% |
| CD/IRA – 3 Years | ||||
|
CD/IRA – 3 Years
|
0.40% | $0.01 | $500 | 0.40% |
| CD/IRA – 4 Years | ||||
|
CD/IRA – 4 Years
|
0.45% | $0.01 | $500 | 0.45% |
| CD/IRA – 5 Years | ||||
|
CD/IRA – 5 Years
|
0.55% | $0.01 | $500 | 0.55% |
| IRA 1.5 Years Variable Rate | ||||
|
IRA 1.5 Years Variable Rate
|
0.25% | $0.01 | $25 | 0.25% |
Rates subject to change without notice and penalty may apply for early withdrawal.
APY = Annual Percentage Yield
Fees may reduce earnings on an account.