Click Here to Check Out All of Needham Bank's Deposit Rates 3 Month Certificate Minimum balance of $2,500.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 3 months 6 Month Certificate Minimum balance of $2,500.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 3 months 18 month FEATURED Certificate Minimum balance of $2,500.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 3 months 1 Year Certificate Minimum balance of $1,000.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 3 months 2 Year Certificate Minimum balance of $1,000.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 6 months 3 Year "Kick-It-Up" Certificate Minimum balance of $1,000.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 6 months The “Kick-It-Up” feature guarantees that if a higher APY becomes available on the new 3 Year CD during the term of the CD, you may elect in writing (One Time Only) to increase the rate to a higher APY with no penalty.  If you choose to do so, the CD will be renewed for 3 years at the higher APY.  Additional deposit of $500.00 or more can be made during the “kick-it-up” request. 5 Year "Kick-It-Up" Certificate Minimum balance of $1,000.00 to open and earn Annual Percentage Yield (APY) Penalty for early withdrawal 6 months The “Kick-It-Up” feature guarantees that if a higher APY becomes available on the new 5 Year CD during the term of the CD, you may elect in writing (One Time Only) to increase the rate to a higher APY with no penalty.  If you choose to do so, the CD will be renewed for 5 years at the higher APY.  Additional deposit of $500.00 or more can be made during the “kick-it-up” request. 6 Month IRA certificate Minimum balance of $250.00 to open and earn Annual Percentage Yield (APY) Additional contributions allowed to existing certificate Penalty for early withdrawal 3 months 1 Year IRA Certificate Minimum balance of $250.00 to open and earn Annual Percentage Yield (APY) Additional contributions allowed to existing certificate Penalty for early withdrawal 3 months 2 Year IRA Certificate Minimum balance $250.00 to open and earn Annual Percentage Yield (APY) Additional contributions allowed to existing certificate Penalty for early withdrawal 6 months 3 year IRA Certificate Minimum balance $250.00 to open and earn Annual Percentage Yield (APY) Additional contributions allowed to existing certificate Penalty for early withdrawal 6 months The "Kick-It-Up" feature guarantees that if a higher APY becomes available on the new 3 Year IRA CD during the term of the IRA CD, you may elect in writing (One Time Only) to increase the rate to a higher APY with no penalty. If you choose to do so, the CD will be renewed for 3 year at the higher APY. Additional deposit of $250.00 or more can be made during the "Kick-It-Up" request providing you have not met your yearly contribution limit. 5 year IRA Certificate Minimum balance $250.00 to open and earn Annual Percentage Yield (APY) Additional contributions allowed to existing certificate Penalty for early withdrawal 6 months The "Kick-It-Up" feature guarantees that if a higher APY becomes available on the new 5 Year IRA CD during the term of the IRA CD, you may elect in writing (One Time Only) to increase the rate to a higher APY with no penalty. If you choose to do so, the CD will be renewed for 5 year at the higher APY. Additional deposit of $250.00 or more can be made during the "Kick-It-Up" request providing you have not met your yearly contribution limit. Click Here to Check Out All of Needham Bank's Deposit Rates For further information call (781) 444-2100 ALL DEPOSITS ARE INSURED IN FULL