Personal
Deposit Rates

Current certificate of deposit (CD), IRA, savings and checking rates as of January 9, 2026

Featured Interest Rates

6 Month CD
3.90%APY*
9 Month CD
3.90%APY*
View all Rates

Personal CD Special Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
18 Month Certificate of Deposit
Open 18 Month CD Online		3.503.44$1,000$1,000
15 Month Certificate of Deposit
Open 15 Month CD Online		3.603.53$1,000$1,000
9 Month Certificate of Deposit
Open 9 Month CD Online		3.903.83$1,000$1,000

Personal CD Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
5 Year Certificate of Deposit
Open 5 Year CD Online		2.502.47$1,000$1,000
4 Year Certificate of Deposit
Open 4 Year CD Online		2.502.47$1,000$1,000
3 Year Certificate of Deposit
Open 3 Year CD Online		2.502.47$1,000$1,000
2 Year Certificate of Deposit
Open 2 Year CD Online		2.502.47$1,000$1,000
18 Month Certificate of Deposit
Open 18 Month CD Online		3.503.44$1,000$1,000
15 Month Certificate of Deposit
Open 15 Month CD Online		3.603.53$1,000$1,000
1 Year Certificate of Deposit
Open 1 Year CD Online		3.703.63$1,000$1,000
9 Month Certificate of Deposit
Open 9 Month CD Online		3.903.83$1,000$1,000
6 Month Certificate of Deposit
Open 6 Month CD Online		3.903.83$1,000$1,000
3 Month Certificate of Deposit
Open 3 Month CD Online		3.803.73$1,000$1,000

Personal IRA CD Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
5 Year IRA Certificate of Deposit2.502.47$250$250
4 Year IRA Certificate of Deposit2.502.47$250$250
3 Year IRA Certificate of Deposit2.502.47$250$250
2 Year IRA Certificate of Deposit2.502.47$250$250
18 Month IRA Certificate of Deposit3.503.44$250$250
15 Month IRA Certificate of Deposit3.603.53$250$250
1 Year IRA Certificate of Deposit3.703.63$250$250
9 Month IRA Certificate of Deposit3.903.83$250$250
6 Month IRA Certificate of Deposit 3.903.83$250$250
3 Month IRA Certificate of Deposit3.803.73$250$250

Personal Money Market Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositBalance to Obtain APY
Premium Money Market1
Open Online		0.500.50$250$0-$24,999.99
Premium Money Market $25,000.00+1
Open Online		2.502.47$250$25,000.00-$49,999.99
Premium Money Market $50,000.00+1
Open Online		3.503.45$250$50,000+
Premium Money Market
Without Premium Checking
Open Online		0.050.05$250$0+
ProductAPY (%)Rate (%)Minimum Opening DepositBalance to Obtain APY
Super Saver Money Market2
Open Online		0.500.50$250$0-$24,999.99
Super Saver Money Market $25,000+2
Open Online		2.001.98$250$25,000-$49,999.99
Super Saver Money Market $50,000+2
Open Online		3.253.20$250$50,000+
ProductAPY (%)Rate (%)Minimum Opening DepositBalance to Obtain APY
Money Market
Open Money Market Online		.10.10$250$0-$24,999.99
Money Market $25,000+
Open Money Market $25,000+ Online		.15.15$250$25,000-$49,999.99
Money Market $50,000+
Open Money Market $50,000+ Online		.25.25$250$50,000-$99,999.99
Money Market $100,000+
Open Money Market $100,000+ Online		.30.30$250$100,000+

Personal IRA Money Market Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositBalance to Obtain APY
Money Market IRA.10.10$250$0-$24,999.99
Money Market IRA $25,000+.15.15$250$25,000-$49,999.99
Money Market IRA $50,000+.25.25$250$50,000-$99,999.99
Money Market IRA $100,000+.30.30$250$100,000+

Personal Savings Interest Rates

ProductAPY (%)Rate (%)Minimum Opening Deposit
GoalGetter Savings $0-$10,0003
Open Online		4.003.93$10$0
GoalGetter Savings $10,000.01-$1,200,000+3
Open Online		0.05-4.000.05$10$0
GoalGetter Savings $0+3
Without Flex Checking
Open Online		0.050.05$10$0+

The GoalGetter Savings account earns a blended rate based on balance levels. See disclosure for details. 

ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
Statement Savings
Open Statement Savings Online		.05.05$10$10

Personal Checking Interest Rates

ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
Premium Checking
Open Online		0.100.10$10$0.00-$19,999.99
Premium Checking $20,000.00+
Open Online		2.001.98$10$20,000+
ProductAPY (%)Rate (%)Minimum Opening DepositMinimum to Obtain APY
Flex Checking
Open Flex Checking Online		.05.05$10$0
  • Annual Percentage Yield (APY)
  • All interest is credited monthly.
  • Interest on your account will be compounded continuously and credited monthly. If you close your account before the monthly statement cycle date, you will forfeit the uncredited interest.
  • Fees can reduce earnings of an account.
  • Interest rates are subject to change at the discretion of Needham Bank.
  • For CDs and IRA accounts: a substantial penalty is required if partial or full withdrawal is made before CD or IRA maturity.
  1. Premium Checking account required to earn stated APY.
  2. Super Saver Money Market offer is available to new customers only or existing customers who deposit $10,000 or more in new-to-Needham Bank funds. Needham Bank personal checking account required; a minimum opening deposit of at least $10 is required to open an account. Rates subject to change. Personal accounts only. Some restrictions apply. If qualifications are not met within 60 days of account opening, the Super Saver Money Market account may be converted to the standard Money Market Account.
  3. The APY for the GoalGetter Savings Account is 4.00% for balances up to $10,000. For total balances above $10,000, the rate is blended; the first $10,000 will earn 4.00% APY and the remaining balance will earn 0.05% APY. For example, if your GoalGetter Savings account had a daily balance of $15,000, you would earn 4.00% APY for that day on $10,000 and 0.05% APY on the remaining $5,000. Limit one account per tax reporting owner. Needham Bank Flex Checking Account required. Personal accounts only.