Personal
Deposit Rates

Current certificate of deposit (CD), IRA, savings and checking rates as of December 19, 2024

Personal CD Special Interest Rates

15 Month CD
4.00%APY*
9 Month CD
4.15%APY*
3 Month CD
4.25%APY*
View all Rates

Personal CD Special Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
15 Month Certificate of Deposit
Open 15 Month CD Online		4.003.92$1,000$1,000
9 Month Certificate of Deposit
Open 9 Month CD Online		4.154.07$1,000$1,000
3 Month Certificate of Deposit
Open 3 Month CD Online		4.254.16$1,000$1,000

Personal CD Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
5 Year Certificate of Deposit
Open 5 Year CD Online		3.253.20$1,000$1,000
4 Year Certificate of Deposit
Open 4 Year CD Online		3.253.20$1,000$1,000
3 Year Certificate of Deposit
Open 3 Year CD Online		3.503.44$1,000$1,000
2 Year Certificate of Deposit
Open 2 Year CD Online		3.753.68$1,000$1,000
18 Month Certificate of Deposit
Open 18 Month CD Online		3.753.68$1,000$1,000
15 Month Certificate of Deposit
Open 15 Month CD Online		4.003.92$1,000$1,000
1 Year Certificate of Deposit
Open 1 Year CD Online		4.154.07$1,000$1,000
9 Month Certificate of Deposit
Open 9 Month CD Online		4.154.07$1,000$1,000
6 Month Certificate of Deposit
Open 6 Month CD Online		4.404.31$1,000$1,000
3 Month Certificate of Deposit
Open 3 Month CD Online		4.254.16$1,000$1,000

Personal IRA CD Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
5 Year IRA Certificate of Deposit3.253.20$250$250
4 Year IRA Certificate of Deposit3.253.20$250$250
3 Year IRA Certificate of Deposit3.503.44$250$250
2 Year IRA Certificate of Deposit3.753.68$250$250
18 Month IRA Certificate of Deposit3.753.68$250$250
15 Month IRA Certificate of Deposit4.003.92$250$250
1 Year IRA Certificate of Deposit4.154.07$250$250
9 Month IRA Certificate of Deposit4.154.07$250$250
6 Month IRA Certificate of Deposit 4.404.31$250$250
3 Month IRA Certificate of Deposit4.254.16$250$250

Personal Money Market Interest Rates

ProductAPY (%)Rate (%)Minimum DepositBalance to Obtain APY
Super Saver Money Market**
Open Super Saver Money Market Online		.50.50$250$0-$49,999.99
Super Saver Money Market $50,000+**
Open Super Saver Money Market 50K+ Online		4.003.92$250$50,000+
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 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 DepositMinimum to Obtain APY
Statement Savings
Open Statement Savings Online		.05.05$10$10

Personal Checking Interest Rates

ProductAPY (%)Rate (%)Minimum DepositMinimum to Obtain APY
NB Checking
Open NB 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.
  • All Deposits are fully insured. The Federal Deposit Insurance Corporation (FDIC) insures the first $250,000 of deposits, the Depositors Insurance Fund (DIF) insures all deposits above that amount.
  • For CDs and IRA accounts: a substantial penalty is required if partial or full withdrawal is made before CD or IRA maturity.

**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 Monday Market account may be converted to the standard Money Market Account.