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Personal CD & IRA

Some money is meant to grow.

CDs lock in a fixed rate for a set term, so part of your savings can earn more while it waits.

Open a CD

Extended FDIC Insurance Available.1 Consumer accounts are available to Maine and New Hampshire residents only.

The right place for money with a longer timeline.

Not every dollar has the same purpose.

The money you use every week belongs somewhere different than the money you're setting aside for a future goal. 
When you know a portion of your savings can remain untouched for a period of time, a CD can help it earn more while providing the certainty of a fixed rate.

RATES & TERMS

Current CD Rates

Choose the term that fits your timeline. Every Northeast Bank CD offers a fixed rate for the full term and requires a $5,000 minimum opening deposit.

TERM

Interest Rate

APY2

6 Month

3.928%

4.00%

1 Year

4.025%

4.10%

2 Year

3.203%

3.25%

2 Certificates of Deposit (CDs): Annual Percentage Yields (APYs) are effective as of 9/15/2026. The advertised CD terms require a $5,000 minimum deposit to open. Opening deposit must be new money. New money is defined as money that is not on deposit with Northeast Bank. A minimum daily balance of $0.01 is required to earn the stated APYs. Early withdrawal penalties may apply. Fees could reduce earnings on the account, see our Schedule of Fees. Offer may be withdrawn at any time. Consumer accounts are available to Maine and New Hampshire residents only. 

Open a CD
RATES & TERMS

Propel Relationship CD Rates

Propel Relationship CD rates are available to customers with a qualifying Propel Premier Checking and Propel Preferred Savings accounts. 
Eligible CDs earn an additional 0.15% APY.3

TERM

Interest Rate

APY3

6 Month

4.066%

4.15%

1 Year

4.162%

4.25%

2 Year

3.344%

3.40%

3 Propel Relationship CDs: Annual Percentage Yields (APYs) are effective as of 9/15/2026; the Propel Relationship CDs include an additional 0.15% APY and are only available when customer opens or already has a Propel Premier Checking Account and Propel Preferred Savings Account. The advertised CD terms require a $5,000 minimum deposit to open. Opening deposit must be new money. New money is defined as money that is not on deposit with Northeast Bank. A minimum daily balance of $0.01 is required to earn the stated APYs. This offer applies only to eligible Propel Relationship CD terms designated by Northeast Bank and may not be combined with other promotional offers unless specifically stated otherwise. See account disclosures for details. Early withdrawal penalties may apply. Fees could reduce earnings on the account, see our Schedule of Fees. Offer may be withdrawn at any time. Consumer accounts are available to Maine and New Hampshire residents only. Propel Relationship CDs must be opened in a banking center.

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The Takeaway

Money has different timelines. Your accounts should reflect that.

Checking is built for access. Savings is built for flexibility.
CDs are built for money that can stay put awhile.
When each account has a clear role, it's easier to decide where your money belongs.

Built around how money is actually used.

When each account has a role, it's easier to know where every dollar belongs.
Know Your Rate
Your rate is fixed for the entire term.
Choose Your Timeline
Select the term that aligns with your plans.
Retirement Ready
IRA-eligible CDs available in Traditional, Roth, and SEP. Must be opened in person at a Banking Center.
Open Online
Start your account in minutes from anywhere.

Give money time to grow.

Open a CD

Extended FDIC insurance available.1

NOT SURE WHERE EACH DOLLAR BELONGS?

Talk it through with someone local.

Different dollars belong in different places. If you want a second set of eyes on yours, talk it through with someone local.

Call Us
Find a Banking Center
Why choose a CD instead of keeping everything in savings?
Savings provides flexibility. A CD is designed for money that can remain untouched for a set period of time and may offer higher earning potential.
What is the minimum opening deposit?
CDs require a $5,000 minimum opening deposit. Opening deposit must be new money. New money is defined as money that is not on deposit with Northeast Bank.
How can I earn an additional 0.15% APY3 on my CD?
An open Propel Premier Checking and Propel Preferred Savings account qualifies you for an additional 0.15% APY3 on eligible new CDs.
Disclosures

1 FDIC Insurance: Deposits are insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 per depositor, per insured bank, for each account ownership category. Extended FDIC insurance available for deposits over $250,000.