CDs and IRAs

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 offer limited time offers on both our CD and IRA where you can take advantage of great interest rates.

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IRAs and CDs

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate	Term
11 Month CD/IRA Special 1**
11 Month CD/IRA Special 1** New Money Required	3.00%	$1,000	$1,000	3.00%	336 days
11 Month CD/IRA Special 2
11 Month CD/IRA Special 2	2.50%	$1,000	$1,000	2.50%	336 days
18 Month CD/IRA Special**
18 Month CD/IRA Special** New Money Required	3.00%	$1,000	$1,000	2.96%	548 days
18 Month Step Up CD/IRA Special 1
18 Month Step Up CD/IRA Special 1	2.50%	$1,000	$1,000	2.47%	548 days
18 Month Step Up CD/IRA Special 2**
18 Month Step Up CD/IRA Special 2** New Money Required	2.75%	$1,000	$1,000	2.71%	548 days
CD – 3 Months
CD – 3 Months	0.10%	$500	$500	0.10%	90-181 days
CD – 6 Months
CD – 6 Months	0.15%	$500	$500	0.15%	182-272 days
CD – 9 Months
CD – 9 Months	0.20%	$500	$500	0.20%	273-364 days
CD – 1 Year PPC/RBG Special
CD – 1 Year PPC/RBG Special Relationship Banking Gold Special	0.25%	$500	$500	0.25%	365-547 days
CD/IRA – 7 Days
CD/IRA – 7 Days	0.05%	$5,000	$5,000	0.05%	7-30 days
CD/IRA – 1 Year
CD/IRA – 1 Year	0.20%	$500	$500	0.20%	365-547 days
CD/IRA – 1.5 Years
CD/IRA – 1.5 Years	0.25%	$500	$500	0.25%	548-729 days
CD/IRA – 2 Years
CD/IRA – 2 Years	0.35%	$500	$500	0.35%	730-1,094 days
CD/IRA – 3 Years
CD/IRA – 3 Years	0.40%	$500	$500	0.40%	1,095-1,459 days
CD/IRA – 4 Years
CD/IRA – 4 Years	0.45%	$500	$500	0.45%	1,460-1,824 days
CD/IRA – 5 Years
CD/IRA – 5 Years	0.55%	$500	$500	0.55%	1,825+ days
IRA 1.5 Years Variable Rate
IRA 1.5 Years Variable Rate	0.25%	$25.00	$25.00	0.25%	547 days

Rates subject to change without notice and penalty may apply for early withdrawal.

** $25,000 new money required.
APY = Annual Percentage Yield

Fees may reduce earnings on an account.