Its best CD
4.35%
APY for 7 months, as of Nov 8, 2026
1 CD
Needham Bank CD rates
Every CD we track from Needham Bank, by term, with each term’s place among the CDs we track and its terms of business.
At each term
Its best rates
- 3 months3.80%Not ranked
- 6 months3.90%#47 of 143
- 7 months4.35%Not ranked
- 11 months4.35%Not ranked
- 1 year3.85%#74 of 176
- 15 months4.35%Not ranked
- 18 months3.70%#51 of 107
- 2 years3.15%#68 of 134
- 3 years3.15%#45 of 98
- 4 years3.15%Not ranked
- 5 years2.50%#57 of 98
Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Every CD
By term
Personal Certificate of Deposit
3 months3.80%—
6 months3.90%#47 of 143
7 months4.35%—
11 months4.35%—
1 year3.85%#74 of 176
15 months4.35%—
18 months3.70%#51 of 107
2 years3.15%#68 of 134
3 years3.15%#45 of 98
4 years3.15%—
5 years2.50%#57 of 98
- Minimum to open
- $1,000needhambank.com, checked Nov 8, 2026
- Early withdrawal penalty
- A substantial penalty is required if partial or full withdrawal is made before CD maturity.needhambank.com, checked Nov 8, 2026
The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake