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Deposit Rates

Rates as of 12/1/2025. All rates subject to change without notice.
 

CD Promo

Visit or contact your local branch to apply for a CD today.
Certificate of Deposit Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance to Obtain APY
5 Month 3.50%* 3.47% $500 $500
*Annual percentage yield (APY) on the 5 Month Certificate of Deposit (CD) is accurate as of 12/1/2025. $500 minimum is required at time of opening of the account to obtain the stated APY on CD. To open, you must have a new or existing Pentucket Bank Checking Account. No minimum balance to earn the stated APY. Early withdrawal penalties will apply. Fees may reduce earnings. Withdrawals of interest may reduce earnings. Rates are subject to change. 
 


Regular CD Rates

Visit or contact your local branch to apply for a CD today.
CD Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance1 to Obtain APY
Certificates of Deposit



6 Month 3.25% 3.22%2 $500 $500
1 Year 3.25% 3.20% $500 $500
18 Month 3.25% 3.20% $500 $500
2 Year 3.25% 3.20% $500 $500
3 Year 3.00% 2.96% $500 $500
4 Year 3.00% 2.96% $500 $500
5 Year 3.00% 2.96% $500 $500
IRA Certificates of Deposit



1 Year 3.25% 3.20% $500 $500
18 Month 3.25% 3.20% $500 $500
2 Year 3.25% 3.20% $500 $500
3 Year 3.00% 2.96% $500 $500
4 Year 3.00% 2.96% $500 $500
5 Year 3.00% 2.96% $500 $500
1Daily Balance (the amount of principal in the account each day)
2 = Simple Interest
All deposits are insured in full by FDIC and DIF.



Standard Deposit Rates

Account Type Annual Percentage Yield1 Interest Rate1 Minimum Deposit to Open Minimum Daily Balance2 to Obtain APY
Lifeline 18/65 Checking .01% .01% $10 N/A
Rewards Checking



$0-$15,000.00 4.00% 3.92% $10 N/A
$15,000.01+ 4.00% to 0.01% 0.01% $10 N/A
Statement Savings 0.12% 0.12% $10 N/A
Money Market



$0-$999.99 0.00% 0.00% $10
$1,000
$1,000.00-$9,999.99 1.13% 1.12% $10 $1,000
$10,000.00-$24,999.99 1.16% 1.15% $10 $1,000
$25,000.00-$49,999.99 1.16% 1.15% $10 $1,000
$50,000.00-$99,999.99 1.21% 1.20% $10 $1,000
$100,000.00-$499,999.99 1.21% 1.20% $10 $1,000
$500,000.00+ 1.31% 1.30% $10 $1,000
1For variable rate products, the rate may change after account opening. 
2Daily Balance (the amount of principal in the account each day)
Fees may reduce earnings.
Rates may be subject to change without notice.
 

Health Savings Accounts

Eligible individuals can open a tax-exempt Health Savings Account (HSA) to pay for certain medical expenses. Funds can be accessed by a check or debit card. Contributions can be deducted from your gross income and funds remain in the account from year to year until you choose to use them.

Visit or contact your local branch to open an account today.

 
For additional rate information please contact your local branch.