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New Hampshire CD Rates – 3 Month

Below are the best three month CD Rates from banks in New Hampshire. Three month CD rates are generally the shortest term offered by banks and come with the lowest interest rates. You may want to consider opening a 3 month CD if they the rates are comparable to a savings and money market account, you don’t need the money for the time period, and you feel that savings rates will drop.

NH - February 13, 2016

Bank APY MIN MILES ?
Piscataqua Savings Bank 0.40% $2,500 - Learn MoreShow Less
Newburyport Five Cents Savings Bank 0.30% $2,500 - Learn MoreShow Less
Optima Bank & Trust Company 0.30% $1,000 - Learn MoreShow Less
Woodsville Guaranty Savings Bank 0.25% $100,000 - Learn MoreShow Less
Nbt Bank, National Association 0.25% $1,000 - Learn MoreShow Less
Savings Bank Of Walpole 0.20% $2,500 - Learn MoreShow Less
Td Bank, National Association 0.20% $250 - Learn MoreShow Less
Lake Sunapee Bank, Fsb 0.20% $500 - Learn MoreShow Less
Mascoma Savings Bank 0.20% $2,500 - Learn MoreShow Less
Franklin Savings Bank 0.20% $10,000 - Learn MoreShow Less
Claremont Savings Bank 0.20% $500 - Learn MoreShow Less
Passumpsic Savings Bank 0.15% $500 - Learn MoreShow Less
Woodsville Guaranty Savings Bank 0.15% $1,000 - Learn MoreShow Less
Bank Of New England 0.15% $500 - Learn MoreShow Less
People's United Bank, National Association 0.15% $1,000 - Learn MoreShow Less
Haverhill Bank 0.15% $500 - Learn MoreShow Less
Sugar River Bank 0.15% $500 - Learn MoreShow Less
Sanford Institution For Savings 0.15% $500 - Learn MoreShow Less
The Provident Bank 0.10% $500 - Learn MoreShow Less
Community Guaranty Savings Bank 0.10% $7,500 - Learn MoreShow Less
Merrimack County Savings Bank 0.10% $500 - Learn MoreShow Less
Ledyard National Bank 0.10% $1,000 - Learn MoreShow Less
Meredith Village Savings Bank 0.10% $500 - Learn MoreShow Less
Federal Savings Bank 0.05% $2,500 - Learn MoreShow Less
Northway Bank 0.05% $2,500 - Learn MoreShow Less
Eastern Bank 0.05% $10 - Learn MoreShow Less
Kennebunk Savings Bank 0.05% $500 - Learn MoreShow Less
Citizens Bank, National Association 0.03% $1,000 - Learn MoreShow Less
Bank Of America, National Association 0.03% $10,000 - Learn MoreShow Less
Santander Bank, N.a. 0.01% $10,000 - Learn MoreShow Less

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3 Month Branch Certificates of Deposit

3 Month Certificates of Deposit offered by local banks are often the shortest term offered. Three month certificates of deposit rates underperform the returns on savings and money market accounts and have for some time. As a result, savers may find savings and money market accounts to offer a higher yield and more flexibility than a three year CD.

Any certificate of deposit will bear substantial penalties for early withdrawal, if it is even allowed. As a result of the penalty, depositors who might need to withdraw from short term CDs early will ordinary lose some of their principal. Under no circumstances should depositors open a 3 month CD if they think that there is any chance that they will need to access the money in less than 3 months.

While online banks often offer better rates on short term CDs, local banks are provide the convenience of walking into a branch to open a CD, deposit funds, or withdraw the CD when it matures. In addition, a CD is often an entree into a broader relationship with a financial institution which may become important if the depositor wishes to borrow money.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, you visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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