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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 - May 1, 2016

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

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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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