Newburyport - Lock in a CD Rate Nearly 2.5x the National Average!

From Joppa to Plum Island – there’s a new top CD rate in town. You don't want to miss this, Newburyport.

Entering Newburyport sign welcoming Newburyport residents to earn savings with our high-rate CD offer

**4.50% APY* For 6 and 9-Month CDs Up to $250,000**

Take advantage of a CD rate nearly 2.5x the national average** while it lasts! You can securely grow your savings with no monthly fees.

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Is a Certificate of Deposit Right for You?

Whether you’re saving for something in the short or mid-term, a Certificate of Deposit account is a great way to put your hard-earned savings to work for you. A CD is an interest-bearing account opened for a specific period of time (often called a term) that earns a fixed income on the amount initially deposited. CDs are a great high-yield savings option because they typically offer higher interest rates than traditional savings accounts. Our CDs are popular options for near-term savings goals because they are fixed rate and FDIC insured.

Wondering which term is right for you? Consider when you will need access to your funds and pick a term that matures slightly before that date. Based on your savings goals, you can choose a term and rate that works for you!

Common savings goals that CDs are great for:
•   Home ownership
•   Home renovations
• Managing income in retirement
•   Wedding
•   College
•   Emergency fund

Exclusive High-Yield CD Offers

6-Month CD

4.50% APY*

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9-Month CD

4.50% APY*

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Looking For a Long-Term CD?

Product Name	APY	Open Online
12-Month CD	3.75%	Get Startedopen_in_new
15-Month CD	3.65%	Get Startedopen_in_new
5-Year CD	3.50%	Get Startedopen_in_new

^{*Annual Percentage Yield. Minimum balance to open and earn APY is $1,000. Interest rate of 4.45% for 6 Month CD. Interest rate of 4.47% for 9 Month CD. $250,000 maximum deposit. A penalty may be imposed for early withdrawal from a Certificate of Deposit prior to maturity; Fees may reduce earnings. A Leader Bank checking account may be required to obtain listed APY. Rate effective as of 7 April, 2025.}

Start saving now -- it takes less than five minutes to apply online!

All you need is your SSN and the account & routing number for the bank account you're using to fund your new CD!

Flexible

With multiple CD term options including 6 and 9-months, you can pick a term that offers you the flexibility you need to achieve your financial goals.

Secure

Your rate is locked in when you open your CD so you’ll know exactly how much you’ll save over the term of your account. And with no monthly service fees so you can maximize your savings!

Grow Your Savings

Leader Bank’s CD accounts are a great way to maximize your savings and enjoy returns at a rate nearly 2.5x the national average while it lasts!

Start Saving

Hey Newburyport -- Anchor Your Future for Financial Growth Today.

Speak to an Expert

Our team is ready to help you through the account opening process.

Call Now

Open Online

Get started right away by opening a CD online.

Open Now

Get Started by Email

Shoot us an email and one of our expert team members will follow up with next steps to open your account.

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Our CDs Are More Than Just A Great Rate

Newburyport lighthouse lighting the way for competitive CD rates

Flexible CD Terms

Choose between 6 and 9-month terms at a rate nearly 2.5x the national average**.

Secure Savings

Leader Bank is an FDIC insured institution and with a fixed rate you can be confident your savings will grow.

No Monthly Service Fees

Leader Bank CD accounts have absolutely no monthly fees attached!

Watch Your Savings Soar

Put your hard-earned savings to work for you with our special CD rate.

Newburyport Anchor - anchor your future with our CD rate offer

Frequently Asked Questions

There are three options to get started, call directly at 781-641-8686, email us at depositaccounts@leaderbank.

A Certificate of Deposit or CD account is an interest-bearing account opened for a specific period of time that earns a fixed income on the amount initially deposited. There are no monthly fees attached to Leader Bank Certificate of Deposit accounts so you are guaranteed a specific amount of return at the account’s maturity date as long as no early withdrawals are made.

Certificate of Deposit accounts are a safe and effective way to grow your savings. With a fixed rate you’ll know exactly how much you’ll earn at the end of your account term.

Interest rates for Certificate of Deposit accounts depend on the products and rates available at the time you open your account. The rate you receive at the time you open your account is locked in so you’ll be able to calculate your exact return over the specified term for the account. A fixed-rate means if interest rates change after your account is opened, you’ll still receive the rate that was established when you opened your account.

Leader Bank Certificates of Deposit accounts have absolutely no monthly fees attached! However, most Certificate of Deposit accounts have a penalty fee associated with making a withdrawal before the account reaches the end of the term established at opening. For more information about this fee, please contact our Client Services Department at 781-641-8686.

When your CD matures you will have several options for what you can do with the funds. These usually include rolling them into a new CD at then current interest rates, transferring your funds to another account, or withdrawing your funds.