Personal Solutions

CD & IRA Rates

Charles River Bank offers a range of fixed rate savings solutions to help you earn more.

Certificates of Deposit

Click on a product name below to open your account online – or stop by one of our offices.

TermMinimum BalanceInterest RateAPY*
3 Month CD$1,0002.23%2.25%
6 Month CD$1,0002.47%2.50%
12 Month CD$1,0003.69%3.75%
18 Month CD$1,0003.45%3.50%
24 Month CD$1,0002.96%3.00%
30 Month CD$1,0002.96%3.00%
36 Month CD$1,0002.96%3.00%
42 Month CD$1,0002.96%3.00%
48 Month CD$1,0002.96%3.00%
60 Month CD$1,0002.96%3.00%
*Annual Percentage Yield (APY) and rates effective as of 09/30/2025. Rates are subject to change without notice. Fees could reduce the earnings on these accounts. A penalty will be imposed for early withdrawal on Certificates of Deposit. Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened. Minimum balance to open $1,000.

Individual Retirement Accounts

TermMinimum BalanceInterest RateAPY*
3 Month$4002.22%2.25%
6 Month$4002.50%2.53%
12 Month$4003.69%3.75%
18 Month$4003.45%3.50%
24 Month$4002.96%3.00%
30 Month$4002.96%3.00%
36 Month$4002.96%3.00%
42 Month$4002.96%3.00%
48 Month$4002.96%3.00%
60 Month$4002.96%3.00%
**Annual Percentage Yield (APY) and rates effective as of 09/30/2025. Rates are subject to change without notice. Fees could reduce the earnings on these accounts. A penalty will be imposed for early withdrawal on Certificates of Deposit. Rates are guaranteed for the length of the term on fixed-rate certificates. For variable rate accounts, the rate may change after the account is opened.

Click on a product name below to open your account online – or stop by one of our offices.