Ripple Effect CD

Maximize your earnings

The more services you use, the more you earn!

To open a Ripple Effect 9 Month CD, you must maintain a Charles River Bank personal checking account and at least one Qualifying Service for the entire 9 month term.  All Ripple Effect 9 Month CD funds must originate from another Financial Institution.  Up to 4 Qualifying Services may be used to earn the Ripple Effect 9 Month CD special rates* shown in the rate chart.  Qualifying Services include:

CRB-RippleEffect

*Ripple Effect 9 Month CD Rates
1 Qualifying Service: 4.27% Rate • 4.35% APY**
2 Qualifying Services: 4.55% Rate • 4.65% APY**
3 Qualifying Services: 4.84% Rate • 4.95% APY**
4 Qualifying Services: 5.13% Rate • 5.25% APY**

Your deposits are insured in full

At Charles River Bank, your deposits are insured in full through a combination of coverage from the Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF). Learn more about Deposit Insurance.

**The Annual Percentage Yield (APY) stated assumes the required minimum balance and interest earned is kept on deposit for the 9 month term of the Certificate of Deposit (CD).  The APY is effective as of March 20, 2024 and subject to change without notice.  Minimum deposit to open a Ripple Effect 9 Month CD is $1,000.  All funds deposited into the CD must originate from another financial institution. You must also open or maintain a Charles River Bank personal checking account with at least one Qualifying Service for the 9 month term of the CD. One Ripple Effect 9 Month CD per tax ID owner. A penalty may be imposed for early withdrawal.  Fees may reduce earnings. At the end of the original 9 month term, the Ripple Effect 9 Month CD will convert to a standard 6 month CD and the rate may change.

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