We Focus on You
By focusing on you, and limiting our geographic service area to Portsmouth and the surrounding towns, we’re able to provide the superior banking experience — and exceptional rates — our customers have counted on since 1877. Please call us at (603) 436-5250 to find out if your town is included among the communities we serve.
Our Rates
Please review our rates below and check back often, as this page is updated daily. And remember, we’re always surveying our competitors’ rates to ensure that when you bank with us, you’re getting the best rates possible.
Call us at (603) 436-5250 to speak with us about your specific banking needs and goals.
All rates are subject to change without prior notice.
Rates as of 06/06/25.
PSB’s CD Rates in New Hampshire
A certificate of deposit (CD) is a savings account designed for individuals looking for a secure way to grow their money over a fixed period.
Our NH bank CD rates typically offer a higher interest rate than a standard savings account in exchange for leaving funds untouched until the maturity date. CDs are ideal for those who want a low-risk investment option with predictable returns.
IRAs
An Individual Retirement Account (IRA) is a savings tool designed for individuals who want to plan and save for their retirement. It allows you to grow your retirement savings through tax advantages, either with tax-deferred growth or tax-free withdrawals, depending on the type of IRA. Piscataqua’s Savings Bank IRAs provide competitive rates and personalized support, making IRAs a reliable choice for building a secure and comfortable future.
Accounts in Southern Maine and New Hampshire
Money market accounts are best for individuals looking for a secure place to save while earning higher interest rates than traditional savings accounts. They allow for limited transactions and often come with check-writing privileges, making them a flexible option for managing your finances. Choosing Piscataqua Savings Bank for your money market account ensures competitive rates, exceptional customer service, and financial peace of mind.
Savings and Checking Accounts at Piscataqua Savings Bank
Savings and checking accounts at PSB are designed to meet a variety of financial needs with flexibility and security. A savings account is ideal for individuals looking to grow their funds over time, while a checking account provides easy access to money for daily transactions. Choosing Piscataqua Savings Bank ensures you benefit from competitive rates, excellent customer service, and modern banking tools tailored to enhance your financial experience.
Certificates of Deposit
|
Account Product |
Minimum Opening Deposit |
Minimum Balance to Earn APY |
Interest Rate |
APY** |
|---|---|---|---|---|
|
91 Day* |
$2,500.00 |
$0.01 |
2.96% |
3.00% |
|
6 Month* |
$2,500.00 |
$0.01 |
2.96% |
3.00% |
|
1 Year* |
$500.00 |
$0.01 |
3.60% |
3.67% |
|
1 1/2 Year* |
$500.00 |
$0.01 |
3.70% |
3.77% |
|
2 Year* |
$500.00 |
$0.01 |
3.80% |
3.87% |
|
3 Year* |
$500.00 |
$0.01 |
3.93% |
4.01% |
|
5 Year* |
$500.00 |
$0.01 |
3.25% |
3.30% |
|
Kids' Bank Variable Rate 5 Year CD*** |
$250.00 |
$0.01 |
3.60% |
3.67% |
All of the above CDs are available to be opened as Individual Retirement Accounts (IRAs)
Fees could reduce the earnings on the account.
*A penalty may be imposed for early withdrawal.
**APY: Annual Percentage Yield
***The interest rate and annual percentage yield may change after account opening.
IRAs
|
Account Product Name |
Minimum Opening Deposit |
Minimum Balance to Earn APY |
Interest Rate |
APY** |
|---|---|---|---|---|
|
1 1/2 Year Variable IRA* |
$10.00 |
$0.01 |
2.47% |
2.50% |
The interest rate and annual percentage yield may change after account opening.
Fees could reduce the earnings on the account.
*A penalty may be imposed for early withdrawal.
**APY: Annual Percentage Yield
Money Market
|
|
Minimum Opening Deposit |
Minimum Balance to Earn APY |
Interest Rate |
APY** |
|---|---|---|---|---|
|
Balances up to $2,499.99* |
|
|
0.00% |
0.00% |
|
Balances $2,500.00 – $49,999.99* |
$2,500.00 |
$2,500.00 |
1.00% |
1.01% |
|
Balances $50,000.00 – $99,999.99* |
$2,500.00 |
$50,000.00 |
1.25% |
1.26% |
|
Balances $100,000.00 – $249,999.99* |
$2,500.00 |
$100,000.00 |
1.75% |
1.77% |
|
Balances $250,000.00 - $499,999.99* |
$2,500.00 |
$250,000.00 |
2.00% |
2.02% |
|
Balances $500,000.00 – $999,999.99* |
$2,500.00 |
$500,000.00 |
2.50% |
2.53% |
|
Balances $1,000,000.00 and over* |
$2,500.00 |
$1,000,000.00 |
3.00% |
3.05% |
Fees could reduce the earnings on the account.
*The interest rate and annual percentage yield may change after account opening.
**APY: Annual Percentage Yield
Savings and Checking Accounts
|
Account Product Name |
Minimum Opening Deposit |
Minimum Balance to Earn APY |
Interest Rate |
APY** |
|---|---|---|---|---|
|
Passbook/ Statement Savings* |
$10.00 |
$100.00 |
0.25% |
0.25% |
|
Christmas/Vacation Clubs* |
$1.00 |
$0.01 |
0.25% |
0.25% |
|
Checking Account* |
$100.00 |
$0.01 |
0.05% |
0.05% |
|
Kids' Bank Savings Account Balances up to $4,999.99* |
$0.01 |
$0.01 |
4.00% |
4.08% |
|
Kids' Bank Savings Account Balances $5,000.00 and over* |
$0.01 |
$0.01 |
0.50% |
0.53% to 4.08% |
|
Health Savings Account Up to $2,499.99* |
$100.00 |
$0.01 |
0.15% |
0.15% |
|
Health Savings Account Balances $2,500.00 - $9,999.99* |
$100.00 |
$2,500.00 |
0.20% |
0.20% |
|
Health Savings Account Balances $10,000.00 and over* |
$100.00 |
$10,000.00 |
0.30% |
0.30% |