The Best Fixed Annuity and CD Rates in New Hampshire (September 2023)

Shawn Plummer

CEO, The Annuity Expert

New Hampshire (NH), a state renowned for its majestic mountains and beautiful coastlines, is not just a place of scenic beauty; it’s also an incredible place for your money to grow. From the bustling banking scene of Minneapolis to the state’s various credit unions, New Hampshire’s financial landscape is rich with opportunities. We’ll guide you through how to shop and compare the high-interest CD rates, the highest online savings rates, and the highest money market interest rates available in the Granite State. Moreover, we’ll shed light on the benefits of tax-deferred fixed annuity interest rates, providing a secure foundation for your future. With options ranging from local banks, credit unions to various online platforms, your journey toward financial growth in New Hampshire has never been so straightforward. We aim to help you understand the interest rates, navigate the options, and ultimately grow your money. So, let’s embark on this journey of exploration and turn the possibilities of New Hampshire’s financial landscape into your financial gain!

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Earn The Highest Interest Rates On Savings Today

Fixed annuities are almost identical to Certificates of Deposit (CDs) accounts and provide higher interest rates and penalty-free withdrawals for income.

TermInsurance CompanyAPY
N/AMoney Market Account – Optimum Bank5.26%
N/AMoney Market Account – FVC Bank5.26%
N/ASavings Account – CloudBank 24/7 5.26%
12 MonthsBread Savings CD5.50%
48 MonthsClear Spring Fixed Annuity5.15%
5 YearsAthene Fixed Annuity5.30%
10 YearsEquitrust Fixed Annuity6.00%
*Fixed annuities are only for saving money to use in retirement.

Disclaimer: This is a review. The Annuity Expert is not associated with a bank or credit union. However, fixed annuities are sold at most financial institutions. We aim to help you find the highest interest rates for your retirement savings. We may receive a small referral fee if you purchase something using a link in this guide.

Find And Compare The Highest Interest Rates

Find the highest interest rates for your savings, ranging from 3 months to 10 years, all in one place.

Best CD Rates in New Hampshire

Like fixed annuity rates, CD rates can vary widely depending on the terms of the investment and the financial stability of the issuing institution. Here are some of the best CD rates in New Hampshire:

3-Month CD Rates

Banks and credit unions have the highest CD rates for three months.

Best 3-Month CD RatesRateTermMinimum
Ponce Bank5.30% APY3 Months$1.00
Oklahoma State Bank5.35% APY3 Months$1.00
Western Alliance Bank5.21% APY3 Months$1.00

6-Month CD Rates

The following banks and credit unions have the highest CD rates for six months.

Best 6-Month CD RatesRateTermMinimum
Western Alliance Bank5.41% APY6 Months$1.00
Oklahoma State Bank5.40% APY6 Months$1.00
Generations Bank5.41% APY6 Months$1.00

1-Year CD Rates

The following banks and credit unions have the highest CD rates for 12 months.

Best 12-Month CD RatesRateTermMinimum
Western Alliance Bank5.51% APY12 Months$1.00
Bread Savings5.50% APY12 Months$1,500.00
Connexus Credit Union5.50% APY12 Months$1.00

2-Year CD Rates

Banks and credit unions have the highest CD rates for 24 months.

Best 2-Year CD RatesRateTermMinimum
Connexus Credit Union4.95% APY24 Months$1.00
Idabel National Bank4.90% APY24 Months$1.00
Bread Savings5.00% APY24 Months$1,500.00

3-Year CD Rates

Banks and credit unions have the highest CD rates for 36 months.

Best 3-Year CD RatesRateTermMinimum
Valley Bank5.60% APY36 Months$500.00
Bread Savings4.75% APY36 Months$1,500.00
The State Exchange Bank4.70% APY36 Months$1.00

4-Year CD Rates

The following banks and credit unions have the highest CD rates for 48 months.

Best 4-Year CD RatesRateTermMinimum
Bread Savings4.50% APY48 Months$1,500.00
The State Exchange Bank4.50% APY48 Months$1.00
Barclays4.45% APY48 Months$0.00

5-Year CD Rates

Banks and credit unions have the highest CD rates for 60 months.

Best 5-Year CD RatesRateTermMinimum
Bread Savings4.50% APY60 Months$1,500.00
Barclays4.50% APY60 Months$0.00
The State Exchange Bank4.35% APY60 Months$1.00

Best Fixed Annuity Rates in New Hampshire

Fixed annuity rates can vary widely depending on the terms of the investment and the financial stability of the issuing institution. Here are some of the best-fixed annuity rates in New Hampshire:

Disclaimer: Products are subject to state availability. Please inquire below for details.

Introduction to Fixed Annuity and CD Rates in New Hampshire

Fixed annuities and CDs are two of the most sought-after investments for those who wish to secure a low-risk, guaranteed return. With their fixed rate of return over an agreed period, they provide people with a dependable source of income – making them incredibly attractive options!

Understanding the Best Fixed Annuity and CD Rates in New Hampshire

Several factors, including the economy, interest rates, and the financial stability of the issuing institution, determine the best-fixed annuity and CD rates in New Hampshire. As a result, the rates can vary widely depending on the investment terms and the deposit’s length.

Here are some of the factors that can affect the best-fixed annuity and CD rates in New Hampshire:

  • Interest rates: The Federal Reserve sets interest rates, which can significantly impact the best-fixed annuity and CD rates in New Hampshire. When interest rates are low, fixed annuity and CD rates also tend to be lower.
  • Financial stability of the issuing institution: The financial stability of the institution issuing the fixed annuity or CD can also affect the rates. Institutions that are considered to be financially stable are more likely to offer better rates than those that are not.
  • Investment terms: The terms of the investment, such as the length of the deposit, also play a role in determining the best-fixed annuity and CD rates in New Hampshire. For example, longer-term deposits offer higher rates than short-term deposits.

Tips For Comparing CD Interest Rates With Fixed Annuity Interest Rates

When comparing CD interest rates with fixed annuity interest rates, keeping a few things in mind is essential to help you make an informed decision. Here are some tips to help you compare the two:

  1. Consider your investment goals: Before making a decision, it’s essential to consider your investment goals. For example, are you looking for a reliable source of income or a long-term investment? This can help you determine whether a fixed annuity or CD is better.
  2. Consider the length of the deposit: The deposit can significantly affect the interest rate you receive. Generally, longer-term deposits offer higher interest rates than short-term deposits.
  3. Consider the financial stability of the issuing institution: The financial stability of the institution issuing the fixed annuity or CD can significantly affect the interest rate you receive. Therefore, choosing a financially stable institution is essential to secure your investment.
  4. Consider the terms of the investment: The terms of the investment, such as penalties for early withdrawal, should also be considered when comparing CD interest rates with fixed annuity interest rates. Therefore, make sure to understand all the terms of the investment before making a decision.
  5. Consider the interest rate environment: The environment can significantly affect the interest rates offered on fixed annuities and CDs. So keep an eye on the Federal Reserve’s interest rate decisions to understand what you can expect.

By considering these factors, you can better understand which option is best for you and make an informed investment decision.

Next Steps

Purchasing a fixed annuity or CD in New Hampshire can be a solid investment option, with the rates of returns being quite rewarding and the risk factors significantly lower than other investments. With this comparison, we hope you understand how to locate and distinguish between the best-fixed annuity and CD rates available in New Hampshire.

Investing money is an important decision; it pays to take your time to ensure you invest wisely. We here at The Annuity Expert would love to help you explore all the available options that fit your needs. Contact us for a quote today, and let us lend our expertise as you become an informed investor and make smart investments for yourself and your future.

The Best Fixed Annuity And Cd Rates In New Hampshire (Nh)

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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