The Best Fixed Annuity and CD Rates in New Hampshire (July 2024)

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

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!

Our Favorite Rates To Grow Your Money

TermSavings AccountInstitutionAPY
N/AMoney Market AccountHarborstone Credit Union5.25%
N/ASavings AccountWestern Alliance Bank5.27%
12 MonthsCDBread Savings5.15%
5 YearsFixed AnnuityWichita National6.50%

Disclaimer: This is a comparison review. The Annuity Expert is not associated with a bank or credit union. We aim to help you find the highest interest rates for your savings. We may receive a small referral fee if you purchase something using a link in this guide.

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
Merrick Bank5.25% APY3 Months$25,000.00
Total Direct Bank5.51% APY3 Months$25,000.00
Banesco USA 5.25% APY3 Months$1,000.00

6-Month CD Rates

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

Best 6-Month CD RatesRateTermMinimum
American Airlines5.35% APY6 Months$1,000.00
My eBanc5.45% APY6 Months$50,000.00
Total Direct Bank5.51% APY6 Months$25,00.00

1-Year CD Rates

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

Best 12-Month CD RatesRateTermMinimum
NexBank5.40% APY12 Months$25,000.00
Eastman Credit Union5.40% APY12 Months$100,000.00
USAlliance Financial5.40% APY12 Months$500.00

2-Year CD Rates

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

Best 2-Year CD RatesRateTermMinimum
Crescent Bank4.90% APY24 Months$1,000.00
Eastman Credit Union5.40% APY24 Months$100,000.00
NexBank4.80% APY24 Months$10,00.00

3-Year CD Rates

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

Best 3-Year CD RatesRateTermMinimum
Credit Human4.65% APY36 Months$500.00
First National Bank4.37% APY36 Months$500.00
Crescent Bank4.80% APY36 Months$1,000.00

4-Year CD Rates

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

Best 4-Year CD RatesRateTermMinimum
Eastman Credit Union4.65% APY48 Months$1,000.00
Crescent Bank4.50% APY48 Months$1,000.00
Credit Human4.65% APY48 Months$500.00

5-Year CD Rates

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

Best 5-Year CD RatesRateTermMinimum
First National Bank of America4.50% APY60 Months$1,000.00
Eastman Credit Union4.75% APY60 Months$100,000.00
Virginia Credit Union4.48% APY60 Months$100,000.00

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.

How We Can Help

At The Annuity Expert, we understand that finding the right investment can be overwhelming. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we’re dedicated to helping you navigate your options to find the best solutions at the lowest costs.

Your Financial Challenge

The core problem we solve is finding secure and profitable savings solutions tailored to your needs. Many savers struggle with low-interest rates and uncertain financial products, which can lead to anxiety and frustration. We recognize these challenges and are here to offer our expertise.

Our Commitment to You

We believe in transparency, reliability, and personalized service. Our goal is to provide you with the highest quality financial products that ensure your money works as hard as you do.

What We Recommend

Step 1: Initial Consultation

  • First Step: Schedule a free consultation with our experts. During this session, we will understand your financial goals and assess your current investment strategy.
  • Main Benefit: Gain clarity on your financial goals and the best path forward.

Step 2: Personalized Recommendations

  • What We Do: Based on your unique needs, we will provide tailored investment recommendations that offer the best returns and terms.
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Step 3: Secure Your Investment

  • Final Step: We assist you in opening your chosen investment accounts, ensuring all details are handled smoothly and efficiently.
  • Main Benefit: Secure a high-return investment with confidence, knowing you’ve made an informed decision.

Features and Benefits

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Addressing Common Objections

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    Response: We’ll help you choose a diversified portfolio that matches your risk tolerance and financial goals.
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    Response: Our experts simplify the process, providing clear and concise recommendations tailored to your needs.

Without our guidance, you might miss out on the best investment options and returns, potentially impacting your financial growth and stability.

By working with us, you’ll enjoy higher returns on your investments, peace of mind from secure financial products, and the confidence that comes with expert financial advice.

Imagine the relief and satisfaction of knowing your investments are growing efficiently and securely. Our tailored approach ensures you feel valued, supported, and confident in your financial future.

For free advice or a personalized quote, contact The Annuity Expert. Let us help you secure the best investment options and achieve your financial goals.

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

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Disclaimer: I may receive a small referral fee if you purchase something using a link in this guide.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

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

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