FDIC Digital Sign, using the official FDIC wordmark. This digital sign indicates the deposit institution is backed by the full faith and credit of the US government.

Best Rates Up To

11-Month Premium
Certificate of Deposit

4.25% APY*

Open Now

Premium CDs must be opened with new money**

7-Month Premium
Certificate of Deposit

4.10% APY*

Open Now

Premium CDs must be opened with new money**

Lock in Growth. Your Money. Your Choice.

Calculate the savings option that fits how you want to manage your money.

Open Your Premium CD Today

11-Month Premium
7-Month Premium

Looking for other savings solutions?

Special CD Promotions

Effective Date: October 15, 2026

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Open
7 month CD – Premium 4.10% 4.02% $10,000.00** Open Now
11 month CD – Premium 4.25% 4.16% $10,000.00** Open Now
7 month CD 4.05% 3.97% $1,000.00 Open Now
11 month CD 4.15% 4.07% $1,000.00 Open Now

See additional term and rate options.

Special Savings Details:

*Annual Percentage Yield
** You must deposit $10,000.00 to open a Premium CD account in new money. New money is defined as money not currently on deposit with Torrington Savings Bank.

Interest is compounded from the day of deposit to the day of withdrawal and is credited monthly. A substantial interest penalty is required for early withdrawals from Certificates of Deposit. APY assumes interest remains on deposit until maturity and that a withdrawal will reduce earnings. For CDs with a term from 3 months to 1 year; penalty is 3 months’ simple interest on the amount withdrawn. See Consumer Disclosures for additional rules and regulations that may apply to your account.

Common Fee Schedule Consumer Terms & Conditions