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Savings Accounts & CDs



Make Life Better CD Special Offers

> Earn 4.75% APY* when you open a 6-Month Make Life Better CD

with $25,000 in new to Ledyard National Bank money and a Ledyard checking account.

> Earn 4.55% APY* when you open a 9-Month Make Life Better CD

with $25,000 in new to Ledyard National Bank money and a Ledyard checking account.


To open, visit a financial center near you or call toll-free (888) 746-4562!


*Annual Percentage Yields (APY) accurate as of 5/1/24 and subject to change without notice. Make Life Better CDs require $25,000.00 in new to Ledyard National Bank money and a Ledyard National Bank Checking account to open, fees may apply. If this is a CD renewal, the new money requirement is waived, and the amount of your CD rollover will open the account.  The minimum required to earn the annual percentage yield disclosed is $1,000.  We reserve the right to change or discontinue this offer at any time. Penalty may apply for early withdrawal. Fees could reduce earnings on the account. Personal and business banking relationships within the retail bank are subject to FDIC insurance coverage limits. 


Savings Accounts

Planning well means saving for the future, and Ledyard has a variety of ways to help you do that.

Platinum Money Market

Special Offer: Open a new Platinum Money Market account with $25,000 in new-to-bank money and earn 2.50% APY*.

Open Platinum Money Market

Open one online or visit any of our financial centers to take advantage of this special offer. 




Statement Savings

Certificates of Deposit (CDs)

Personal Money Market Account

Open Instantly!

 Open Statement Savings >

 Visit a Financial Center to Open

Open Personal Money Market >

Interest Paid




Balance required to earn interest




Statement Options

eStatement / paper ($3.00)*

eStatement / paper ($3.00)*

eStatement / paper ($3.00)*

ATM/Check Card – Unlimited use




Free Online Banking




Free Online Bill Pay




Check Paid Fee/Withdrawal Charge





  • $250 average daily balance to earn interest

  • $4.00 monthly service charge if average balance falls below $250

  • Service charges are waived for those 60 years and older, minors and Platinum Checking Account clients

  • ATM services are available**

  • FDIC insured

  • Short and long-term investment options available

  • Minimum investment $500

  • Interest compounded daily and credited monthly

  • Preferred rates for those with a Ledyard checking account or Platinum Checking Account clients

  • FDIC insured

  • Interest earned with a $1,500 daily balance

  • Interest earned may increase as your balance increases

  • Unlimited in-person and ATM withdrawals

  • $10.00 service charge if average monthly balance per statement cycle falls below $1,500

  • FDIC insured

*If the primary account owner is 70 years of age or older, the fee will be waived.


CDARS (Certificate of Deposit Account Registry Service)…A safe, convenient solution for large-deposit investors.

Until now, there were only three ways an investor could enjoy full FDIC insurance on deposits larger than 250,000: open and maintain accounts with multiple banks, invest with one bank by transferring ownership and registering accounts in the names of family members or corporate affiliates, or work through a broker-dealer.

Through CDARS, we can now place large deposits into smaller-denomination CDs at multiple institutions. This service can offer you significant benefits:

  • The safety of FDIC insurance for large deposits. Because funds are placed in FDIC-insured CDs that are issued by other financial institution Network members, your total deposits over $250,000 can be eligible for full FDIC coverage. Now you can make bank CD investments up to $1 million or more!

  • CD interest. Rates may compare favorably with those of other high-quality, fixed-income investments.

  • Interest-payment flexibility. You may choose to have interest paid monthly or at maturity.

  • Management convenience. You can manage all of your CD investments through a single relationship.

  • The security of working with a trusted, local source. Your transaction is managed by the people you know and trust here at Ledyard National Bank.


If you'd like to learn more or discuss next steps, please fill out the form below.

* Platinum Money Market Special Offer: The annual percentage yield (APY) disclosed above, effectiveMarch 13, 2024, is available if the required conditions are met. The conditions are 1) Must have or establish a Platinum Relationship with Ledyard. Platinum Relationships require at least $20,000 combined related account balances; which may include funds in the Platinum Money Market Account. 2) Must have or open a Platinum Checking Account with Ledyard. 3) Must open the Platinum Money Market Account with new money not currently on deposit with Ledyard National Bank. The minimum new money deposit required to open the account and earn the 2.50% APY is $25,000. Fees may reduce earnings. This is a variable rate account and the annual percentage yield may change in accordance with the terms and conditions of the account. This offer cannot be combined with other offers and may be discontinued at any time.

**Usage at a non-Ledyard ATM will incur a $1.00 ATM debit item charge – except for Platinum Checking Account clients – and other institutions may impose an ATM fee.

***Please consult your tax advisor

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