Personal Banking - Deposit Rates
All personal banking rates are subject to change without notice.
Special - 25 month IRA CD, 1.35% APY+
| Term | Minimum Opening Balance | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) | Interest Rate |
| 3 - 5 Month (Regular CD only) | $500.00 | $10.00 | 0.25% | 0.25% |
| 6 - 11 Month | $500.00 | $10.00 | 0.30% | 0.30% |
| 12-17 Month | $500.00 | $10.00 | 0.70% | 0.70% |
| 18-23 Month | $500.00 | $10.00 | 0.90% | 0.90% |
| 24-35 Month | $500.00 | $10.00 | 1.10% | 1.09% |
| 36-47 Month | $500.00 | $10.00 | 1.50% | 1.49% |
| 48-59 Month | $500.00 | $10.00 | 1.80% | 1.78% |
| 60 Month | $500.00 | $10.00 | 2.00% | 1.98% |
+ Annual Percentage Yield (APY) is 1.35% for 25 month IRA CD. APY effective as of 1/27/12; rate is subject to change without notice. Offer may be withdrawn at anytime. The minimum balance required to open this CD and obtain the quoted APY rate is $500. Early withdrawal penalties may apply. For more information, please call 978-365-3700.
Effective January 23, 2012
All personal banking rates are subject to change without notice.
| Tier | Minimum Opening Balance | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) | Interest Rate |
| $10.00 - $9,999.99 | $2,500.00 | $10.00 | 0.10% | 0.10% |
| $10,000-$49,999.99 | $2,500.00 | $10,000 | 0.20% | 0.20% |
| $50,000-$99,999.99 | $2,500.00 | $50,000 | 0.30% | 0.30% |
| $100,000+ | $2,500.00 | $100,000 | 0.40% | 0.40% |
Effective January 23, 2012
All personal banking rates are subject to change without notice.
| Product | Minimum Opening Balance | Minimum Balance to Obtain APY | Annual Percentage Yield (APY) | Interest Rate |
| Passbook & Statement Savings | $10.00 | $10.00 | 0.15% | 0.15% |
| Save 4 Club Account | $10.00 | $10.00 | 0.15% | 0.15% |
| IRA Statement Savings | $10.00 | $10.00 | 0.15% | 0.15% |
| Dividend Checking | $100.00 | $10.00 | 0.05% | 0.05% |
| Preferred Checking | ||||
| $10.00-$24,999.99 | $100.00 | $10.00 | 0.05% | 0.05% |
| $25,000-$49,999.99 | $100.00 | $25,000 | 0.10% | 0.10% |
| $50,000-$99,999.99 | $100.00 | $50,000 | 0.20% | 0.20% |
| Total Access Checking*** | ||||
| Qualified $.01-$24,999.99*** | $10.00 | $.01 | 1.75% | 1.73% |
| Qualified $25,000 and over*** | $10.00 | $25,000 | .25% | .25% |
| Not Qualified | $10.00 | $.01 | 0.05% | 0.05% |
