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Checking & Savings Rates


For questions on loan rates, please contact Lorraine Ilsley at (978) 265-0930 or Vee Kong at (978) 569-1623.

For questions on deposit rates, please contact any branch or call our main number at (978) 458-7999.

Rates effective as of April 14th, 2014.

Checking

TypeMinimum to OpenBalance TiersInterest RateAPY*
Interest Rewards Checking$10$0 - $10,000

If qualifications are met

2.50%2.53%
Over $10,000

If qualifications are met

0.50%2.53% - 0.50%
All balances

If qualifications are not met

0.05%0.05%
Business Rewards Checking$10$0 - $10,000

If qualifications are met

2.50%2.53%
Over $10,000

If qualifications are met

0.35%2.53% - 0.35%
All balances

If qualifications are not met

0.05%0.05%
Interest Business Checking$10$10 - $24,999.990.05%0.05%
$25,000 - $49,999.990.50%0.51%
$50,000 - $99,999.990.60%0.61%
$100,000 or more0.70%0.71%

*APY = Annual Percentage Yield.

Per Qualification Cycle For Interest Rewards Checking: Have at least 12 debit card purchases post and clear, receive free eStatements, and have at least one automatic payment, direct deposit, or bill pay post and clear.

Per Qualification Cycle for Business Rewards Checking: Have at least 12 debit card purchases post and clear, receive free eStatements, and access online banking.

Variable account rates may change after account is opened.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

You must maintain a minimum balance of $10.00 in an account to earn the stated APY.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.

Please contact us for more detailed deposit insurance information.

Savings

TypeMinimum to OpenBalance TiersRateAPY*
Saver Rewards$10$0 - $15,000

If qualifications are met

1.25%1.26%
Over $15,000

If qualifications are met

0.50%1.25% - 0.50%
All balances

If qualifications are not met

0.05%0.05%
Money Market Account$10$10 - $24,999.990.05%0.05%
$25,000 - $49,999.990.35%0.36%
$50,000 - $99,999.990.45%0.46%
$100,000 or more0.55%0.56%
Passbook Savings$50$10 or more0.05%0.05%
Statement Savings$50$10 or more0.05%0.05%
Vacation Club$10$10 or more0.05%0.05%
Christmas Club$10$10 or more0.10%0.10%

*APY = Annual Percentage Yield.

Saver Rewards requires an Interest Rewards Checking account. Meeting the qualifications for an Interest Rewards Checking account qualifies Saver Rewards for a higher interest rate. Per Qualification Cycle For Interest Rewards Checking: Have at least 12 debit card purchases post and clear, receive free eStatements, and have at least one automatic payment, direct deposit, or bill pay post and clear.

Variable account rates may change after account is opened.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

You must maintain a minimum balance of $10.00 in an account to earn the stated APY.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.

Federal regulation limits the number of pre-authorized transfers/withdrawals to no more than 6 per month.

Please contact us for more detailed deposit insurance information.

CDs

TypeMinimum to OpenRateAPY*
7-31 Day Certificate$5000.10%0.10%
91 Day Certificate$5000.10%0.10%
6 Month Certificate$5000.25%0.25%
9 Month Certificate$5000.30%0.30%
12 Month Certificate$5000.40%0.41%
1½ Year Certificate$5000.50%0.51%
2 Year Certificate$5000.70%0.71%
2½ Year Certificate$5000.85%0.87%
3 Year Certificate$5001.00%1.02%
5 Year Certificate$5001.20%1.22%
1½ Year Certificate (Fixed Rate IRA)$5000.50%0.51%
2 Year Certificate (Fixed Rate IRA)$5000.70%0.71%
1½ Year Certificate (Variable Rate IRA)$5000.50%0.51%

*APY = Annual Percentage Yield.

Annual Percentage Yield assumes principal and interest remain on deposit for term. You must maintain the stated minimum balance each day to obtain the disclosed APY.

A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits.

Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.