Deposit Rates

Effective Date: February 22 2012

Rates Subject to Change Without Notice.

Deposits accepted from Massachusetts residents only.

Deposit and Investment Rates

Description Rate Annual

Percentage

Yield (APY)

 Minimum

Deposit

to Open

 Minimum

Balance to

Earn APY
Now Checking 0.05% 0.05% $10 $1
Basic Checking n/a n/a $10 n/a
Regular Savings  (Passbook or Statement) 0.10% 0.10% $10 $1
Money Market Plus 0.01% 0.01% $2,500 $1
0.10% 0.10% $2,500 $2,500
0.35% 0.35% $2,500 $10,000
Personal Choice Club 0.10% 0.10% $5 $5
Certificates of Deposit
  • 91 day CD
0.30% 0.30% $500 $500
  • 6 month CD
0.40% 0.40% $500 $500
  • 12 month CD
0.70% 0.70% $500 $500
  • 18 month CD
0.70% 0.70% $500 $500
  • 24 month CD
0.90% 0.90% $500 $500
  • 30 month CD
1.00% 1.00% $500 $500
  • 3 year CD
1.30% 1.31% $500 $500
  • 5 year CD
1.70% 1.71% $500 $500
  • IRA 18 Month Variable Rate

    (for February 2012)

0.58% 0.58% $500 $500

*APY refers to Annual Percentage Yield based on simple interest. Assumes reinvestment of interest earned at the stated rate. Rates subject to change without notice. Fees may reduce earnings. Substantial penalty for early withdrawal.