Interest Rates on Certificates of Deposit and IRAs

Effective 04/22/24

Certificates of Deposit - Consumer & Business Rates

CD Term	Minimum Opening Balance	Interest Rate**	Annual Percentage Yield (APY)	Daily Minimum Balance to Obtain APY*
3 Months	$1,000	2.50%	2.50%	$1,000
6 Months	$1,000	3.00%	3.00%	$1,000
12 Months	$1,000	4.65%	4.76%	$1,000
18 Months	$1,000	4.40%	4.50%	$1,000
24 Months	$1,000	4.10%	4.18%	$1,000
30 Months^	$1,000	4.00%	4.08%	$1,000
36 Months	$1,000	3.90%	3.98%	$1,000
48 Months	$1,000	3.85%	3.92%	$1,000
60 Months	$1,000	3.75%	3.82%	$1,000

IRA Certificates of Deposit

CD Term	Minimum Opening Balance	Interest Rate**	Annual Percentage Yield (APY)	Daily Minimum Balance to Obtain APY*
12 Months	$500	4.65%	4.76%	$10
18 Months	$500	4.40%	4.50%	$10
24 Months	$500	4.10%	4.18%	$10
30 Months^	$500	4.00%	4.08%	$10
36 Months	$500	3.90%	3.98%	$10
48 Months	$500	3.85%	3.92%	$10
60 Months	$500	3.75%	3.82%	$10

IRA Money Market

Minimum Opening Balance	Balance	Interest Rate**	Annual Percentage Yield	Minimum Balance to Obtain APY*
$50	$0.01 - $49,999	0.50%	0.50%	$50
$50	$50,000	0.75%	0.75%	$50

Contact a customer service rep at any of our locations for more information about applicable fees and terms. Or, call our call center at 800-508-2265.

*The daily minimum balance is the amount of principal in the account each day. A penalty may be imposed if there is an early withdrawal.
^Our 30-month “bump up” CD and IRA CD feature a one-time rate increase to the current 30-month CD or IRA CD rate anytime during the term.
Online account opening available to New England residents only (New England = MA, RI, CT, VT, NH & ME).
Fees may reduce earnings.