Skip to Main Content

Interest Rates on Certificates of Deposit and IRAs

Effective 12/09/21

Certificates of Deposit

CD TermMinimum Opening BalanceInterest Rate**Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
3 Months $1,0000.15%0.15%$1,000
6 Months $1,0000.20%0.20%$1,000
12 Months $1,0000.25%0.25%$1,000
18 Months $1,0000.30%0.30%$1,000
24 Months$1,0000.35%0.35%$1,000
30 Months^$1,0000.40%0.40%$1,000
36 Months$1,0000.40%0.40%$1,000
48 Months$1,0000.45%0.45%$1,000
60 Months $1,0000.50%0.50%$1,000

IRA Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate**Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
12 Months$5000.25%0.25%$500
18 Months$5000.30%0.30%$500
24 Months $5000.35%0.35%$500
30 Months^$5000.40%0.40%$500
36 Months$5000.40%0.40%$500
48 Months$5000.45%0.45%$500
60 Months$5000.50%0.50%$500

IRA Money Market

Minimum Opening BalanceBalanceInterest Rate**Annual Percentage YieldMinimum Balance to Obtain APY*
$50$0.01 - $49,9990.15%0.15%$50
$50$50,0000.15%0.15%$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.
**Rate may change after account opening.
^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.