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Deposit Account Rates

Effective 10/1/21

Money Market Accounts

Type of AccountMinimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to obtain APY*
Money Market $1,0000.05%
0.05%
0.05%
0.10%
0.05%
0.05%
0.05%
0.05-0.10%
$0.01 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000+
Max Money Market $1,0000.05%
0.10%
0.10%
0.15%
0.05%
0.10%
0.10%
0.15%
$0.01 - $249,999.99
$250,000 - $499,999,99
$500,000 - 1,000,000
1,000,000+

Savings Accounts

Type of Account Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
Smart Savings + Adventure Savings** $100.03%
0.05%
0.05%
0.10%
0.03%
0.03% - 0.04%
0.04% - 0.05%
0.05% - 0.10%
$0.01 - $9,999.99
$10,000 -$24,999.99
$25,000 - $49,999.99
$50,000+
Health Savings Account**$100.03%
0.05%
0.07%
0.03%
0.05%
0.07%
$0.01 - $2,499.99
$2,500 - $19,999.99
$20,000+
Statement Holiday Clubs$100.05%0.05%$10

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 $5000.35%0.35%$500
24 Months $5000.40%0.40%$500
30 Months $5000.40%0.40%$500
36 Months $5000.50%0.50%$500
48 Months $5000.55%0.55%$500
60 Months $5000.60%0.60%$500

IRA Money Market

Minimum Opening Balance Balance Interest Rate Annual Percentage YieldMinimum Balance to Obtain APY*
$50$0.01 - $49,9990.15%0.15%$50
$50$50,000+0.15%0.15%$50

Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
3 Months $1,0000.20%0.20%$1,000
6 Months $1,0000.25%0.25%$1,000
12 Months $1,0000.25%0.25%$1,000
18 Months $1,0000.35%0.35%$1,000
24 Months $1,0000.40%0.40%$1,000
30 Months $1,0000.40%0.40%$1,000
36 Months $1,0000.50%0.50%$1,000
48 Months $1,0000.55%0.55%$1,000
60 Months $1,0000.60%0.60%$1,000

Checking Accounts

Type of Accounts Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Opening Balance to Obtain APY*
Max Checking1$100.10%
0.05%
0.05-0.10%
0.05%
$0.01 - $25,000
$25,000+
eChecking2$100.10%
0.05%
0.05-0.10%
0.05%
$0.01 - $25,000
$25,000+
Value NOW Checking3$1,0000.03%0.03%$0.01
Senior Checking$100.03%0.03%$0.01
Smart Checking $100.00%0.00%$0.00

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.
**Interest is paid on the amount of money on deposit in each tier, creating a blended interest rate for the entire balance.
1 The interest rate of 0.10% APY is paid on balances up to $25,000. Balances over $25,000 earn 0.05% APY, if qualifications are met. Your interest rate and APY may change at our discretion. Qualifying requirements must be met during each monthly statement cycle to earn the APY including: 12 Debit Card purchases, e-Statements, Direct Deposit or one ACH transaction per statement cycle. If any qualifying requirements are not met, the account will earn a nominal rate of 0.05% APY on the entire balance.
2 The interest rate of 0.10% APY is paid on balances up to $25,000. Balances over $25,000 earn 0.05% APY, if qualifying requirements are met. Your interest rate and APY may change at our discretion. Qualifying requirements must be met during each monthly statement cycle to earn the APY including: 10 Debit Card purchases, e-Statements, Direct Deposit or one ACH transaction per statement cycle. If any qualifying requirements are not met, the account will earn a nominal rate of 0.05% APY on the entire balance.
3 A maintenance fee of $5.00 will be imposed every statement cycle if the average balance in the account falls below $1,000 during the statement cycle. Maintenance fee will be waived with a direct deposit.

Rates of the above accounts, except for Certificates of Deposit (CDs), may change after the account is opened. CDs may incur a penalty for early withdrawal.

Online account opening available to New England residents only.