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Deposit Account Rates

Effective 11/17/22

Money Market Accounts

Type of AccountMinimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to obtain APY*
Money Market $1,0000.10%
0.15%
0.35%
0.50%
0.10%
0.10% -0.14%
0.14-0.25%
0.25-0.50%
$0.01 - $9,999.99
$10,000 - $49,999.99
$50,000 - $99,999.99
$100,000+
Max Money Market $1,0000.20%
0.40%
0.60%
0.90%
0.20%
0.40%
0.60%
0.90%
$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** $100.08%
0.15%
0.20%
0.30%
0.08%
0.08% - 0.12%
0.12% - 0.16%
0.16% - 0.30%
$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$100.15%0.15%$10

IRA Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
12 Months $5001.00%1.01%$500
18 Months $5002.50%2.53%$500
24 Months $5001.50%1.51%$500
30 Months $5001.70%1.71%$500
36 Months $5001.80%1.82%$500
48 Months $5001.90%1.92%$500
60 Months $5002.00%2.02%$500

IRA Money Market

Minimum Opening Balance Balance Interest Rate Annual Percentage YieldMinimum Balance to Obtain APY*
$50$0.01 - $49,9990.20%0.20%$50
$50$50,000+0.25%0.25%$50

Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
3 Months $1,0000.60%0.60%$1,000
6 Months $1,0000.70%0.70%$1,000
12 Months $1,0001.00%1.01%$1,000
18 Months $1,0002.50%2.53%$1,000
24 Months $1,0001.50%1.51%$1,000
30 Months $1,0001.70%1.71%$1,000
36 Months $1,0001.80%1.82%$1,000
48 Months $1,0001.90%1.92%$1,000
60 Months $1,0002.00%2.02%$1,000

Checking Accounts

Type of Accounts Minimum Opening BalanceInterest Rate Annual Percentage Yield (APY)Daily Minimum Opening Balance to Obtain APY*
eChecking1$100.10%
0.05%
0.05-0.10%
0.05%
$0.01 - $25,000
$25,000+
Value NOW Checking2$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 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.
2 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.

Fees may reduce earnings.

Online account opening available to New England residents only.