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Interest Rates on Certificates of Deposit and IRAs

Effective 02/23/24

Check out our Rate Specials!

Certificates of Deposit - Consumer & Business Rates

CD TermMinimum Opening BalanceInterest Rate**Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
3 Months $1,0002.50%2.50%$1,000
6 Months $1,0003.00%3.00%$1,000
12 Months $1,0004.75%4.86%$1,000
18 Months $1,0004.40%4.50%$1,000
24 Months$1,0004.10%4.18%$1,000
30 Months^$1,0004.00%4.08%$1,000
36 Months$1,0003.90%3.98%$1,000
48 Months$1,0003.85%3.92%$1,000
60 Months $1,0003.75%3.82%$1,000

IRA Certificates of Deposit

CD Term Minimum Opening BalanceInterest Rate**Annual Percentage Yield (APY)Daily Minimum Balance to Obtain APY*
12 Months$5004.75%4.86%$10
18 Months$5004.40%4.50%$10
24 Months $5004.10%4.18%$10
30 Months^$5004.00%4.08%$10
36 Months$5003.90%3.98%$10
48 Months$5003.85%3.92%$10
60 Months$5003.75%3.82%$10

IRA Money Market

Minimum Opening BalanceBalanceInterest Rate**Annual Percentage YieldMinimum Balance to Obtain APY*
$50$0.01 - $49,9990.50%0.50%$50
$50$50,0000.75%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.