Deposit Rates

Deposit Account Rates Effective August 14, 2017

Type of Accounts Minimum Opening Balance Interest Rate Annual Percentage Yield (APY) Daily Minimum Balance to obtain APY*

Money Market

Money Market** $1,000.00 .10% .15% .30% .45% .10% 0.10% - 0.14% 0.14% - 0.22% 0.22% - 0.45% $0.01 - $9,999.99 $10,000.00 - $49,999.99 $50,000.00 - $99,999.99 $100,000.00 or greater

Savings Account

Smart Savings** $10.00 .05% .10% .15% .25% 0.05% 0.05% - 0.08% 0.08% - 0.12% 0.12% - 0.25% $0.01 - $9,999.99 $10,000.00 - $24,999.99 $25,000.00 - $49,999.99 $50,000.00 or greater
Health Saving Account** $10.00 .10% .15% .25% .10% .10% - .14% .14% - .25% $0.01 - $2,499.99 $2,500 - $19,999.99 $20,000.00 or greater
Passbook Acct. $10.00 .10% .10% $10.00
Statement Holiday Clubs $10.00 .10% .10% $10.00
** Interest is paid on the amount of money on deposit in each tier, creating a blended interest rate for the entire balance.

Checking Accounts

eChecking1 $10 1.55%   .35% 0.35-1.56%   .35% $.01 - $25,000  $25,000.01 or greater
1In order to earn the higher rate for balances of $25,000 or less and be eligible for surcharge refunds, you must be enrolled in Avidia Bank’s Internet banking product and sign on at least once per statement cycle, receive your statement electronically, have at least one direct deposit or other ACH transaction per statement cycle, and perform a minimum of (10) ten purchases with your debit card each statement cycle. If you do not meet all of these requirements, you will receive the lower rate on your entire balance. If requirements are not met, the rate will revert to the Value NOW Checking Account rate for the entire balance.
The Most Account $7,500.00*** .02% .07% .12% .02% .07% .12% $.01 - $24,999 $25,000 - $49,999 $50,000 or greater
*** Minimum balance of $7,500 is required to avoid monthly maintenance fee of $10. Direct deposit is required. Fees may reduce earnings.
Value NOW Checking $1,000.00 0.05% 0.05% $0.01
Senior Checking $10.00 0.05% 0.05% $0.01
Smart Checking $10.00 0.00% 0.00% $0.00
*Daily Minimum Balance (the amount of principal in the account each day)

Rates on the above accounts may change after the account is opened. Fees could reduce the earnings on some accounts.

Contact a Customer Service Representative at any of our locations for further information about applicable fees and terms, or our call center at (800) 508-2265.

Online account opening available to New England residents only.