Deposit

Rates as of //

Rates are set by the Bank and subject to change without notice.
Please call us at 617-471-0750 to verify current rates and APY.

Fixed Interest Rates

Certificate of Deposit

	Rate	Annual Percentage Yield (APY)
Simple Interest*
5 Month*** 6 Month	4.49% 0.25%	4.55% 0.25%
7 Month	0.25%	0.25%
8 Month 9 Month 11 Month***	0.25% 0.25% 4.04%	0.25% 0.25% 4.05%
Monthly Compounding*

1 Year 13 Month 14 Month 17 Month 18 Month	0.35% 0.35% 0.35% 0.45% 0.45%	0.35% 0.35% 0.35% 0.45% 0.45%
2 Year 27 Month	0.45% 0.45%	0.45% 0.45%
30 Month	0.45%	0.45%
3 Year	0.55%	0.55%
4 Year	0.65%	0.65%

*The minimum balance to open and earn the stated APY is $1,000.
***Certificate of Deposit maximum deposit amount is $250,000.00. Personal accounts only.

Variable Interest Rates

Money Market

	Rate	Annual Percentage Yield (APY)
High Yield Reserve*
Balances below $75,000.00	0.15%	0.15%
$75,000.00 and over	0.30%	0.30%
Tiered Money Market*
Balances below $5,000.00	0.05%	0.05%
$5,000.00 to $14,999.99	0.10%	0.10%
$15,000.00 to $24,999.99	0.15%	0.15%
$25,000.00 to $49,999.99	0.20%	0.20%
$50,000.00 and over	0.25%	0.25%
Money Market**
Balances below $2,500.00	0.05%	0.05%
$2,500.00 and over	0.10%	0.10%

*The minimum balance to open is $5,000.00
**The minimum balance to open is $2,500.00.

Savings and Checking

	Rate	Annual Percentage Yield (APY)
Checking
NOW*	0.05%	0.05%
FREE**	0.00%	0.00%

*The minimum balance to open is $250.00. The minimum balance to earn the stated APY is $50.00.

**The minimum balance to open is $25.00.

	Rate	Annual Percentage Yield (APY)
Savings
Passbook*	0.10%	0.10%
Statement*	0.10%	0.10%
Savings Builder**	0.10%	0.10%
Club***	0.05%	0.05%

*The minimum balance to open is $200.00. The minimum balance to earn the stated APY is $50.00.
**The minimum balance to open and earn the stated APY is $50.00.
***The minimum balance to open and earn the stated APY is $10.00.

Account Disclosures

Interest is paid the first of each month on all accounts, except the 3 month certificate of deposit, which is paid at maturity.

Deposits are allowed at maturity of the certificate, except for the Savings Builder and 18 month IRA certificates of deposit which are allowed at any time.

A penalty may be imposed for early withdrawal of funds as follows:

90 Days simple interest on certificates of one year or less
180 Days simple interest on certificates with terms greater than one year.

For variable rate accounts, the rate may change after the account is opened.

Fees could reduce earnings on these accounts.

Please contact us for complete account disclosures.