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
6 Month	3.54%	3.60%
9 Month	0.15%	0.15%

Monthly Compounding
1 Year 15 Month 18 Month	3.45% 0.25% 3.30%	3.50% 0.25% 3.35%
2 Year	1.98%	2.00%
30 Month	0.35%	0.35%
3 Year	0.40%	0.40%
4 Year	0.45%	0.45%

*The minimum balance to open and earn the stated APY is $1,000. Annual Percentage Yields (APYs) at time of maturity set based on prevailing financial conditions. Substantial penalty on certificates should the Bank consent to early withdrawal of principal.

The Federal Deposit Insurance Corporation (FDIC) insures deposits of up to $250,000. All portions of deposits in excess of $250,000 are insured by the Depositors Insurance Fund (DIF).

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. Minimum to earn the stated APY is $0.01.
**The minimum balance to open is $2,500.00. Minimum to earn the stated APY is $0.01.

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

The APYs are accurate as of the date listed.

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

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.