Rates

Checking   Savings   CDs & IRAs   Money Markets   Loans


Minuteman Checking

• Non-interest bearing
• Minimum of $10 to open
• Minimum daily balance of $500 in the Minuteman Checking account or a combined daily balance of $2,500 between all Bay State Savings Bank deposit accounts required to waive $7 monthly maintenance fee

NOW Checking

• Current APY*: 0.10%
• Minimum of $100 to open
• Minimum balance of $1,000 to waive $10 monthly maintenance fee
• Minimum balance of $0.01 to receive stated APY

*Annual Percentage Yield is accurate as of 2/9/10 and may change at any time without notice.  Fees could reduce earnings on this account.

Gold Rewards Checking

• Non-interest bearing, interest earned on Gold Rewards Savings Account
• Minimum of $10 to open
• Minimum combined balance of $5,000 and monthly direct deposit required to waive $15 monthly maintenance fee

Minuteman Liberty Checking

• Non-interest bearing, interest earned on Liberty Savings Account
• Minimum of $10 to open
• Minimum combined balance of $2,500 required to waive $10 monthly maintenance fee

IOLTA Checking

This checking account is exempt from state and federal 1099 tax reporting and the interest is remitted to the Mass IOLTA Committee.

• Current APY*: 1.00%
• Low opening balance of $100
• No monthly maintenance fees
• Minimum balance of $0.01 to receive stated APY

*Annual Percentage Yield is accurate as of 2/9/10 and may change at any time without notice.  Fees could reduce earnings on this account.