Please Note: All Bay State Bank locations will be closed on Tuesday, November 11th in observance of Veterans Day. As always, our ATMs and online/mobile banking services are available 24/7.
Unlike some of the other area banks, we go the extra mile with our combination of FDIC and DIF insurance to ensure your money is safe, secure, and 100% insured. We’ve got you covered.
Open CD Now
3.440%
You may also visit any of our convenient branch locations to open the above CD Special.
*APY is Annual Percentage Yield and accurate as of Saturday, Nov 1, 2025. $1,000 minimum to open. This account must be funded only by New Money. “New Money” means money used to fund this account that comes from a source other than a Bay State Savings Bank account. New Money does not include money that is temporarily routed from a Bay State Savings Bank account to one or more other destinations or mediums that are then used to fund the account. Minimum $0.01 to earn stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Limited time offer and subject to change without notice. Additional terms and conditions apply.
**Add funds 3x during the term! Annual Percentage Yield (APY) of 4.00% is accurate as of Saturday, Nov 1, 2025. $1,000 minimum to open. Account must be funded with New Money not currently on deposit with Bay State Bank. Minimum $0.01 to earn APY. Up to three (3) additional deposits allowed during the term, each of at least $1,000. A penalty may apply for early withdrawal. Fees may reduce earnings. Offer subject to change without notice.