Your choice of a 7-month, 15-month, or 23-month CD, all with great rates!

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


Term Interest Rate APY* Minimum to Open
7-month certificate 4.87% 5.00% $1,000
15-month certificate 4.40% 4.50% $1,000
23-month certificate 3.92% 4.00% $1,000

You may also visit any of our convenient branch locations to open the above CD Special.

Effective Date: Monday, Apr 22, 2024

*APY is Annual Percentage Yield and accurate as of  Monday, Apr 22, 2024. $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.

Reach Out With Questions About Setting Up Your CD!