Certificates of Deposit

Open a Certificate of Deposit Account Today!

For the individual who doesn’t need immediate availability of funds, Certificates of Deposit (CD) offer a viable savings option, with high interest rates, the flexibility of long or short-term investment and the knowledge that your deposit is safe and secure.

If you are opening a CD online in an amount greater than $250,000, please be advised that Customer Service will need to assist you with funding the account.

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*Standard internet/telephone rates and fees apply.

Please refer to Bay State Savings Bank Retail Fee Schedule for current fees and charges.

Visit our Additional Services Page for information regarding our ATM services.

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).