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CDs & IRAs

High yields. No Risk.

If you’re looking for maximum earnings over a few months or a few years, then a Bay State Savings Bank Certificate of Deposit (CD) is an excellent choice. Terms range from 3 months to 5 years, giving you the added flexibility to meet your goals. Or, if you are serious about saving for college or retirement, check out our traditional IRAs, Roth IRAs, SEP IRAs and Educational IRAs. We also offer easy rollovers from funds held at other financial institutions.

Our CDs and IRAs include:

  • Competitive interest rates compounded monthly
  • Terms from 91 days to 5 years
  • Full security with FDIC and DIF protection

NOTICE: IRA products are only available to Massachusetts residents

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).