IRA Rates

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

Please visit any of our convenient branch locations to open the above IRA Special.

Effective Date: Saturday, May 18, 2024

*APY is Annual Percentage Yield and is accurate as of Friday, Feb 9, 2024. $1,000 minimum to open. Account must be entirely funded by new money to Bay State Savings Bank. 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 may apply. IRAs must be opened in person. Please consult a tax advisor.

Effective Date: Saturday, May 18, 2024

Term Interest Rate APY**
3-month certificate 0.499% 0.50%
6-month certificate 0.747% 0.75%
12-month certificate 0.995% 1.00%
18-month certificate 1.490% 1.50%
24-month certificate 1.982% 2.00%
36-month certificate 2.472% 2.50%
48-month certificate 2.716% 2.75%
60-month certificate 2.960% 3.00%

To open an account, please call Customer Service at 508-890-9000 or 800-244-8161 or visit one of our branch locations.

**Annual Percentage Yields (APY) and Interest Rates are for fixed rate IRAs and may change at any time without notice. Minimum opening deposit of $500 is required for all fixed rate IRAs and is the minimum balance required to receive stated APYs. Fees may reduce earnings. A penalty may be imposed for early withdrawal. These offers are subject to change without notice. Additional terms and conditions may apply. IRAs must be opened in person. Please consult a tax advisor.

Effective Date: Saturday, May 18, 2024

Interest Rate APY*** Minimum to Open
2.959% 3.00% $10

To open an account, please call Customer Service at 508-890-9000 or 800-244-8161 or visit one of our branch locations.

***Annual Percentage Yields (APY) may change at any time.. Minimum opening deposit of $10 is required. Minimum balance to receive stated APY is $0.01.  Fees may reduce earnings. This offer is subject to change without notice. Additional terms and conditions may apply. IRAs must be opened in person. Please consult a tax advisor.