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Money Market Rates

Effective Date: Saturday, Feb 14, 2026

For Balances Of* APY* Minimum to Open
$0.01 to $999,999 0.20% $500
$1million and above 3.00% $500

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*Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings. 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 Bank account. New Money does not include money that is temporarily routed from a Bay State Bank account to one or more other destinations or mediums that are then used to fund the account.

Minimum balance of $1,000 required to avoid a monthly service charge of $7.00.

Effective Date: Saturday, Feb 14, 2026

For Balances Of* APY* Minimum to Open
$0.01 to $24,999.99 0.20% $5,000
$25,000.00 to $124,999.99 0.35% $5,000
$125,000.00 to $249,999.99 0.90% $5,000
$250,000.00 and above 1.40% $5,000

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*Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.

Minimum balance of $1,000 required to avoid a monthly service charge of $10.00.

Effective Date: Saturday, Feb 14, 2026

For Balances Of* APY* Minimum to Open
$0.01 to $24,999.99 0.20% $5,000
$25,000.00 to $124,999.99 0.35% $5,000
$125,000.00 to $249,999.99 0.90% $5,000
$250,000.00 and above 1.40% $5,000

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 Yield (APY) may change at any time without notice. Fees may reduce earnings.

Minimum balance of $1,000 required to avoid a monthly service charge of $10.00.