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Rates

Money Market Rates

Smile Worcester County Consumer Money Market

Effective Date: Wednesday, April 24, 2019

APY*Minimum to open
2.35%$5,000

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*Annual Percentage Yields may change at any time without notice. Minimum opening deposit of $5,000 required and is the amount to avoid a monthly service charge of $7.00. Minimum balance of $0.01 required to earn the stated APY. The interest rate and APY are variable and may change after the account is opened. Opening an account requires new money from a source other than an existing Bay State Savings Bank account. Account is limited to 6 third-party withdrawals per statement cycle. In-person withdrawals are unlimited. Fees could reduce earnings on this account.

 

Smile Worcester County Commercial Money Market

Effective Date: Wednesday, April 24, 2019

APY* Minimum to open
2.35%$5,000

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*Annual Percentage Yields may change at any time without notice. Minimum opening deposit of $5,000 required and is the amount to avoid a monthly service charge of $7.00. Minimum balance of $0.01 required to earn the stated APY. The interest rate and APY are variable and may change after the account is opened. Opening an account requires new money from a source other than an existing Bay State Savings Bank account. Account is limited to 6 third-party withdrawals per statement cycle. In-person withdrawals are unlimited. Fees could reduce earnings on this account.

Minuteman Money Manager

Effective Date: Wednesday, April 24, 2019

For balances ofAPY*Minimum to open
$0.01 to $499.990.10%$500
$500 and above1.15%$500

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*Annual Percentage Yields may change at any time without notice. Minimum balance of $1,000 required to avoid a monthly maintenance service charge of $7. Account is limited to 6 third-party withdrawals per statement cycle. In-person withdrawals are unlimited. Fees could reduce earnings on this account.

Commercial Money Market Savings

Effective Date: Wednesday, April 24, 2019

For balances of APY*Minimum to open
$0.01 to $24,999.990.30%$5,000
$25,000 to $124,999.990.40%$5,000
$125,000 to $249,999.990.75% $5,000
$250,000 and up1.25%$5,000

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*Annual Percentage Yields may change at any time without notice. Minimum balance of $1,000 required to avoid a monthly maintenance service charge of $10. Account is limited to 6 third-party withdrawals per statement cycle. In-person withdrawals are unlimited. Fees could reduce earnings on this account.