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Rates

Money Market Rates

Smile Worcester County Consumer Money Market

Effective Date: Tuesday, December 11, 2018

For balances of APY*Minimum to open
$5,000 and above2.35%$5,000
Under $5,0000.00%$5,000

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*Annual Percentage Yields may change at any time without notice. Minimum opening deposit of $5,000 required, and $5,000 is the minimum balance required to earn the stated APY and avoid a monthly service charge of $7.00. No interest will be earned in a monthly statement cycle if the balance falls below $5,000. 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: Tuesday, December 11, 2018

For balances of APY* Minimum to open
$5,000 and above2.35%$5,000
Under $5,0000.00%$5,000

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*Annual Percentage Yields may change at any time without notice. Minimum opening deposit of $5,000 required, and $5,000 is the minimum balance required to earn the stated APY and avoid a monthly service charge of $7.00. No interest will be earned in a monthly statement cycle if the balance falls below $5,000. 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: Tuesday, December 11, 2018

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: Tuesday, December 11, 2018

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.