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Rates

Deposit Rates

Printable Deposit Rates

Savings and Checking Accounts

Effective: April 1, 2017

NOTE: This deposit rate sheet is for previous North Middlesex Savings Bank accounts which will remain in effect until June 5, 2017.
Account TypeMinimum Balance RequirementInterest RateAPY*
Easy MAX Checking*$10.00 - $24,999.991.10%1.09%
$25,000.00 and over0.20%0.20%
-Standard Rate$10.000.01%0.01%
Personal Money Market***$10.00 - $999.990.10%0.10%
$1,000.00 - $24,999.990.15%0.15%
$25,000.00 - $99,999.990.25%0.25%
$100,000.00 - $749,999.990.25%0.25%
$750,000.00 and over0.25%0.25%
Business Money Market***$10.00 - $999.990.10%0.10%
$1,000.00 - $9,999.990.15%0.15%
$10,000.00 -$49,999.990.25%0.25%
$50,000.00 and over0.25%0.25%
Easy MAX Statement Savings**$10.00 - $9,999.990.60%0.60%
$10,000.00 and over0.20%0.20%
-Standard Rate$10.000.10%0.10%
Easy Passbook Savings Account$10.000.10%0.10%
Easy Club Account$10.000.20%0.20%
 

Fees could reduce the earnings on these accounts. Rates on these accounts may change after account opening.

*Easy MAX Checking:To earn the MAX Rate the account must, during the eligibility cycle**,  have: 12 posted debit card purchases, (excluding ATM's), receive account statement electronically (requires EasyLINK) and receive a recurring direct deposit of a payroll, pension or government issued credit. If these conditions are not met during the eligibility cycle, the account will earn the Standard Rate disclosed on the accompanying rate sheet. **The eligibility cycle starts the third Thursday of each month and ends the third Tuesday of the next month.

**Easy MAX Statement Savings: To earn the maximum rate, the account must have posted during the eligibility cycle* at least one $50.00 deposit . If this condition is not met, the account will earn the Standard Rate disclosed. **The eligibility cycle starts the third Thursday of each month and ends the third Tuesday of the next month.
 

***Money Market Accounts: $1,000 minimum deposit to open.

Certificates of Deposit

NOTE: This deposit rate sheet is for previous North Middlesex Savings Bank accounts which will remain in effect until June 5, 2017.

Effective: April 1, 2017

With fixed-rate term accounts, rates are guaranteed for the length of the term. Rates on other accounts may change after the account is opened. Early withdrawal penalties may apply.

Account TypeMinimum Balance RequirementInterest RateAPY*
3 Month Certificate$ 1,000.000.30%0.30%
6 Month Certificate$ 1,000.000.45%0.45%
1 Year Certificate$ 1,000.000.65%0.65%
18 Month Certificate$ 1,000.001.00%1.01%
2 Year Certificate$ 1,000.001.15%1.16%
3 Year Certificate$ 1,000.001.20%1.21%
4 Year Certificate$ 1,000.001.35%1.36%
5 Year Certificate$ 1,000.001.50%1.51%
 

Please call NMSB Customer Service at 978-772-3306 for more information.

Retirement Certificates

Effective: April 1, 2017

Account TypeMinimum Balance RequirementInterest RateAPY*
1 Year Certificate$ 500.000.70%0.70%
18 Month Certificate$ 500.001.05%1.06%
2 Year Certificate$ 500.001.20%1.21%
3 Year Certificate$ 500.001.25%1.26%
4 Year Certificate$ 500.001.40%1.41%
5 Year Certificate$ 500.001.55%1.56%
 

*The annual percentage yield is stated as "APY".

Printable Deposit Rates