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Deposit Rates

Rates as of September 22, 2023 All rates subject to change without notice.

Standard Deposit Rates

Account Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Relationship Checking BASIC Level .01% .01% $10 $500
Statement Savings .02% .02% $10 $10
Emerald Money Market



$500,000 + 1.21% 1.20% $10 $500,000
$100,000 - $499,999.99 1.11% 1.10% $10 $100,000
$50,000 - $99,999.99 1.11% 1.10% $10 $50,000
$25,000 - $49,999.99 1.06% 1.05% $10 $25,000
$10,000- $24,999.99 1.06% 1.05% $10 $10,000
$1,000 - $9,999.99 1.03% 1.02% $10 $1,000


**Account opening is subject to approval.

Health Savings Accounts

Eligible individuals can open a tax-exempt Health Savings Account (HSA) to pay for certain medical expenses. Funds can be accessed by a check or debit card. Contributions can be deducted from your gross income and funds remain in the account from year to year until you choose to use them.


Relationship Checking Plus Level Deposit Rates**

These increased rate benefits are applied to the accounts that qualify for the Plus level benefits of our Relationship Checking product. All benefits will be applied each month according to the fulfillment of requirements in the previous month. Visit our Relationship Checking product page for complete details on how to qualify to receive Plus level benefits.


Account Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Relationship Checking PLUS Level** .06% .06% $10 $500
Statement Savings** .07% .07% $10 $10
Emerald Money Market**



$500,000 + 1.26% 1.25% $10 $500,000
$100,000 - $499,999.99 1.16% 1.15% $10 $100,000
$50,000 - $99,999.99 1.16% 1.15% $10 $50,000
$25,000 - $49,999.99 1.11% 1.10% $10 $25,000
$10,000- $24,999.99 1.11% 1.10% $10 $10,000
$1,000 - $9,999.99 1.08% 1.07% $10 $1,000
**Interest rate reward over the current rate on Relationship Checking, Statement Savings, and Emerald Money Market accounts to be applied each month according to the fulfillment of requirements in the previous month: maintain a $500 average monthly balance in Relationship Checking to waive $20 monthly maintenance fee and $7,500 in average monthly aggregate deposit balances including, consumer Checking, Statement Savings, Emerald Money Market, Certificates of Deposit & Individual Retirement Accounts or outstanding loan balances of $50,000.  Aggregate Consumer Balances include Free Checking, Pentucket Relationship Checking, Pentucket Activity Checking, 18 and 65 Checking Accounts, Statement Savings, Emerald Money Market, Certificates of Deposit (CD), and Individual Retirement Accounts (IRA). Interest rate rewards are subject to change.


Relationship Checking Premier Level Deposit Rates**

These increased rate benefits are applied to the accounts that qualify for the Premier level benefits of our Relationship Checking product. All benefits will be applied each month according to the fulfillment of requirements in the previous month. Visit our Relationship Checking product page for complete details on how to qualify to receive Premier level benefits.

Account Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Relationship Checking PREMIER Level** .11% .11% $10
Statement Savings** .12% .12% $10 $10
Emerald Money Market**



$500,000 + 1.31% 1.30% $10 $500,000
$100,000 - $499,999.99 1.21% 1.20% $10 $100,000
$50,000 - $99,999.99 1.21% 1.20% $10 $50,000
$25,000 - $49,999.99 1.16% 1.15% $10 $25,000
$10,000- $24,999.99 1.16% 1.15% $10 $10,000
$1,000 - $9,999.99 1.13% 1.12% $10 $1,000
**Interest rate reward over the current rate on Relationship Checking, Statement Savings, and Emerald Money Market accounts to be applied each month according to the fulfillment of requirements in the previous month: maintain a $500 average monthly balance in Relationship Checking to waive $20 monthly maintenance fee and $50,000 in average monthly aggregate deposit balances including, consumer Checking, Statement Savings, Emerald Money Market, Certificates of Deposit & Individual Retirement Accounts or outstanding loan balances of $100,000.  Aggregate Consumer Balances include Free Checking, Pentucket Relationship Checking, Pentucket Activity Checking, 18 and 65 Checking Accounts, Statement Savings, Emerald Money Market, Certificates of Deposit (CD), and Individual Retirement Accounts (IRA). Interest rate rewards are subject to change.

Regular CD Rates

CD Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Certificates of Deposit



6 Month 2.85% 2.81% $500 $500
1 Year 3.40% 3.35% $500 $500
18 Month 3.14% 3.10% $500 $500
2 Year 3.90% 3.83% $500 $500
3 Year 3.90% 3.83% $500 $500
4 Year 2.12% 2.10% $500 $500
5 Year 2.12% 2.10% $500 $500
IRA Certificates of Deposit



1 Year 3.40% 3.35% $500 $500
18 Month 3.14% 3.10% $500 500
2 Year 3.90% 3.83% $500 $500
3 Year 3.90% 3.83% $500 $500
4 Year 2.12% 2.10% $500 $500
5 Year 2.12% 2.10% $500 $500

Preferred CD Rates**

Preferred CDs and IRA/CDs are accessible to customers who qualify for Premier level benefits of our Relationship Checking product. Visit our Relationship Checking product page or contact your local branch for details on how to qualify to receive Preferred Rate CDs and IRA/CDs.

CD Type Annual Percentage Yield Interest Rate Minimum Deposit to Open Minimum Daily Balance* to Obtain APY
Preferred
Certificates of Deposit



6 Month 3.00% 2.96% $500 $500
1 Year 3.56% 3.50% $500 $500
18 Month 3.30% 3.25% $500 $500
2 Year 4.05% 3.98% $500 $500
3 Year 4.05% 3.98% $500 $500
4 Year 2.27% 2.25% $500 $500
5 Year 2.27% 2.25% $500 $500
Preferred
IRA Certificates of Deposit



1 Year 3.56% 3.50% $500 $500
18 Month 3.30% 3.25% $500 $500
2 Year 4.05% 3.98% $500 $500
3 Year 4.05% 3.98% $500 $500
4 Year 2.27% 2.25% $500 $500
5 Year 2.27% 2.25% $500 $500
**You must have an active Relationship Checking Account that is receiving Premier Level Benefits based on the previous month's balance requirements ($500.00 average monthly balance in the Pentucket Relationship Checking account and monthly aggregate deposit balance of $50,000.00 or an outstanding loan balance of $100,000.00).

Visit our Relationship Checking product page or contact your local branch for details on how to qualify to receive Preferred Rate CDs and IRA/CDs.


All Accounts

Fees may reduce earnings 
Rates may be subject to change without notice. 
For variable rate products, the rate may change after account opening. 
Certificates will be subject to penalty for early withdrawal. 
The APY assumes interest will remain on deposit until maturity.

*Daily Balance (the amount of principal in the account each day)

 
For additional rate information please contact your local branch.