| Minimum Balance to Earn APY | Interest Rate | Annual Percentage Yield (APY) |
| $10 - $49,999.99 | 0.995% | 1.00% |
| $50,000 - $149,999.99 | 1.49% | 1.50% |
| $150,000 - $249,999.99 | 3.68% | 3.75% |
| ≥ $250,000 | 3.92% | 4.00% |
| Bonus Tier* ≥ $250,000 | 4.16% | 4.25% |
* Bonus tier for customers with a Performance Plus Checking account.
Rate Information – See Savings Accounts – Common Features section in the Handbook for more information.
Minimum balance to avoid the imposition of fees – Except for Retirement Accounts, a monthly maintenance service charge of $10 will be imposed every statement cycle if the average monthly balance drops below $1,000. The average monthly balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. There is an annual fee for Retirement accounts. A fee will be charged for each Trustee Transfer to another financial institution for all Retirement accounts. Retirement Plans are not available online. See separate Personal Account Fee Schedule for a complete list of fees and charges.
Foreign (non-CSB) ATM Surcharge Rebates – Receive up to $12 in ATM surcharge (other banks’ fees) refunds each month on this account.
Conditions and Limitations –
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You must deposit at least $1 ($100 for Retirement accounts) to open this account.
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You must live or work in Massachusetts.
Member FDIC