Savings and Certificates of Deposit

• Earns a variable tiered interest rate; compounded and credited monthly
• Withdraw at any time without notice or penalty
• ATM access available
• $50 minimum to open

• $1.00 per month if your minimum daily balance
  falls below $350

Effective Date: 7/2/2008

Minimum to open $50
*Rate may change after account opening.
Fees may reduce earnings and are subject to change without notice.

• Earns a variable tiered interest rate; compounded and credited monthly
• No risk investment that pays a higher interest rate
• Check writing privileges
• Six preauthorized, automatic, or telephone transfer to another account or to third parties per statement cycle (no more than three checks can be made to a third party)
• Available to Massachusetts residents
• Insured in full by the FDIC and DIF
• $2,500 minimum to open

• $8 monthly fee if your minimum daily balance falls below $2,500
• $10 fee for each check, draft, debit card or online banking transaction to a third party in
• excess of 3 per statement cycle

Effective Date: 7/2/2008

Minimum to open $2,500.
*Rate may change after account opening.
Fees may reduce earnings and are subject to change without notice.