Bank Deposit, Money Market & CD Rates in MA
Bank Deposits
Annual Percentage Yields (APY) are accurate as of September 19, 2025 and are subject to change at any time.
Open an Account
CD Specials3
| Type | Interest Rate | APY | Min. Balance to Earn APY |
|---|---|---|---|
|
6 Month IRA CD
|
3.82% | 3.95% | $500 |
|
8 Month Certificate
|
3.82% | 3.95% |
$500
|
| 14 Month CD | 3.68% | 3.80% | $500 |
| 3 Year CD |
3.15%
|
3.25%
|
$500
|
| 20 Month IRA CD5 |
3.49%
|
3.60% | $500 |
Checking Special
Tiered Rate Money Market Account2
| Type | Interest Rate | APY | Min. Balance to Earn APY |
|---|---|---|---|
|
≥ $100,000 |
1.24% |
1.25% |
$100,000 |
|
$50,000 - $99,999.99 |
0.75% | 0.75% |
$50,000
|
| $2,500 - $49,999.99 |
0.35%
|
0.35%
|
$2,500
|
| $10 - $2,499.99 |
0.10%
|
0.10%
|
$10
|
Short Term Statement Certificates of Deposit3
| Type | Interest Rate | APY | Min. Balance to Earn APY |
|---|---|---|---|
| 91 Day Certificate |
0.25% |
0.25% |
$500 |
|
6 Month IRA CD
|
3.82% | 3.95% |
$500
|
| 6 Month Certificate | 0.49% | 0.50% | $500 |
|
8 Month Certificate
|
3.82%
|
3.95%
|
$500
|
Long Term Statement Certificates of Deposit3
| Type | Interest Rate | APY | Min. Balance to Earn APY |
|---|---|---|---|
| 1 Year CD |
0.98% |
1.00% |
$500 |
| 14 Month CD |
3.68% |
3.80% |
$500 |
| 2 Year CD | 1.23% | 1.25% | $500 |
| 3 Year CD |
3.15%
|
3.25%
|
$500
|
| 5 Year CD |
1.71%
|
1.75%
|
$500
|
| 1 Year UniStep CD4 |
0.98%
|
1.00%
|
$500
|
| 2 Year UniStep CD4 |
1.23%
|
1.25%
|
$500
|
| 3 Year UniStep CD4 |
1.23%
|
1.25%
|
$500
|
| 1 Year IRA CD5 |
0.98%
|
1.00%
|
$500
|
| 20 Month IRA CD5 |
3.49%
|
3.60%
|
$500
|
| 2 Year IRA CD5 |
1.23%
|
1.25%
|
$500
|
| 3 Year IRA CD5 |
1.32%
|
1.35%
|
$500
|
| 4 Year IRA CD5 |
1.47%
|
1.50%
|
$500
|
| 5 Year IRA CD5 |
1.71%
|
1.75%
|
$500
|
Open an Account
UniBank for Savings is a community bank and welcomes deposit relationships with individuals and businesses in the markets it serves. Municipalities: please contact your Relationship Manager for information on Municipal Rates. Rates may change any time after account opening. Fees may reduce earnings on the accounts. Some restrictions may apply.
1 The interest rate and annual percentage yield for your account depend upon the applicable rate tier. The interest rate and annual percentage yield for these tiers may change. The APY range assumes a maximum deposit of $50,000 for illustration purposes only. Fees may reduce earnings. The account does not have a maximum deposit limit. Refund of domestic ATM surcharge transaction fees are capped at $25.00 per statement cycle. Non-UniBank ATM Surcharges are those fees charged by the bank that owns the non-UniBank ATM used. If the eligibility requirements are not met the account will earn a lower interest rate and corresponding APY and will not be eligible for refund of ATM surcharge transaction fees. Minimum balance of $10 to open the account. Other restrictions may apply. Limit one account per customer holding position of primary account holder.
- In order to be eligible for the disclosed Tier I and Tier II interest rate, Annual Percentage Yield (APY), and refund of domestic ATM Surcharges the following conditions must be met in a given statement cycle.
- A minimum of 8 posted and settled debit card purchase transactions during the statement cycle. Not all purchase transactions post or settle on the day they occur.
- Active enrollment in e-statements – you must sign into your online banking account at least once every 12 months to keep enrollment active.
2 Personal accounts only.
3 A penalty for early withdrawal may be imposed. Additional maturities are available.
4 Rates may change after the account is opened if you should exercise your right to change the rate one time after account opening.
5 A penalty may be imposed for early withdrawals. Early withdrawal may also result in tax implications. Additional maturities are available.
6 There is a maximum deposit limit of $1,000,000.
For further information contact your local branch manager, or call us at (800) 578-4270. Disclosures.