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Bank Deposit, Money Market & CD Rates in MA


Bank Deposits

Annual Percentage Yields (APY) are accurate as of August 11, 2023 and are subject to change at any time.

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CD Specials3

Type Interest Rate APY Min. Balance to Earn APY
8 Month Certificate
 3.15% 3.25%
$2,500
14 Month CD 4.44% 4.60% $500
20 Month IRA CD5 4.20% 4.35% $500

Checking Special
Type
 Interest Rate APY Min. Balance to Earn APY
e by UniBank1
Tier I Interest
(on balances less than $15,000)
1.71%
1.75%
$10 - $14,999.99
Bonus Rates
(When min. requirements are met)
Tier II Interest
(on balances greater than or equal to $15,000)
0.44%
1.75% - 0.84%
$15,000.00

Basic Rate
(on entire balance when min. requirements are NOT met)
 0.01%
0.01%
$10

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%

 $2,500
6 Month Certificate 0.49% 0.50% $2,500
8 Month Certificate
3.15%
3.25%
$2,500

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

4.44%

4.60%

 $500
2 Year CD 1.23% 1.25% $500
3 Year CD
1.32%
1.35%
$500
5 Year CD
1.71%
1.75%
$500
1 Year UniStep CD4
2.19%
2.25%
$500
2 Year UniStep CD4
2.68%
2.75%
$500
3 Year UniStep CD4
3.15%
3.25%
$500
1 Year IRA CD5
2.92%
3.00%
$500
20 Month IRA CD5
4.20%
4.35%
$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 following benefits can be obtained in a given monthly statement cycle when the statement cycle conditions noted below are met:

Payment of a higher interest rates (Bonus Rates) and refund for nationwide ATM surcharge transaction fees to a maximum of $25 per cycle. Statement cycle conditions: Must have a minimum of 8 debit card purchase transactions that post and settle to the account during the statement cycle (not all purchase transactions post or settle on the day they occur); and maintain active enrollment in eStatements. If any one of the minimum requirements are not met in a statement cycle nationwide ATM fees will not be refunded and the Basic Rate of Interest will be earned on the total account balance. Limit of one account per customer holding the position of primary account holder. Bonus rate of interest APY range assumes a maximum deposit of $50,000 for illustration purposes only. The account does not have a maximum deposit limit. 

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.