• Use our deposit calculator to estimate your monthly earnings.

CDs & IRAs* (Effective: Saturday, May 17, 2008)
Program	Term	APY
Certificates of Deposit ($1,000 minimum deposit to open.)	6 months	3.00%
	12 months	2.25%
	18 months	2.25%
	24 months	2.50%
	30 months	2.50%
	36 months	3.00%
	48 months	3.00%
Individual Retirement Accounts ($250 minimum deposit to open.)	6 months	3.00%
	12 months	2.25%
	18 months	2.25%
	24 months	2.50%
	30 months	2.50%
	36 months	3.00%
	48 months	3.00%
*Annual Percentage Yield (APY) assumes interest remains on deposit. Interest is compounded daily and credited monthly. Fees could reduce earnings. Early withdrawal penalties may be imposed.

Checking Accounts* (Effective: Saturday, May 17, 2008)
Program	Minimum Daily Balance to earn APY	APY
Interest Checking ($10 minimum deposit to open.)	$10.00	0.25%
*Annual Percentage Yield (APY) assumes interest remans on deposit. Fees could reduce earnings. The interest rate and APY may change after the account is opened.

Savings & Money Market Accounts* (Effective: Saturday, May 17, 2008)
Program	Minimum Daily Balance to earn APY	APY
Freedom Money Market ($1,000 minimum deposit to open.)	$0   to  $24,999   1.00 % Over $25,000   1.75 %
Statement Savings ($10 minimum deposit to open.)	$10.00	1.00%
Club Account ($10 minimum deposit to open.)	$10.00	1.00%
**FREEDOM MONEY MARKET ACCOUNT DISCLOSURE: APY (Annual Percentage Yield) as of February 1, 2008 and subject to change without notice. APY on balances of $25,000 and greater are equal to 80% of the 13-week Treasury Bill Yield as of the end of the first business day of the month, as published in The Wall Street Journal, or a rate set by the bank. As of February 1, 2008 the 13-week Treasury Bill Yield was 2.34%, which would have resulted in an APY of 1.87%. As of February 1, 2008, daily balances of $25,000 and greater will earn 2.00% APY. Daily balances of $0.00 to $24,999.99 will earn 1.00% APY, a variable rate that may change at our discretion. Minimum balance to open the account is $1,000. Transfers to another account or to 3rd parties by preauthorized, automatic, telephone or computer transfers are limited to 6 per statement cycle with no more than 3 by check, draft, debit card or similar order to 3rd parties. We will impose a service charge for each transaction in excess of legal limits. Fees may reduce earnings. Personal accounts only. *STATEMENT SAVINGS AND CLUB ACCOUNT DISCLOSURE: APY (Annual Percentage Yield) is a variable rate that may change at anytime at the discretion of the bank.

Here to serve you!
If you have any questions about our products and services, please use our Information Request Form, or call (978) 538-7000 to speak with one of our Customer Service Representatives. We will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.