Certificates of Deposit| | Minimum Opening Deposit | Contract Interest Rate | Annual Percentage Yield |
| 3 mo. Certificate | $1,000 | 0.85% | 0.85% | | 6 mo. Certificate | $1,000 | 1.05% | 1.06% | | 12 mo. Certificate | $1,000 | 1.40% | 1.41% | | 24 mo. Certificate | $1,000 | 2.00% | 2.02% | | 36 mo. Certificate | $1,000 | 2.40% | 2.43% | | 48 mo. Certificate | $1,000 | 2.50% | 2.53% | | 6 mo. IRA Certificate | $500 | 1.15% | 1.16% | | 12 mo. IRA Certificate | $500 | 1.50% | 1.51% | | 24 mo. IRA Certificate | $500 | 2.10% | 2.12% | | 36 mo. IRA Certificate | $500 | 2.50% | 2.53% | | 48 mo. IRA Certificate | $500 | 2.60% | 2.63% | | 60 mo. Roth IRA Certificate | $500 | 2.60% | 2.63% | | Educational IRA | $500 | 2.00% | 2.02% |
| *Certificate account rates are subject to change weekly; but once a certificate is issued, the rate will remain in effect for the term of the certificate. Penalties may apply for early withdrawals. |
Variable Rate Accounts| | Minimum to Earn APY | Contract Interest Rate | Annual Percentage Yield |
| Passbook Savings | $10 | 0.30% | 0.30% | | NOW/Checking | $10 | 0.20% | 0.20% | | Hybrid Savings* | $25,000 | 1.00% | 1.00% |
| *Active checking account required. APY for balances between $10 and $24,999 is 0.40%. |
Money Market| | Minimum to Earn APY | Contract Interest Rate | Annual Percentage Yield |
| $10 - $9,999.99 | $10 | 0.40% | 0.40% | | $10,000 - $49,999.99 | $10,000 | 0.65% | 0.65% | | $50,000 - $99,999.99 | $50,000 | 0.85% | 0.85% | | $100,000 - $249,999.99 | $100,000 | 1.00% | 1.00% | | Jumbo Money Market | $250,000 | Contact Us! | 508-481-8300 |
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Advantage Statement Savings| | Minimum to Earn APY | Contract Interest Rate | Annual Percentage Yield |
| $10 - $2,499.99 | $10 | 0.40% | 0.40% | | $2,500 - $24,999.99 | $2,500 | 0.65% | 0.65% | | $25,000 - $49,999.99 | $25,000 | 0.75% | 0.75% | | $50,000 - $99,999.99 | $50,000 | 0.85% | 0.85% | | Balances over $100,000 | $100,000 | 1.00% | 1.00% |
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1. On all accounts - fees could reduce earnings.
2. With certificate accounts - rates are guaranteed for the length of the term and minimum to earn APY is $10
3. With variable rate, money market accounts, and statement savings - rates may change after the account is opened.
Must have an active checking account or a loan to qualify
Effective date: March 9, 2010
Marlborough Savings Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules.
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