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Rates Deposit Rates

Deposit products are only available to residents of Massachusetts.

21- Month Bump-Up CD*
(Effective: May 16, 2012 - May 22, 2012)
Program
 Term
Minimum Daily Balance
to earn APY		APY
Min. Deposit
21 - Month Bump-Up CD
(Waiting for rates to go up? Your wait is over! Sign up for a 21-month CD at Framingham Co-operative Bank and if the rate increases at any time during your term, you have the one-time option to bump-up your account to the new rate - without penalty!)
 21 months
$500.00
0.80%
$500.00
**Annual Percentage Yield (APY) subject to change. Offer may be withdrawn at any time. A penalty will be imposed for early withdrawal. The Bump-Up Option is one time during the 21-month term. To exercise your option, you may come into the Bank. Your new rate will match our 24-Month CD rate available at that time. At maturity, your account will be automatically renewed as a 24-Month unless you instruct us differently.


Advantage CD *
(Effective: May 16, 2012 - May 22, 2012)
Program
 Term
Minimum Daily Balance
to earn APY		APY
Min. Deposit
Advantage CD
(This is a great CD special. Add funds. Withdraw funds without penalty. Stop by either office and speak with a Customer Service Representative today. )
 9 months
$5,000.00
0.50%
$5,000.00
*Annual Percentage Yield (APY) subject to change. A penalty may be imposed if funds are withdrawn within 7 days of opening the account, or if funds are withdrawn more than once within a 7 day period.


Advantage Checking *
(Effective: May 16, 2012 - May 22, 2012)
Program
 Minimum Daily Balance
to earn APY		APY
Advantage Checking
(Minimum opening deposit: $100. Minimum balance of $1,000 is required to avoid the monthly service charge of $8.00 or maintain $5,000 in any combination of deposit accounts and/or loan balances. )
Over $50,000.00   0.50 %
$25,000.00   to  $49,999.99   0.30 %
$10,000.00   to  $24,999.99   0.20 %
$5,000.00   to  $9,999.99   0.15 %
$1,000.00   to  $4,999.99   0.10 %
$10.00   to  $999.99   0.05 %
*This is a variable rate and is subject to change. Fees may reduce earnings.


Certificates of Deposit (CDs)*
(Effective: May 16, 2012 - May 22, 2012)
Program
 Term
Minimum Daily Balance
to earn APY		APY
Min. Deposit
CDs & IRAs
 28 days
$5,000.00
0.65%
$5,000.00
3 months
$500.00
0.55%
$500.00
6 months
$500.00
0.55%
$500.00
12 months
$500.00
0.65%
$500.00
18 months
$500.00
0.75%
$500.00
24 months
$500.00
0.90%
$500.00
30 months
$500.00
1.26%
$500.00
36 months
$500.00
1.26%
$500.00
48 months
$500.00
1.46%
$500.00
60 months
$500.00
1.71%
$500.00
*Annual Percentage Yield (APY) subject to change. Substantial penalty for early withdrawal.


Checking & Savings Accounts*
(Effective: May 16, 2012 - May 22, 2012)
Program
 Minimum Daily Balance
to earn APY		APY
Apex Money Market
(Minimum opening deposit: $500)
$10.00   to  $2,499.99   0.15 %
Over $2,500.00   0.30 %
Nonprofit Money Market
(Minimum opening deposit $500. Available to 501(c)3 organizations. Just a reminder that our Advantage Checking Account is always free to our nonprofit customers.)
$10.00   to  $999.99   0.15 %
$1,000.00   to  $4,999.99   0.25 %
$5,000.00   to  $24,999.99   0.25 %
Over $25,000.00   0.50 %
Savings
(Minimum opening deposit: $10)
 $10.00
0.20%
*Annual Percentage Yield (APY) subject to change. These are variable rates that are subject to change. Fees may reduce earnings on these accounts.


People you can count on.
For more information on our products and services, please visit our Customer Care Center, use our Information Request Form, or call us at (508) 820-4000.