Savings Accounts
Fund your dreams and plans straight from your savings account
We offer you the opportunity to set money aside to fulfill your personal dreams and goals. Drawing from your shared CDs of veteran savings, you can now easily fund your future plans or projects, whatever they may be.
- Free Mobile Banking
- Free Online Banking
- No monthly fees
- Pair with Reward Checking
Start Saving for Your Future
Easy Online Application
Or Contact Us
If you have any questions left
Main Office
Address
300 Bemis Road, Fitchburg, MA 01420
Phone
Main Office (800) 262-1001
Email
[email protected]
Get in touch with us
Get the best rate for you
Savings Rates
| ACCOUNT NAME | DIVIDEND RATE | APY |
|---|---|---|
| Christmas Club Savings | 0.05% | 0.05% |
| Just 4 Teens Savings | 0.10% | 0.10% |
$25.00 minimum balance required to earn interest. | ||
| Just 4 Kids Savings | 0.02% | 0.02% |
$5.00 minimum balance required to earn interest. | ||
| Passbook Savings | 0.02% | 0.02% |
| Statement Savings | 0.05% | 0.05% |
| Reward Savings ($50 - $4,999.99) | 0.05% | 0.05% |
| Reward Savings ($5,000 - $24,999.99) | 0.05% | 0.05% |
| Reward Savings ($25,000 - $49,999.99) | 0.05% | 0.05% |
| Reward Savings ($50,000 & Over) | 0.05% | 0.05% |
| IRA Savings ($50 - $9,999.99) | 0.05% | 0.05% |
| IRA Savings ($10,000 - $24,999.99) | 0.05% | 0.05% |
| IRA Savings ($25,000 - $49,999.99) | 0.05% | 0.05% |
| IRA Savings ($50,000 & Over) | 0.05% | 0.05% |
| Veterans Suite Savings | 0.05% | 0.05% |
APY = Annual Percentage Yield 1, 2, 3, 4 – Apply to all accounts listed above | ||
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Personal Fee Schedule
Effective as of May 1, 2023
| OTHER SERVICES & CHARGES | |
|---|---|
| Money Market Reg D Excess Transactions | $10.00 per transaction |
| Reward Savings - Excess Withdrawals (Maximum: 2 in branch withdrawals per statement cycle) | $10.00 per withdrawal |
| Stop Payments Placed | $25.00 per order |
| Account Activity Printout (branch) | $2.00 each |
| Check or Form Image | $2.00 each |
| Account Research / Reconciliation (1 hr. min) | $20.00 per hour |
| Official Check - less than $1,000.00 | $3.00 each |
| Official Check - $1,000.00 and above | $5.00 each |
| Certified Check | $20.00 each |
| Wire Transfer - Domestic | $25.00 each |
| Wire Transfer - International | $50.00 each |
| Collection Item | $25.00 each |
| Returned Deposited Check | $15.00 each |
| Lost Passbook Replacement Fee | $10.00 |
| IRA Annual Fee | $15.00 |
| Lost Visa Check Card Replacement Fee | $10.00 |
| HELOC Card Foreign ATM Transaction Fee | $1.00 per transaction |
| Visa® Debit Card Foreign ATM Transaction | $1.00 per transaction |
| Staff Assisted Telephone Loan Payments | $10.00 each |
| Statement Copy | $5.00 per statement plus research fee |
| Visa® Debit Card Foreign ATM Transaction | $1.00 per transaction |
| Staff Assisted Telephone Loan Payments | $10.00 each |
| Statement Copy | $5.00 per statement plus research fee |
| Government Levy (1 hour minimum) | $50.00 per hour |
| Dormant Account | $5.00 per month |
| Temp Checks (min 4) | $0.50 each |
| Cash Advance Fee (the greater of) | $10.00 or 5% |
| New Account Early Closeout | $10.00 |
| The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH or other electronic means. | |
| Insufficient Funds Charge (NSF) | $30.00 per item |
| Uncollected Funds Charge | $30.00 per item |
| IC Courtesy Pay Overdraft Sweep | $15.00 per day |
| IC Courtesy Pay Overdraft Activated (labeled on statement as paid ACH or check EOD NSF fee) | $30.00 per item |
