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 December 1, 2023
| OTHER SERVICES & CHARGES | |
|---|---|
| Excess Withdrawals: Reward Savings (Maximum: 2 in-branch withdrawals per statement cycle) | $10.00 per withdrawal |
| Stop Payment Request | $25.00 each |
| Account Activity Printout | $2.00 each |
| Check or Form Copy | $2.00 each |
| Foreign Check | $10.00 each |
| Research Fee / Reconciliation (1 hour minimum) | $20.00 per hour |
| Official Check - less than $1,000.00 | $3.00 each |
| Official Check - $1,000.00 and over | $5.00 each |
| Certified Check | $20.00 each |
| Wire Transfer - Domestic | $25.00 each |
| Wire Transfer - International | $50.00 each |
| Foreign Check Collection | $25.00 each |
| Returned Deposited Check | $15.00 each |
| IRA Annual Fee | $15.00 per year |
| VISA® Debit/Credit Card Replacement | $10.00 each |
| HELOC Card Foreign ATM Transaction Fee | $1.00 per transaction |
| VISA® Debit Card Foreign ATM Transaction | $1.00 per transaction |
| Credit Union Assisted Telephone Payments | $10.00 per payment |
| Online Loan Payments with Quick Pay | Free |
| Statement Copy | $5.00 per statement plus research fee |
| Government Levy | $50.00 |
| Dormant Account | $5.00 per month |
| Temp Checks (minimum 4) | $0.50 each |
| New Account Early Closeout Fee | $10.00 |
| The following fees can be caused by checks, in-person withdrawals, ATM withdrawals, ACH, or other electronic means. Items may be presented for payment multiple times. IC Courtesy Pay Overdraft Fees may be assessed on items previously returned due to insufficient funds when those same items are presented and paid, if you have opted into the IC Courtesy Pay service. | |
| Insufficient Funds Charge (NSF) (Labeled on statement as Return ACH Charge or Return Check NSF) | $30.00 per item |
| Uncollected Funds Charge | $30.00 per item |
| IC Courtesy Pay Overdraft Fee (Labeled on statement as Paid ACH EOD NSF Fee or Paid EOD NSF Fee for checks) | $30.00 per item |
| IC Courtesy Pay Overdraft Sweep (Labeled on statement as Overdraft Transfer Fee) | $15.00 per day |
