1: APY is Annual Percentage Yield and accurate as of Saturday, Mar 1, 2025. $1,000 minimum to open. This account must be funded only by New Money. “New Money” means money used to fund this account that comes from a source other than a Bay State Savings Bank account. New Money does not include money that is temporarily routed from a Bay State Savings Bank account to one or more other destinations or mediums that are then used to fund the account. Minimum $0.01 to earn stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Limited time offer and subject to change without notice. Additional terms and conditions apply. IRAs must be opened in person. Please consult a tax advisor.

2: APY is Annual Percentage Yield and accurate as of  Saturday, Mar 1, 2025. Minimum opening deposit of $1,000 is required for all CDs except the 3-month certificate. Minimum deposit to open a 3-month certificate is $5,000. Stated minimum opening deposits are the minimum balances required to receive the stated APYs. Fees may reduce earnings. Minimum $0.01 to earn stated APY. Fees may reduce earnings. Penalty may be imposed for early withdrawal. Limited time offer and subject to change without notice. Additional terms and conditions apply.

3: Minimum opening deposit of $500 is required for all fixed rate IRAs and is the minimum balance required to receive stated APYs. Fees may reduce earnings. A penalty may be imposed for early withdrawal. These offers are subject to change without notice. Additional terms and conditions may apply. IRAs must be opened in person. Please consult a tax advisor.