Personal Savings Products

Choose from one of these convenient options to help you meet your savings goals.

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Statement Savings Account



Earn interest while enjoying the convenience of unlimited in-person or ATM withdrawals and a detailed monthly statement or passbook. Avoid the $1 monthly maintenance fee when you maintain a minimum daily balance of $200.

Certificates of Deposit (CDs)

A great solution for your short or long-term savings goals. Choose from a variety of terms from 1 month to 5 years - to find the one that’s right for you.

Money Market Accounts


If you’re looking for flexibility with your savings account, a statement or passbook money market account may be right for you. Our money market accounts offer tiered interest rates, easy access to your funds, and no monthly maintenance fee.

Individual Retirement Accounts (IRAs)

We can help you prepare for the future by offering both Traditional and Roth IRA options. You can benefit from a CD with higher returns, fixed interest rates and the peace of mind knowing your investment is safe from market fluctuations.

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PRIME TIME™ Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 04/24/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
3 Month1,2† 0.20% 0.20% $ 1,000 & up
6 Month1,2† 0.25% 0.25% $ 1,000 & up
1 Year1† 0.30% 0.30% $ 1,000 & up
2 Year1† 0.50% 0.50% $ 1,000 & up
3 Year1† 0.55% 0.55% $ 1,000 & up
4 Year1† 0.65% 0.65% $ 1,000 & up
5 Year1† 0.75% 0.75% $ 1,000 & up
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
† Customers must maintain a PRIME TIME Checking Account to open a PRIME TIME Money Market Account and/or a PRIME TIME CD and/or PRIME TIME IRA.
Fees could reduce the earnings on all accounts listed above.

Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 04/24/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
1 Month1,2 0.05% 0.05% $1,000
3 Month1,2 0.10%
0.10%		 0.10%
0.10%		 $5,000
$1,000
6 Month1,2 0.15%
0.15%		 0.15%
0.15%		 $5,000
$1,000
1 Year1 0.20%
0.20%		 0.20%
0.20%		 $5,000
$1,000
18 Month1 0.25% 0.25% $5,000
2 Year1 0.25%
0.25%		 0.25%
0.25%		 $5,000
$1,000
3 Year1 0.30%
0.30%		 0.30%
0.30%		 $5,000
$1,000
4 Year1 0.40%
0.40%		 0.40%
0.40%		 $5,000
$1,000
5 Year1 0.50%
0.50%		 0.50%
0.50%		 $5,000
$1,000
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
Fees could reduce the earnings on all accounts listed above.
  • 5.25% APY* PRIME TIME™ Term Accounts x¹

    x¹ Rate Table Optional Header 5.25% APY* PRIME TIME™ Term Accounts

    Rates effective as of November 21, 2023

    One!
    Two!

Savings Accounts

Rates effective as of 04/24/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
Prime TimeTM
Money Market Statement or Passbook1,2†		 0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.35%
0.10%
0.10%
0.10%		 0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.35%
0.10%
0.10%
0.10%		 >$2,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$10,000 ‑ 24,999.99
$2,500 ‑ 9,999.99
$1,000 ‑ 2,499.99
<$1,000
Premium Money Market Statement1,2 0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
 0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
 >$2,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$10,000 ‑ 24,999.99
$2,500 ‑ 9,999.99
$1,000 ‑ 2,499.99
<$1,000
Money Market Passbook or Statement1,2 0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
 0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
0.10%
 >$2,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$10,000 ‑ 24,999.99
$2,500 ‑ 9,999.99
$1,000 ‑ 2,499.99
<$1,000
Regular Savings Passbook or Statement1,2 0.05% 0.05% $0.01
1 The minimum opening deposit for these accounts is $10.00.
2 The rate on these accounts may change after the account is opened.
† Customers must maintain a PRIME TIME Checking Account to open a PRIME TIME Money Market Account and/or a PRIME TIME CD and/or PRIME TIME IRA.
Fees could reduce the earnings on all accounts listed above.

Rate Table Sample

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Product Annual Percentage Rate (APR) Term Payment
Special Home Equity Line of Credit* 2.25% for initial 12 months

Prime Rate after initial 12 months (Currently 3.25%)		 20 Years Minimum Payment of $100
Home Equity Line of Credit** Prime Rate (Currently 3.25%) 20 Years Minimum Payment of $100

Monthly payment does not include an escrow payment for real estate taxes, homeowner's insurance, private mortgage insurance or flood insurance. Your actual payment may be greater.

*Special Home Equity Line of Credit Details: This product has a variable rate interest rate. The introductory rate of 2.25% APR is fixed for the initial 12 month period. After the initial 12 months, the interest rate will vary based on the domestic Prime Rate as published in the Wall Street Journal on the last day of the previous month.  As of September 28, 2021, the prime rate was 3.25%. After the first 12 months, the APR will adjust monthly to the prevailing Prime Rate at that time, but the rate will never be less than 3.00% APR and will never exceed an APR of 18.00%. 
 
Automatic payment withdrawal from a Bristol County Savings Bank personal checking account required to be eligible. Minimum draw of $10,000.00 at account opening.
 
Subject to credit approval. Other terms and conditions may apply. Ask us for details.
 
*APR = Annual Percentage rate.  All APR’s are based on $100,000. The interest rate and annual percentage rate (APR’s) shown above are subject to change without notice Consult your tax advisor about deductibility.  Adequate homeowner’s coverage is required. If an appraisal is required for your request, the cost will range between $350.00 to $400.00 depending on the state in which the property is located for a single family owner-occupied property. 2-4 family owner-occupied properties may exceed these amounts.

**Home Equity Line of Credit Details: This product has a variable rate interest rate and is based on the domestic Prime Rate as published in the Wall Street Journal on the last day in the Wall Street Journal on the last day of the previous month.  As of September 28, 2021, the prime rate was 3.25%.  The APR will adjust monthly to the prevailing Prime Rate at that time, but the rate will never be less than 3.00% APR and will never exceed an APR of 18.00%.
 
Subject to credit approval. Other terms and conditions may apply. Ask us for details.
 
*APR = Annual Percentage rate.  All APR’s are based on $100,000. The interest rate and annual percentage rate (APR’s) shown above are subject to change without notice. Consult your tax advisor about deductibility.  Adequate homeowner’s coverage is required. If an appraisal is required for your request, the cost will range between $350.00 to $400.00 depending on the state in which the property is located for a single family owner-occupied property. 2-4 family owner-occupied properties may exceed these amounts.

Features of our savings products include*:

online banking iconmobile banking iconestatements iconbill pay iconquicken compatibility icon

*Bill pay users must be 18 years of age and over. Accounts may offer the above features but users must perform an action to access them. Overdraft opt-in is required.