Personal Savings Products
Whether your goal is to save for retirement, education expenses, home improvements or a vacation, Bristol County Savings Bank has the right account for you. Our convenient Savings Account options can help you meet your savings goals in Massachusetts and Rhode Island.
PRIME TIME™ Term Accounts – Certificate of Deposits and Individual Retirement Accounts
Rates effective as of 11/15/2024
| 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 |
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 11/15/2024
| 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 |
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.
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Rates effective as of November 15, 2024
Rate Table Optional Header test2Account Type Interest Rate Annual Percentage Minimum Balance 3 Month1,2† 5.00% 5.00% $1,000 & up 6 Month 5.00% 5.00% $1,000 & up 1 Year aaa 5.00% 5.00% $1,000 & up 15 Month 5.00% 5.00% $1,000 & up
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Rates effective as of November 15, 2024
| Account Type | Interest Rate | Annual Percentage | Minimum Balance |
|---|---|---|---|
| 3 Month1,2† | 5.00% | 5.00% | $1,000 & up |
| 6 Month | 5.00% | 5.00% | $1,000 & up |
| 1 Year aaa | 5.00% | 5.00% | $1,000 & up |
| 15 Month | 5.00% | 5.00% | $1,000 & up |
Savings Accounts
Rates effective as of 11/15/2024
| 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 |
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
Optional description text here Lorem ipsum dolor sit amet, consetetur elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna. Rates effective as of 11/15/2024
| 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.
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Features of our savings products include*:
