Personal Banking Deposit Rates

Annual Percentage Yield (APY) is accurate as of 12/20/2024

Checking Accounts

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate
MORE Checking – Tier 1
MORE Checking – Tier 1	0.01%	$0.01 and Above	$10	0.01%
MORE Checking – Tier 2
MORE Checking – Tier 2	0.05%	$25,000.01 and Above*+	$10	0.05%
MORE Checking – Tier 3
MORE Checking – Tier 3	0.50%	$0.01-$25,000*+	$10	0.50%
Relationship Gold – Tier 1
Relationship Gold – Tier 1	0.01%	$1,000	$10	0.01%
Relationship Gold – Tier 2
Relationship Gold – Tier 2	0.01%	$2,000	$10	0.01%

Apply for a Checking Account*+ Qualifications required
APY = Annual Percentage Yield
Rates are subject to change without notice
Fees may reduce earnings on an account

Savings Accounts

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate
Health Savings Account
Health Savings Account	0.10%	$100	$10	0.10%
Statement Savings
Statement Savings	0.10%	$100	$10	0.10%
Minor Savings
Minor Savings	0.10%	$10	$10	0.10%
Money Market Plus – Tier 1
Money Market Plus – Tier 1	0.30%	$1,000	$1,000	0.30%
Money Market Plus – Tier 2
Money Market Plus – Tier 2	0.35%	$10,000	$1,000	0.35%
Money Market Plus – Tier 3
Money Market Plus – Tier 3	0.45%	$100,000	$1,000	0.45%
Money Market Plus – Tier 4
Money Market Plus – Tier 4	0.55%	$1,000,000	$1,000	0.55%
ELEVATE 1 MMA – Tier 1
ELEVATE 1 MMA – Tier 1	1.00%	$0.01	$0.01	1.00%
ELEVATE 1 MMA – Tier 2
ELEVATE 1 MMA – Tier 2	2.60%	$50,000.00	$0.01	2.57%
ELEVATE 1 MMA – Tier 3
ELEVATE 1 MMA – Tier 3	3.75%	$500,000.00	$0.01	3.68%

Apply for a Savings Account*+ Qualifications required
APY = Annual Percentage Yield
Rates are subject to change without notice
Fees may reduce earnings on an account

IRAs and CDs

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate	Term
5-Month CD Special
5-Month CD Special	4.10%	$0.01	$500	4.02%	152 days
5-Month CD Special Plus
5-Month CD Special Plus Requires new money to Mascoma Bank. Checking Account required.	4.20%	$0.01	$500	4.11%	152 days
9-Month CD Special
9-Month CD Special Requires new money to Mascoma Bank	4.00%	$0.01	$500	3.92%	273 days
12-Month CD/IRA Special
12-Month CD/IRA Special	3.85%	$0.01	$500	3.78%	365 days
CD – 3 Months
CD – 3 Months	0.10%	$0.01	$500	0.10%	90-181 days
CD – 6 Months
CD – 6 Months	3.00%	$0.01	$500	2.96%	182-272 days
CD – 9 Months
CD – 9 Months	2.75%	$0.01	$500	2.71%	273-364 days
CD – 1 Year RGC
CD – 1 Year RGC Relationship Gold Checking Account required	2.55%	$0.01	$500	2.52%	365-547 days
CD/IRA – 7 Days
CD/IRA – 7 Days	0.05%	$0.01	$5,000	0.05%	7-30 days
CD/IRA – 1 Year
CD/IRA – 1 Year	2.50%	$0.01	$500	2.47%	365-547 days
CD/IRA – 1.5 Years
CD/IRA – 1.5 Years	0.25%	$0.01	$500	0.25%	548-729 days
IRA – 1 Year
IRA – 1 Year	2.50%	$0.01	$500	2.47%	365-547 days
CD/IRA – 2 Years
CD/IRA – 2 Years	0.35%	$0.01	$500	0.35%	730-1,094 days
CD/IRA – 3 Years
CD/IRA – 3 Years	0.40%	$0.01	$500	0.40%	1,095-1,459 days
CD/IRA – 4 Years
CD/IRA – 4 Years	0.45%	$0.01	$500	0.45%	1,460-1,824 days
CD/IRA – 5 Years
CD/IRA – 5 Years	0.55%	$0.01	$500	0.55%	1,825+ days
IRA 1.5 Years Variable Rate
IRA 1.5 Years Variable Rate	0.25%	$0.01	$25	0.25%	547 days
Product no longer offered for enrollment – 5 Year Step Up CD/IRA Special
Product no longer offered for enrollment – 5 Year Step Up CD/IRA Special Rate Available to Existing 5 Year Step Up CD/IRA Holders Only	2.50%	$0.01	$500	2.47%

Rates subject to change without notice and penalty may apply for early withdrawal.
APY = Annual Percentage Yield
Fees may reduce earnings on an account.

*Required Mascoma Bank Checking Account does not include Savings or Money Market Account.