Bay State Savings Bank rates: up to 4.05% APY
bank · FDIC CERT 90311 · baystatesavingsbank.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| EZ Goal Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| EZ Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 3-Month CD | 3-month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6-month | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 8-Month CD | 8-month | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD | 9-month (Open Door) | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 11-Month CD | 11-month | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 11-Month CD | 11-month (Special) | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12-month | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 14-Month CD | 14-month | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 14-Month CD | 14-month (Special) | 4.05% | APY | 2026-11-01 | since 2026-11-01 | |
| 15-Month CD | 15-month | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD | 18-month | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24-month | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36-month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48-month | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60-month | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Consumer Tiered Money Market | $0.01 to $24,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Tiered Money Market | $25,000.00 to $124,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Tiered Money Market | $125,000.00 to $249,999.99 | 0.90% | APY | 2026-11-01 | since 2026-11-01 | |
| Consumer Tiered Money Market | $250,000.00 and above | 1.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Revolution Money Market - New Money Only | $0.01 to $999,999 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Revolution Money Market - New Money Only | $1million and above | 3.00% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Account | Each monthly cycle · $0.01 to $1,500.00 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking Account | Each monthly cycle · $1,500.01 and above | 0.01% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.baystatebank.com/rates/ | 2026-11-02 02:53 UTC | ok | 82eda5ff71e3 |
| www.baystatebank.com/personal/cds-iras/ | — | extract-failed |