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Central, NY - Current Market Rates 

Effective Date    05/09/2012

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All rates are subject to change without notice.

Checking Accounts

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
NOW1 $10 0.05%
Classic Relationship NOW1 $10 0.05%

Savings & IRA Accounts

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
Rome Passbook2 $25 0.30%
Rome Statement2 $25 0.25%
Club Savings2 $10 0.05%
Money Market2 3  $10 - $9,999.99 0.10%
  $10,000.00 - $24,999.99 0.15%
  $25,000.00 - $49,999.99 0.20%
  $50,000.00 and over 0.30%
High Excitement Money Market2 6 $10 - $24,999.99
0.25%
$25,000.00
$49,999.99
0.60%
$50,000.00 and over 0.75%
Pure Excitement Money Market (Promo. Rate)2 7 $2,500 - $24,999.99          0.15%
 

$25,000.00- $49,999.99

 0.65%
  $50,000 and over  0.85%
Pure Excitement Money Market (Regular Rate)2 7    $2,500 - $24,999.99 0.10%
$25,000.00
$49,999.99
0.35%
$50,000.00
$99,999.99
0.50%
$100,000.00 and over 0.60%
Classic Money Market2 3 4     $10 - $24,999.99 0.10%
  $25,000.00 - $49,999.99 0.15%
  $50,000.00 - $99,999.99 0.20%
  $100,000.00 and over 0.30%
IRA Money Market2 3 $10 0.30%

Certificates

Contact a branch for existing IRA CD's only.

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
3-month** $1,000 0.10%
6-month** $1,000 0.20%
6-month "Smart Money"** $1,000 0.20%
1 Year $1,000 0.40%
1½ - 2 Years $1,000 0.50%
2½ Years $1,000 0.70%
3 Years $1,000 0.90%
4 Years $1,000 1.30%
5 Years $1,000 1.45%
6 Years $1,000 1.50%
7 - 10 Years $1,000 1.60%
6 - 24 mo Pure Excitement Easisaver CD1 $200 0.50%

Special CD Rates

Contact a branch for existing IRA CD's only.

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
13 Month Excitement $1,000 0.75%
20 Month Excitement $1,000 0.90%
24 Month Pop Up CD $1,000 1.00%
37 Month Excitement $1,000 1.35%
5 Year Excitement $1,000 1.75%

 

 

 

1 Minimum Balance to obtain APY* & to open account.
2 At our discretion, interest rate and APY* may change at any time after account is opened.
3 Minimum Balance to open all money market accounts is $1,000 unless otherwise noted.
4 Classic Money Market is available only to customers with Classic Relationship NOW Checking account.
5  Minimum balance required to open Pure Excitement Money Market is $2,500 and $10 for an IRA.
6 High Excitement Money Market is available only to customers with new money and a checking with Direct Deposit or an average balance of $5,000.
7 Pure Excitement Money Market is available only to customers with new money and a checking with Direct Deposit or an average balance of $5,000.00.
A penalty may be imposed for early withdrawal. Fees may reduce earnings on accounts. All Annual Percentage Yields are subject to change at any time.
**Assumptions apply, please ask for details.

 

Deposits fully insured.

For more information concerning the fees and terms applicable for these accounts, please contact a Financial Services Representative at (413) 443-5601 or 1-800-773-5601 or stop by any Berkshire Bank location.

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1-800-773-5601

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