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Deposit Rates     

Effective Date    11/18/09

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)
Passbook1 $10 0.15%
Statement1 $10 0.20%
Club Savings1 $10 0.05%
Money Market1 $10 - $9,999.99 0.25%
  $10,000.00 - $24,999.99 0.40%
  $25,000.00 - $49,999.99 0.50%
  $50,000.00 and over 0.70%
Pure Excitement Money Market
(3 Month Promotion)
$10 - $24,999.99 0.75%
$25,000.00
$49,999.99
1.00%
$50,000.00
$99,999.99
1.25%
$100,000.00 and
over
1.50%
Pure Excitement Money Market
(Regular Promotion)
$10 - $24,999.99 0.45%
$25,000.00
$49,999.99
0.85%
$50,000.00
$99,999.99
1.10%
$100,000.00 and over 1.20%
Classic Money Market1 2 $10 - $24,999.99 0.25%
  $25,000.00 - $49,999.99 0.40%
  $50,000.00 - $99,999.99 0.50%
  $100,000.00 and over 0.70%
IRA Money Market1 $10 0.75%

Certificates

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
3-month3 $1,000 0.60%
6-month3 $1,000 0.80%
6-month "Smart Money"3 4 $1,000 0.80%
1 Year $1,000 1.25%
1½ - 2 Years $1,000 1.35%
2½ Years $1,000 1.65%
3 Years $1,000 2.00%
4 Years $1,000 2.30%
5 Years $1,000 2.60%
6 Years $1,000 3.00%
7 - 10 Years $1,000 3.00%
6 - 24 mo Pure Excitement Easisaver CD4 $200 1.25%

CD Specials

Category Minimum Balance to Obtain APY Annual Percentage Yield (APY)
18 Month Popup $1,000 1.50%
13 Month Excitement $1,000 1.50%
20 Month Excitement $1,000 1.90%
37 Month Excitement $1,000 2.40%
5 Year Excitement $1,000 2.90%
1 At our discretion, Annual Percentage Yield may change at any time after an account is opened.
2 Classic Money Market is available only to customers with a Classic Relationship NOW checking account.
3 Assumptions apply, please ask for details.
4 Not available for IRA customers.
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.

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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Branch Locator
or
1-800-773-5601

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