Deposit Rates

Use our Deposit Calculator to estimate your monthly earnings.


Business Checking and Savings*
(Effective: Monday, February 06, 2012)
Program
 Minimum Daily Balance
to earn APY		Interest Rate
APY
High Yield Business Savings
(Minimum Balance to open account is $10,000.00)
 		$0.00
0.10%
0.10%
$10,000.00
1.29%
1.30%
Business Statement Savings
(Minimum Balance to open account is $25.00)
 		$10.00
0.49%
0.50%
Business Checking 100
(Minimum balance to open account is $25.00. Flat monthly fee of $10.00. Make up to 100 basic transactions (deposits, withdrawals, checks paid, etc.) per month with no minimum balance requirement.)
 		$0.00

0.00%
Business Money Market Fund
(Minimum Balance to open the account is $25.00)
 		$1,000.00
0.10%
0.10%
$10,000.00
0.74%
0.75%
$25,000.00
0.94%
0.95%
$50,000.00
0.94%
0.95%
$100,000.00
1.09%
1.10%
$250,000.00
1.09%
1.10%
Free Business Checking
(Minimum balance to open account is $25.00 - 50 Free basic monthly transactions (deposits, withdrawals, checks paid etc...) - with no monthly fee and no minimum balance requirement.)
 		$10.00
0.10%
0.10%
IOLTA Checking
(Minimum Balance to open account is $10.00 - persons opening this account must be a lawyer)
 		$10.00
0.10%
0.10%
*All rates/APY's listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. The effect of fees may lower the APY. The APY on Business Savings and Checking accounts may change after the account is opened. Please contact a personal banking representative at Lowell Co-operative Bank for more information about applicable fees and terms.


CDs & IRAs*
(Effective: Monday, February 06, 2012)
Program
 Term
Minimum Daily Balance
to earn APY		Interest Rate
APY
Certificates of Deposit (CDs)
 		3 months
$5,000.00
0.19%
0.20%
6 months
$5,000.00
0.44%
0.45%
9 months
$1,000.00
0.49%
0.50%
12 months
$1,000.00
0.74%
0.75%
15 months
$1,000.00
0.79%
0.80%
18 months
$1,000.00
0.89%
0.90%
24 months
$1,000.00
1.14%
1.15%
30 months
$1,000.00
1.29%
1.30%
36 months
$1,000.00
1.39%
1.40%
48 months
$1,000.00
1.39%
1.40%
60 months
$1,000.00
1.73%
1.75%
Young Investors 1 Year CD
(Special Account for teens, ages 13 through 19. Additional deposits allowed in increments of $250.00)
 		12 months
$250.00
0.74%
0.75%
Individual Retirement Accounts (IRAs)
 		12 months
$1,000.00
0.74%
0.75%
18 months
$1,000.00
0.89%
0.90%
24 months
$1,000.00
1.14%
1.15%
30 months
$1,000.00
1.29%
1.30%
36 months
$1,000.00
1.39%
1.40%
48 months
$1,000.00
1.39%
1.40%
60 months
$1,000.00
1.73%
1.75%
*All rates/APYs listed are accurate as of the effective date shown above and are subject to change without notice. Substantial penalty for early withdrawal on all Certificates of Deposit. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. Fees may lower the APY. The APY on Savings and Checking Accounts may change after the account is opened. Please contact a personal banking representative at Lowell Co-operative Bank for more information about applicable fees and terms.


Money Market Fund Account*
(Effective: Monday, February 06, 2012)
Program
 Minimum Daily Balance
to earn APY		Interest Rate
APY
Money Market Fund Account
(Minimum balance to open is $25.00)
 		$1,000.00
0.24%
0.25%
$10,000.00
0.74%
0.75%
$25,000.00
0.94%
0.95%
$50,000.00
0.94%
0.95%
$100,000.00
1.09%
1.10%
$250,000.00
1.09%
1.10%
*All rates/APYs listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. Fees may lower the APY. The APY on Money Market Fund Checking Accounts may change after the account is opened. Please contact a personal banking representative at Lowell Co-Operative Bank for more information about applicable fees and terms.


Premium Statement Savings Account*
(Effective: Monday, February 06, 2012)
Program
 Minimum Daily Balance
to earn APY		Interest Rate
APY
Premium Statement Savings
(Minimum balance to open is $25.00)
 		$0.00
0.10%
0.10%
$10,000.00
0.74%
0.75%
$25,000.00
0.84%
0.85%
$50,000.00
0.84%
0.85%
$100,000.00
0.84%
0.85%
$250,000.00
0.84%
0.85%
*All rates/APY's listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. The effect of fees may lower the APY. The APY on a Premium Statement Savings account may change after the account is opened. Please contact a personal banking representative at Lowell Co-operative Bank for more information about applicable fees and terms. Free ATM/Debit Card. Free Internet Banking and Bill Payment.


Savings and Checking*
(Effective: Monday, February 06, 2012)
Program
 Minimum Daily Balance
to earn APY		Interest Rate
APY
Statement Savings
(Minimum balance to open account is $10.00)
 		$10.00
0.49%
0.50%
Looney Tunes Passbook
(Minimum balance to open account is $0.00)
 		$0.00
0.24%
0.25%
Teen Savers Statement Savings
(Special Account for teens, ages 13 to 19. Allows them to learn how to manage money. ATM card issued with a $30 per day limit! Minimum balance to open account is $0.00)
 		$0.00
0.49%
0.50%
Free Checking
(Minimum balance to open account is $25.00)
 		$0.00

0.00%
N.O.W. Checking
(Minimum Balance to open account is $25.00)
 		$10.00
0.10%
0.10%
Passbook Savings
(Minimum balance to open account is $10.00)
 		$10.00
0.24%
0.25%
*All rates/APY's listed are accurate as of the effective date shown above and are subject to change without notice. Annual Percentage Yield (APY) is what your money would earn if principal and interest remain on deposit for at least one year at the same rate. The effect of fees may lower the APY. The APY on Savings and Checking accounts may change after the account is opened. Please contact a personal banking representative at Lowell Co-operative Bank for more information about applicable fees and terms.



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