Chicopee Savings Bank [Deposit Rates ] -

Deposit Rates

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1. Certificates of Deposit*
(Effective: Tuesday, January 06, 2009)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Min. Deposit

30-Day C.D.

$1,000.00

1.100%

$1,000.00

60-Day C.D.

$1,000.00

1.200%

$1,000.00

90-Day C.D.

$1,000.00

1.250%

$1,000.00

6 Month C.D.

$1,000.00

1.250%

$1,000.00

1 year C.D.

$500.00

1.750%

1.760%

$500.00

18 Month C.D.

$500.00

2.200%

2.230%

$500.00

2 year C.D.

$500.00

2.400%

2.430%

$500.00

2.5 year C.D.

$500.00

2.670%

2.700%

$500.00

3 year C.D.

$500.00

2.860%

2.900%

$500.00

3.5 Year C.D.

$500.00

2.960%

3.000%

$500.00

4 Year C.D.

$500.00

3.010%

3.050%

$500.00

5 Year C.D.

$500.00

3.100%

3.140%

$500.00

*Certificates of Deposit earn a fixed rate of interest. On Certificates of Deposit, a penalty may be imposed for early withdrawal. For additional terms and conditions, please contact a Customer Service Representative today. Rates for Jumbo CDs are quoted at the time of request and may be based on balance relationships. APY = Annual Percentage Yield. Min. Deposit = Minimum deposit required to open account. Rates are subject to change without notice. Fees could reduce earnings on the account.

2. Checking and Savings Accounts*
(Effective: Tuesday, January 06, 2009)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Min. Deposit

CSB C.L.U.B Checking

$20.00

0.300%

$20.00

Passbook or Statement Savings

$20.00

0.350%

$20.00

*APY = Annual Percentage Yield. Min. Deposit = Minimum deposit required to open account. Rates are subject to change without notice. The interest rate paid is variable and may change after the account is opened. Fees could reduce earnings on the account.

3. Tiered Rate Checking and Money Market Savings*
(Effective: Tuesday, January 06, 2009)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Tier 1

$20.00

0.150%

Tier 2

$1,000.00

0.250%

Tier 3

$25,000.00

0.500%

Tier 4

$50,000.00

0.750%

*APY = Annual Percentage Yield. Minimum deposit required to open account is $1000. Rates are subject to change without notice. The interest rate paid is variable and may change after the account is opened. Fees could reduce earnings on the account.

4. IRA and SEP*
(Effective: Tuesday, January 06, 2009)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Min. Deposit

Money Market Savings - Tier 1

$20.00

0.150%

$20.00

Money Market Savings - Tier 2

$1,000.00

0.250%

$1,000.00

Money Market Savings - Tier 3

$25,000.00

0.500%

$25,000.00

Money Market Savings - Tier 4

$50,000.00

0.750%

$50,000.00

6 Month C.D.

$500.00

1.250%

$500.00

1 year C.D.

$500.00

1.750%

1.760%

$500.00

2 year C.D.

$500.00

2.400%

2.430%

$500.00

2.5 year C.D.

$500.00

2.670%

2.700%

$500.00

3 year C.D.

$500.00

2.860%

2.900%

$500.00

3.5 Year C.D.

$500.00

2.960%

3.000%

$500.00

4 Year C.D.

$500.00

3.010%

3.050%

$500.00

5 Year C.D.

$500.00

3.100%

3.140%

$500.00

*APY = Annual Percentage Yield. Min. Deposit = Minimum deposit required to open account. Rates are subject to change without notice. Fees could reduce earnings on the account. The interest rate paid on IRA/SEP Money Market Savings accounts is variable and may change after the account is opened. IRA/SEP Certificates of Deposit earn a fixed rate of interest. On IRA/SEP Certificates of Deposit, a penalty may be imposed for early withdrawal.