Personal Deposit Rates
Current Rates
All deposits are FDIC-insured. Please note interest rates and APY for accounts available through Middlesex Federal are subject to change.
CD Specials Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| 3 Month CD | $500 | $0.10 | 3.69% | 3.75% |
| 8 Month CD | $500 | $0.01 | 3.45% | 3.50% |
| 13 Month CD | $500 | $0.01 | 2.96% | 3.00% |
Fees may reduce earnings.
CERTIFICATES: Penalty may be imposed for early withdrawal.
Savings Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| eStatement Savings | $50 | $50 | 0.40% | 0.40% |
| Statement Savings | $50 | $50 | 0.40% | 0.40% |
| Club Account | $10 | $10 | 0.05% | 0.05% |
| Passbook | $50 | $50 | 0.05% | 0.05% |
Rates subject to change without notice. Fees may reduce earnings.
*eStatement Savings available online only.
President's Choice Checking Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| $0.01 - $1,499.99 | $50 | $0.01 | 0.05% | 0.05% |
| $1,500 - $24,999.99 | $50 | $1,500 | 0.10% | 0.10% |
| $25,000 or more | $50 | $25,000 | 0.20% | 0.20% |
Rates subject to change without notice. Fees may reduce earnings.
Personal Money Market Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| $50 - $9,999.99 | $50 | $50 | 0.10% | 0.10% |
| $10,000 - $49,999.99 | $50 | $10,000 | 0.25% | 0.25% |
| $50,000 - $99,999.99 | $50 | $50,000 | 0.40% | 0.40% |
| $100,000 - $249,999.99 | $50 | $100,000 | 0.40% | 0.40% |
| $250,000 - $999,999.99 | $50 | $250,000 | 0.40% | 0.40% |
| $1,000,000 - $2,999,999.99 | $50 | $1,000,000 | 0.40% | 0.40% |
| $3,000,000 or more | $50 | $3,000,000 | 0.30% | 0.30% |
Rates subject to change without notice. Fees may reduce earnings.
CD Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| 3 Month | $500 | $0.01 | 3.69% | 3.75% |
| 6 Month | $500 | $0.01 | 0.30% | 0.30% |
| 8 Month | $500 | $0.01 | 3.45% | 3.50% |
| 12 Month | $500 | $0.01 | 0.40% | 0.40% |
| 13 Month | $500 | $0.01 | 2.96% | 3.00% |
| 18 Month | $500 | $0.01 | 0.45% | 0.45% |
| 19 Month | $500 | $0.01 | 2.72% | 2.75% |
| 24 Month | $500 | $0.01 | 0.50% | 0.50% |
| 30 Month | $500 | $0.01 | 0.60% | 0.60% |
| 31 Month | $500 | $0.01 | 0.60% | 0.60% |
| 36 Month | $500 | $0.01 | 0.60% | 0.60% |
| 48 Month | $500 | $0.01 | 0.70% | 0.70% |
| 60 Month | $500 | $0.01 | 0.80% | 0.80% |
Rates subject to change without notice. Fees may reduce earnings.
Penalty may be imposed for early withdrawal. All certificate of deposit accounts can also be opened as retirement accounts.
Retirement Rates
| Min Balance to Open | Min Balance to Earn Int | Interest Rate |
APY | |
|---|---|---|---|---|
| IRA Passbook Savings | $50 | $50 | 0.40% | 0.40% |
| IRA 18 Month Variable Rate Certificate | $100 | $0.01 | 4.50% | 4.59% |
Rates subject to change without notice. Fees may reduce earnings.
1IRA 18 Month Variable Rate Certificate not available for new accounts. Rate information is for existing accounts. Penalty may be imposed for early withdrawal. Rate subject to change quarterly (Feb/May/Aug/Nov) based on the latest 1 year Constant Maturity Treasury + 100 basis points.