Middlesex Federal

Personal Savings & Retirement

eStatement Savings 
It Earns Interest.  It Offers FREE ATM Access.  It's Available Online.
You may also be interested in Simply eFREE Checking, the best online checking.  No minimum.  No monthly fee.  Free ATMs and more.  


Club Account
Set a savings goal and schedule periodic deposits into one or multiple club accounts.

  • $10 minimum to open
  • Earns a variable rate of interest
  • FDIC Insured

Statement Savings
Put your savings to work with an account that offers free ATM access and online & mobile banking.

  • $50 minimum to open
  • Earns a variable rate of interest
  • FDIC Insured


Money Market
Earn a higher rate of interest without tying up your funds.  

  • $50 minimum to open
  • Earns a variable rate of interest
  • Offers tiered interest rates
  • FDIC Insured

Certificates of Deposit (CD)
Fixed-rate investment choices are available in 3 to 60-month terms.

  • $500 minimum to open
  • All CD terms available as IRAs
  • FDIC Insured


Traditional IRA
Variable and fixed-rate options with tax-deferred earnings.  

Roth IRA
Enjoy tax-free earnings.  Option to withdraw funds without penalty for the purchase of your first home. 

Education IRA 
Save for your children's education and benefit from tax-free earnings on qualified expenses.

  • All retirement accounts are 
    FDIC Insured


Check out our helpful, quick read personal finance, credit building, budgeting and mortgage blogs.


Why Bank Local?

Online. On-the-phone. In the square. However you want to bank, knowledgeable & friendly staff are here to help. Making fast, local decisions so life can move forward. Offering great rates and products for no-regret banking. 


Online & Mobile Banking

A secure, convenient way to bank from your phone, tablet, or PC. Visit your app store to download our easy to use mobile app.  Learn More



Deposits insured by the Federal Deposit Insurance Corporation (FDIC) up to $250,000.  Learn More



Middlesex Federal won't charge Simply Free (includes Student account) and President's Choice checking customers for using another bank's ATM. And, at the end of every statement cycle, we'll reimburse any surcharge fees other Bank's may charge.  Learn More

How Else May We Help You?

Online & Mobile Banking

Online & Mobile Banking

Learn more

Home Loans

Home Loans

Learn more

*Certain restrictions apply.  Consult your tax advisor for details.