Middlesex Federal

Personal Savings & Retirement

eStatement Savings 
It Earns Interest.  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.  
OPEN ONLINE

CD Specials

Effective: September 1, 2023

CALL OR VISIT US IN THE SQUARE
Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
8 Month CD $500 $.01 4.17% 4.25%
13 Month CD $500 $.01 3.69% 3.75%

Rates subject to change without notice. Fees may reduce earnings.
CERTIFICATES: Penalty may be imposed for early withdrawal.

SAVINGS

eStatement Savings
Get started now, open a savings account online in minutes.

  • $50 minimum to open.
  • Earns a variable rate of interest
  • FDIC Insured
OPEN eSTATEMENT SAVINGS


Statement & Club Savings

  • $50 minimum to open Statement Savings.  $10 minimum to open Club Savings
  • Earns a variable rate of interest
  • FDIC Insured
CHECK RATES
MONEY MARKET & CDs

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


    CHECK RATES
RETIREMENT*

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.

LEARN MORE

 

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

 

Member FDIC

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

How Else May We Help You?

Checking

Checking

Learn more

Online & Mobile Banking

Online & Mobile Banking

Learn more

Home Loans

Home Loans

Learn more

FREE ATM ACCESS:  Middlesex Federal will not charge Simply Free (includes Student Checking) and President's Choice checking customers for using another bank's ATM. And we'll reimburse any surcharge fees other banks may charge at the end of each statement cycle.  Statement Savings Free ATM access is available to Middlesex Federal personal checking customers only.

Online Account Opening:  Simply eFREE Checking and eStatement Savings accounts are AVAILABLE TO MASSACHUSETTS RESIDENTS ONLY and can only be opened online.

Online & Mobile Banking:  Data charges may apply when using a mobile device.

$150 In Branch Offer:*  Open a NEW Simply Free Checking (offer does not apply to Simply eFree Checking accounts opened online) at any Middlesex Federal (MFS) branch, receive an MFS instant issue debit card, and we'll pay you a $25 to download our mobile app and another $25 to add your MFS debit card to your digital wallet.  Payment will be in the form of an MFS check which must be deposited upon receipt into a new MFS Simply Free Checking using MFS mobile check deposit.  Middlesex Federal Online Banking registration and mobile app download are required. Make fifteen Point of Sale (non-ATM) transactions using your MFS debit card within the second through fourth statement cycle from the date of account opening, and we'll credit your account $100 on the last day of the fourth statement cycle.

$150 Online Offer:*  Open a NEW Middlesex Federal (MFS) Simply eFREE Checking online at MiddlesexFederal.com.  Request an MFS Debit Card during the online account opening process.  Receive your card within 3-5 business days.  Make fifteen Point of Sale (non-ATM) transactions using your MFS debit card within the second through fourth statement cycle from the date of account opening, and we'll credit your account $150 on the last day of the fourth statement cycle.

$150 Offer subject to the IRS 1099-INT reporting. Offer not available to business accounts. Restricted to one $150 payment per account holder.  

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