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Today’s Rates

CD & IRA Rates

Deposit at least $500 to open these accounts, unless otherwise indicated. You must maintain a minimum balance of $1 (unless otherwise noted) in the account each day to obtain the annual percentage yield. There may be penalties for early withdrawal.

Standard CD & IRA Rates

Account Rate
Sneakers CD* 0.15% APY
91 Day CD / IRA 0.10% APY
18 Month CD / IRA 0.17% APY
1 Year CD / IRA 0.15% APY
2 Year CD / IRA 0.20% APY
3 Year CD / IRA 0.35% APY
3 1/2 Year CD / IRA 0.35% APY
4 Year CD / IRA 0.60% APY
5 Year CD / IRA 0.85% APY
5.5 Year CD 0.90% APY
5.75 Year CD 0.95% APY
6 Month CD / IRA 0.12% APY
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Special CD & IRA Rates

Account Rate
5 Month Savers CD* 0.12% APY
BSI Extra 18 Month CD / IRA 0.16% APY
1 Year Variable Rate IRA* 0.10% APY
15 Month Opportunity CD / IRA 0.15% APY
30 Month Opportunity CD / IRA 0.30% APY
54 Month Opportunity CD / IRA 0.65% APY
The Nine Month No-Penalty CD 0.12% APY
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Laddered CD & IRA Rates

Account Rate
Laddered CD / IRA - 1 Year Rung 0.20% APY
Laddered CD / IRA - 2 Year Rung 0.25% APY
Laddered CD / IRA - 3 Year Rung 0.40% APY
Laddered CD / IRA - 4 Year Rung 0.65% APY
Laddered CD / IRA - 5 Year Rung 0.90% APY
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Rates effective: November 17, 2017.

* Indicates $100 minimum deposit required.

Savings Rates

Account Rate
Sneakers Savings 0.10% APY
Regular Savings Account 0.10% APY
Super Savings Account 0.12% APY
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Checking Rates

Account Rate
eChecking NOW 0.05% APY
Health Savings NOW 0.05% APY
NOW Checking 0.05% APY
Packard NOW Checking 0.12% APY
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Personal Loans

Auto Loans

Loan Max Term Rate APR**
NEW 36 months 3.890% 4.056%
NEW 48 months 4.040% 4.166%
NEW 60 months 4.190% 4.292%
NEW 72 months 4.390% 4.476%
2014-2016 36 months 4.140% 4.393%
2014-2016 48 months 4.290% 4.483%
2014-2016 60 months 4.440% 4.596%
2011-2013 36 months 4.790% 5.044%
2008-2010 24 months 7.000% 7.376%
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Boat Loans

Loan Max Term Rate APR**
$5,000 - $10,000 48 months 7.125% 7.322%
$10,001 - $25,000 60 months 6.250% 6.409%
$25,001 - $50,000 120 months 6.000% 6.084%
$50,001 - $100,000 120 months 5.750% 5.834%
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Personal Loans

Loan Max Term Rate APR**
Secured Fixed Rate 60 months 12.000% 12.168%
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Deposit/Stock Loan

Loan Max Term Rate APR**
Savings Secured 120 months 3.100% 3.180%
CD Secured 120 months 4.250% 4.332%
Stock secured - 1 yr or less 12 months 4.750% 5.461%
Stock secured - >1 yr 11 months 5.750% 5.834%
BSTC Stock secured - 1 yr or less 12 months 4.250% 4.961%
BSTC Stock secured - >1 yr 11 months 4.750% 4.832%
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Rates effective: November 17, 2017. Rates are subject to change at any time.

** Annual Percentage Rate (APR) is calculated using a $10,000 loan amount and includes an origination fee. Actual rates, fees and terms are based on those offered as of the date of application and are subject to change without notice. The actual interest rate and fees available to you will be based on your credit history and may be different from the rates shown here.