Middlesex Federal

Personal Deposit Rates

CD Specials

Effective: April 1, 2024

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 4.41% 4.50%
13 Month CD $500 $.01 3.93% 4.00%

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

Savings

Effective: April 1, 2024

Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (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

Effective: April 1, 2024

Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (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

Effective: April 1, 2024

Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (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.

Certificates of Deposit

Effective: April 1, 2024

Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
3 Month $500 $0.01 0.15% 0.15%
6 Month $500 $0.01 0.30% 0.30%
8 Month $500 $0.01 4.41% 4.50%
12 Month $500 $0.01 0.40% 0.40%
13 Month $500 $0.01 3.93% 4.00%
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

Effective: April 1, 2024

Minimum to Open Minimum Balance to Earn APY Interest Rate Annual Percentage Yield (APY)
IRA Passbook Savings $50 $50 0.40% 0.40%
IRA 18 Month Variable Rate Certificate1 $100 $0.01 5.81% 5.97%

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.

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