Certificate APY Rate Interest Compounded Credited Minimum Balance
6 month 0.86 0.85 Quarterly Quarterly 500
12 month 1.21 1.20 Quarterly Quarterly 500
18 month 1.31 1.30 Quarterly Quarterly 500
24 month 1.36 1.35 Quarterly Quarterly 500
30 month 1.46 1.45 Quarterly Quarterly 500
48 month 1.56 1.55 Quarterly Quarterly 500
           
30 month step up 1.46 1.45 Quarterly Quarterly 2,500
48 month step up 1.56 1.55 Quarterly Quarterly 2,500
           
IRA Passbook 0.13 0.12 Quarterly Quarterly 50
18 month IRA 1.21 1.20 Monthly Monthly 500
24 month IRA 1.36 1.35 Quarterly Quarterly 500
36 month IRA 1.46 1.45 Quarterly Quarterly 500
48 month IRA 1.56 1.55 Quarterly Quarterly 500
           
ROTH Passbook IRA 0.13 0.12 Quarterly Quarterly 50
18 month ROTH IRA 1.21 1.20 Monthly Monthly 500
24 month ROTH IRA 1.36 1.35 Quarterly Quarterly 500
36 month ROTH IRA 1.46 1.45 Quarterly Quarterly 500
48 month ROTH IRA 1.56 1.55 Quarterly Quarterly 500
           
ED Passbook IRA 0.13 0.12 Quarterly Quarterly 50
18 month ED IRA 1.21 1.20 Monthly Monthly 500
24 month ED IRA 1.36 1.35 Quarterly Quarterly 500
36 month ED IRA 1.46 1.45 Quarterly Quarterly 500
48 month ED IRA 1.56 1.55 Quarterly Quarterly 500
           
Now Account 0.13 0.12 Daily Monthly 100
Regular Passbook Savings 0.13 0.12 Quarterly Quarterly 100
Christmas club 0.13 0.12 Quarterly Quarterly 5
Golden Passbook 0.51 0.50 Quarterly Quarterly 75,000
           
Money Market Plus     Daily Monthly 1,000

Annual Percentage Yields (APYs) are accurate as of date stated below. Minimum deposit to open account and minimum balance to obtain APY indicated in table. CDs are subject to penalty for early withdrawal. Fees on deposit accounts may reduce earnings. Rates are subject to change at any time. CD rates evaluated every Wednesday. Belmont Savings Bank only accepts deposits within a 50 mile radius of their offices. Rates effective October 7, 2014.