MSB Checking Accounts
No minimum deposit to open account. The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
Now Account
| Product | Minimum Balance | APY Rate |
|---|---|---|
| Tier 1 | $0.01 | 0.01% |
Senior Spirit
| Product | Minimum Balance | APY Rate |
|---|---|---|
| Tier 1 | $1,200 | 0.01% |
Super Now Account
| Product | Minimum Balance | APY Rate |
|---|---|---|
| Tier 1 | $0.01 | 0.01% |
| Tier 2 | $1,000 | 0.01% |
| Tier 3 | $10,000 | 0.05% |
| Tier 4 | $25,000 | 0.05% |
| Tier 5 | $100,000 | 0.15% |
Money Market Account
| Product | APY Rate | |
|---|---|---|
| Tier 1 | $0.01 | 0.01% |
| Tier 2 | $1,000 | 0.05% |
| Tier 3 | $10,000 | 0.05% |
| Tier 4 | $25,000 | 0.15% |
| Tier 5 | $100,000 | 0.15% |
| Tier 6 | $200,000 | 0.35% |
MSB Savings Account
The interest rate and annual percentage yield may change after account opening. Fees could reduce the earnings on the account.
| Product | Opening Deposit & Minimum Balance | APY Rate |
|---|---|---|
| Passbook Savings Account | $0 | 0.25% |
MSB Certificates of Deposit
A penalty may be imposed for early withdrawal.
| Product | Minimum Opening Deposit | APY Rate |
|---|---|---|
| 91-Day Certificate of Deposit | $500 | 0.20% |
| 6-Month Certificate of Deposit | $500 | 0.25% |
| 8-Month Certificate of Deposit | $500 | 0.10% |
| 9-Month Certificate of Deposit | $500 | 0.10% |
| 10-Month Certificate of Deposit | $500 | 0.50% |
| 11-Month Certificate of Deposit | $500 | 0.70% |
| 12-Month Certificate of Deposit | $500 | 0.55% |
| 18-Month Certificate of Deposit | $500 | 0.55% |
| 19-Month Certificate of Deposit | $500 | 0.75% |
| 24-Month Certificate of Deposit | $500 | 0.90% |
| 29-Month Certificate of Deposit | $500 | 0.95% |
| 36-Month Certificate of Deposit | $500 | 0.85% |
| 60-Month Certificate of Deposit | $500 | 0.70% |
MSB Individual Retirement, Keogh (HR10), and Health Savings Accounts
This rate may change after account is opened. APYs are offered on accounts opened from 04/06/2021 thru 04/12/2021. A substantial penalty may be imposed for early withdrawal. Fees may reduce earnings.
| Product | Minimum Opening Deposit | APY Rate |
|---|---|---|
| 18-Month Variable Rate IRA | $25 | 0.25% |
| Fixed Rate IRA | $25 | See Certificates of Deposits shown above. Same Terms and Annual Percentage Yields will apply. |
| Health Savings Account | $0 | 0.55% |