Personal Deposit Rates

Current certificate of deposit (CD), IRA, savings and checking rates as of February 6, 2025

15 Month CD

4.25^%_APY*

3 Month CD

4.25^%_APY*

9 Month CD

4.25^%_APY*

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
15 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
9 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
3 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
5 Year Certificate of Deposit Open Online	3.25	3.20	$1,000	$1,000
4 Year Certificate of Deposit Open Online	3.25	3.20	$1,000	$1,000
3 Year Certificate of Deposit Open Online	3.50	3.44	$1,000	$1,000
2 Year Certificate of Deposit Open Online	3.65	3.58	$1,000	$1,000
18 Month Certificate of Deposit Open Online	3.65	3.58	$1,000	$1,000
15 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
1 Year Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
9 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
6 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000
3 Month Certificate of Deposit Open Online	4.25	4.16	$1,000	$1,000

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
5 Year IRA Certificate of Deposit	3.25	3.20	$250	$250
4 Year IRA Certificate of Deposit	3.25	3.20	$250	$250
3 Year IRA Certificate of Deposit	3.50	3.44	$250	$250
2 Year IRA Certificate of Deposit	3.65	3.58	$250	$250
18 Month IRA Certificate of Deposit	3.65	3.58	$250	$250
15 Month IRA Certificate of Deposit	4.25	4.16	$250	$250
1 Year IRA Certificate of Deposit	4.25	4.16	$250	$250
9 Month IRA Certificate of Deposit	4.25	4.16	$250	$250
6 Month IRA Certificate of Deposit	4.25	4.16	$250	$250
3 Month IRA Certificate of Deposit	4.25	4.16	$250	$250

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Balance to Obtain APY
Super Saver Money Market¹ Open Online	.50	.50	$250	$0-$24,999.99
Super Saver Money Market $25,000+¹ Open Online	2.00	1.98	$250	$25,000-$49,999.99
Super Saver Money Market $50,000+¹ Open Online	4.00	3.92	$250	$50,000+
Money Market Open Online	.10	.10	$250	$0-$24,999.99
Money Market $25,000+ Open Online	.15	.15	$250	$25,000-$49,999.99
Money Market $50,000+ Open Online	.25	.25	$250	$50,000-$99,999.99
Money Market $100,000+ Open Online	.30	.30	$250	$100,000+

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Balance to Obtain APY
Money Market IRA	.10	.10	$250	$0-$24,999.99
Money Market IRA $25,000+	.15	.15	$250	$25,000-$49,999.99
Money Market IRA $50,000+	.25	.25	$250	$50,000-$99,999.99
Money Market IRA $100,000+	.30	.30	$250	$100,000+

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
GoalGetter Savings $0-$10,000² Open Online	4.25	4.17	$10	$0
GoalGetter Savings $10,000.01-$1,200,000+² Open Online	4.25 - 0.05	4.17 - 0.05	$10	$0

The GoalGetter Savings account earns a blended rate based on balance levels. See disclosure for details.

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
Statement Savings Open Online	.05	.05	$10	$10

Product	APY (%)	Rate (%)	Minimum Opening Deposit	Minimum to Obtain APY
Flex Checking Open Online	.05	.05	$10	$0

Annual Percentage Yield (APY)
All interest is credited monthly.
Interest on your account will be compounded continuously and credited monthly. If you close your account before the monthly statement cycle date, you will forfeit the uncredited interest.
Fees can reduce earnings of an account.
Interest rates are subject to change at the discretion of Needham Bank.
All Deposits are fully insured. The Federal Deposit Insurance Corporation (FDIC) insures the first $250,000 of deposits, the Depositors Insurance Fund (DIF) insures all deposits above that amount.
For CDs and IRA accounts: a substantial penalty is required if partial or full withdrawal is made before CD or IRA maturity.

Super Saver Money Market offer is available to new customers only or existing customers who deposit $10,000 or more in new-to-Needham Bank funds. Needham Bank personal checking account required; a minimum opening deposit of at least $10 is required to open an account. Rates subject to change. Personal accounts only. Some restrictions apply. If qualifications are not met within 60 days of account opening, the Super Saver Monday Market account may be converted to the standard Money Market Account.
The APY for the GoalGetter Savings Account is 4.25% for balances up to $10,000. For total balances above $10,000, the rate is blended; the first $10,000 will earn 4.25% APY and the remaining balance will earn 0.05% APY. For example, if your GoalGetter Savings account had a daily balance of $15,000, you would earn 4.25% APY for that day on $10,000 and 0.05% APY on the remaining $5,000. Limit one account per tax reporting owner. Needham Bank Flex Checking Account required. Personal accounts only.