FDIC-Insured – Backed by the full faith and credit of the U.S. GovernmentChecking Accounts
| Type of Accounts | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY) | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Avidia America 250 Checking | $500.00 | 0.05% | 0.05% | $25,000* |
| First Checking | $10.00 | 0.02% | 0.02% | $0.01 |
| Senior Checking | $10.00 | 0.02% | 0.02% | $0.01 |
*$25,000.00 minimum balance can be combined balances in Checking, Savings and Money Market Accounts in the name of the primary Account Owner. (Excludes HSA’s, IRA and CD accounts). You must maintain a minimum daily balance of $25,000.00 in the account each day to obtain the disclosed annual percentage yield. You will earn interest for every day during the period that your account equals or exceeds the minimum daily balance requirement. Fees could reduce earnings. Deposit rates are effective 02/23/2024 and are subject to change without notice.
High Yield Savings Accounts
| Type of Account | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Balance to Obtain APY** |
|---|---|---|---|---|
| Consumer High Yield Savings Account*** | $5,000.00^ | 2.62% | 2.65% | $5,000.00 |
| America 250 Savings**** | $5,000^ | 3.44% | 3.50% | $5,000.00 |
*Rate may change after account opening. Fees could reduce earnings.
**We use the daily balance method to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day.
***For consumer accounts only.
^Must be new money
****APY=Annual Percentage Yield. The account rate will not drop below an APY of 2.50% (2.47% rate) anytime before July 4, 2027 for accounts maintaining the daily minimum balance of $5,000. Daily balances of $4,999.99 and below will earn 1.00% APY (1.00% rate). After July 4, 2027, the account will revert to the then current High Yield Savings rate. America 250 Savings account is available to new consumer deposit customers only.
Savings Accounts
| Type of Account | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| Avidia Free Savings | $10 | 0.10% | 0.10% | $0.01 |
| Adventure Savings | $10 | 0.05% | 0.05% | $0.01 |
| Health Savings Account*** | $10 | 0.03% 0.05% 0.07% | 0.03% 0.05% 0.07% | $0.01 - $2,499.99 $2,500 - $19,999.99 $20,000+ |
| Statement Holiday Clubs | $10 | 0.15% | 0.15% | $10 |
*Rate may change after account opening. Fees could reduce earnings.
**The daily minimum balance is the amount of principal in the account each day.
*** Interest is paid on the amount of money on deposit in each tier, creating a blended interest rate for the entire balance.
Money Market Accounts
| Type of Account | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY) | Daily Minimum Balance to obtain APY* |
|---|---|---|---|---|
| Avidia Premier Money Market*** | $1,000 | 0.01% 0.20% 0.40% 0.60% 0.80% | 0.01% 0.20% 0.40% 0.60% 0.80% | $0.01 - $9,999.99 $10,000 - $24,999.99 $25,000 - $49,999.99 $50,000-$999,999.99 $1,000,000+ |
| Avidia Premier Plus Money Market**** | $1,000 | 0.01% 0.45% 0.65% 0.85% 1.15% | 0.01% 0.45% 0.65% 0.85% 1.16% | $0.01 - $4,999.99 $5,000 - $24,999,99 $25,000 - $49,999.99 $50,000-$999,999.99 $1,000,000+ |
*The daily minimum balance is the amount of principal in the account each day.
***A maintenance fee of $8.00 will be imposed every statement cycle if the average balance in the account falls below $2,500 during the statement cycle. Fees may reduce earnings.
****A maintenance fee of $25.00 will be imposed every statement cycle if the average balance in the account falls below $25,000 during the statement cycle. Fees may reduce earnings.
Certificates of Deposit^
| CD Term | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| 3 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 5 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 6 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 7 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 7 Month Special# | $1,000 | 4.00% | 4.00% | $1,000 |
| 9 Months | $1,000 | 3.00% | 3.00% | $1,000 |
| 12 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 15 Month Special | $1,000 | 4.02% | 4.10% | $1,000 |
| 18 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 24 Months | $1,000 | 3.00% | 3.05% | $1,000 |
| 30 Months^ | $1,000 | 2.25% | 2.28% | $1,000 |
| 36 Months | $1,000 | 2.25% | 2.28% | $1,000 |
| 48 Months | $1,000 | 2.25% | 2.28% | $1,000 |
| 60 Months | $1,000 | 2.25% | 2.28% | $1,000 |
#7 Month CD Special: Annual Percentage Yield (APY) of 4.00% is based off of an interest rate of 4.00% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
15 Month CD Special: Annual Percentage Yield (APY) of 4.10% is based off of an interest rate of 4.02% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
#7 Month CD Special: Annual Percentage Yield (APY) of 4.00% is based off of an interest rate of 4.00% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
15 Month CD Special: Annual Percentage Yield (APY) of 4.10% is based off of an interest rate of 4.02% and is effective as of 9/21/26 and subject to change without notice. Unless changes are made to your account during the 10-day grace period following maturity, the Certificate of Deposit (CD) will renew for a 12-month term at the then current rate. The minimum balance on all CDs to obtain the APY is $1,000. The minimum deposit to open the account is $1,000. No maintenance fees. Offer may be withdrawn at any time. A penalty may be imposed for early withdrawal. Available to both consumer and business customers. Not valid on IRA CDs.
IRA Certificates of Deposit
| CD Term | Minimum Opening Balance | Interest Rate | Annual Percentage Yield (APY)* | Daily Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| 12 Months | $500 | 3.00% | 3.05% | $500 |
| 18 Months | $500 | 3.00% | 3.05% | $500 |
| 24 Months | $500 | 3.00% | 3.05% | $500 |
| 30 Months ^ | $500 | 2.25% | 2.28% | $500 |
| 36 Months | $500 | 2.25% | 2.28% | $500 |
| 48 Months | $500 | 2.25% | 2.28% | $500 |
| 60 Months | $500 | 2.25% | 2.28% | $500 |
IRA Money Market
| Minimum Opening Balance | Balance | Interest Rate | Annual Percentage Yield* | Minimum Balance to Obtain APY** |
|---|---|---|---|---|
| $50 | $0.01 - $49,999 | 0.30% | 0.30% | $50 |
| $50 | $50,000+ | 0.50% | 0.50% | $50 |
*APY = Annual Percentage Yield
**The daily minimum balance is the amount of principal in the account each day. A penalty may be imposed if there is an early withdrawal. Fees on accounts may reduce earnings.
^Our 30-month “bump up” CD and IRA CD feature a one-time rate increase to the current 30-month CD or IRA CD rate anytime during the term.
Online account opening available to New England residents only (New England = MA, RI, CT, VT, NH & ME).