Individual Retirement Accounts (IRA) Rates

Account Type	APY^*	Minimum Deposit to Open	Minimum Balance to Obtain APY
3 Months	1.00%	$1,000	$10
6 Months	1.10%	$1,000	$10
12 Months	1.25%	$1,000	$10
18 Months	2.25%	$1,000	$10
24 Months	2.00%	$1,000	$10
36 Months	2.25%	$1,000	$10
48 Months	2.50%	$1,000	$10

Effective Date: December 6, 2025

CDs & IRAs

Now is a great time to take advantage of the power of compounding. Starting to save today is the easiest way to ensure a comfortable future.

Calculators

Helpful tools for planning personal financing, mortgages, investing, and more.

Get answers by using our Calculators

Fee Schedule

Review our Fee Schedule for an itemized list of potential fees.

Check our Fee Schedule

*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. A substantial penalty may be imposed for early withdrawal of time accounts. Individual Retirement Accounts earn a fixed rate of interest until maturity. Deposits insured by the FDIC up to the current FDIC limits and by the DIF up to any amount in excess of FDIC limits. ↩

SCHEDULED MAINTENANCE: Digital Banking may be unavailable on Sunday, December 7, between 12:00am–4:00am for routine system maintenance. Please submit any transactions before or after this timeframe. Thank you!

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WINTER STORM ALERT: MountainOne offices & branches in Berkshire County & Pioneer Valley (North Adams, Pittsfield, Williamstown, Stockbridge, Longmeadow, West Springfield, and Wilbraham) will close at 3 pm today, Tuesday, December 2. The South Shore branches (Rockland, Quincy, and Scituate) remain open normal business hours. Please stay safe! As always, our Online and Mobile Banking services are available 24 hours a day.

HOLIDAY NOTICE: In observance of Christmas, all MountainOne offices will close at 12 pm on Wednesday, December 24, and will be closed on Thursday, December 25. As always, our Digital Banking services are available 24 hours a day.

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HOLIDAY NOTICE: All MountainOne offices will close early at 2:00 pm on Wednesday, December 31 (New Year’s Eve) and will be closed on Thursday, January 1 (New Year’s Day). As always, our Digital Banking services are available 24 hours a day.

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