Personal Banking Rates

Account Type	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Youth Savings Apply Now for a Youth Savings Account	1.00%	$10	$1
Pinnacle Savings Apply Now for a Pinnacle Savings Account	0.50%	$25	$1
Horizon eChecking Apply Now for a Horizon eChecking Account	N/A	$25	N/A
Pinnacle Checking Apply Now for a Pinnacle Checking Account	N/A	$25	N/A
VISTA Premier Checking Apply Now for a VISTA Premier Checking Account	0.05%	$50	$1
Pinnacle Money Market Apply Now for a Pinnacle Money Market Account	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Tier 1	0.45%	$50	$1
Tier 2	0.55%	$50	$5000
Tier 3	0.65%	$50	$25,000
Tier 4	0.95%	$50	$50,000
Tier 5	1.15%	$50	$100,000
Tier 6	1.15%	$50	$250,000
VISTA Personal Money Market Apply Now for a VISTA Personal Money Market Account	APY*	Minimum Deposit to Open	Minimum Balance to Obtain APY
Tier 1	0.50%	$50	$1
Tier 2	0.60%	$50	$5000
Tier 3	0.70%	$50	$25,000
Tier 4	1.00%	$50	$50,000
Tier 5	1.25%	$50	$100,000
Tier 6	1.25%	$50	$250,000

Effective Date: December 6, 2025

Open a Deposit Account

New customers can open an account online or at a nearby branch.

Savings & Money Market

No matter what your financial goals may be, your money is safe, secure, and ready when you need it.

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Fee Schedule

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

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*The Annual Percentage Yield (APY) is accurate as of the Effective Date listed above. Fees may reduce earnings on an account. The rate on accounts is variable and may change after the account is opened. 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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