APY Ledger rate-source excerpt. APY Ledger is an independent rate tracker, not affiliated with this institution.
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Source: https://www.middlesexbank.com/Resources/Reference/Rates/Deposit-Account-Interest-Rates
Read: 2026-10-22T14:31:12.000Z

All accounts subject to approval. "APY" is in reference to "Annual Percentage Yield". "Min." is in reference to "Minimum". All rates and APYs are subject to change without notice.
Special Promo Term | Interest Rate | APY |
7 Months | 4.03% | 4.10% | Open an Account
13 Months | 4.03% | 4.10% | Open an Account
"Certificate" is in reference to "Certificates of Deposit". The APY applies when the required minimum balance and interest is kept on deposit for one year. APY assumes interest earned in account compounds. Minimum deposit to open is $250, and a $10 minimum balance is required to earn APY. Applies to Special Promo Certificates of Deposit and Fixed Rate Retirement Certificates of Deposit. After maturity, the certificate will automatically renew for a Standard Term (see table below) as follows: 7-month to a 6-month term, 13-month to a 12-month term, at the then effective rates at the time of the renewal for those terms.
Standard Term | Interest Rate | APY |
3 Months | 3.74% | 3.80% | Open an Account
6 Months | 3.74% | 3.80% | Open an Account
12 Months | 3.74% | 3.80% | Open an Account
18 Months | 3.74% | 3.80% | Open an Account
24 Months | 3.74% | 3.80% | Open an Account
36 Months | 3.74% | 3.80% | Open an Account
48 Months | 3.74% | 3.80% | Open an Account
60 Months | 3.74% | 3.80% | Open an Account
Standard Term | Interest Rate | APY |
3 Months | 3.83% | 3.90% | Open an Account
6 Months | 3.83% | 3.90% | Open an Account
12 Months | 3.83% | 3.90% | Open an Account
18 Months | 3.83% | 3.90% | Open an Account
24 Months | 3.83% | 3.90% | Open an Account
36 Months | 3.83% | 3.90% | Open an Account
48 Months | 3.83% | 3.90% | Open an Account
60 Months | 3.83% | 3.90% | Open an Account
"Certificate" is in reference to "Certificates of Deposit". The APY applies when the required minimum balance and interest is kept on deposit for one year. APY assumes interest earned in account compounds. Minimum deposit to open is $250, and a $10 minimum balance is required to earn APY. Applies to Certificates of Deposit, Fixed Rate Retirement Certificates of Deposit, Freedom Platinum Certificates of Deposit, and Fixed Rate Retirement Certificates of Deposit.
Standard Term | Interest Rate | APY |
12 Months | 3.74% | 3.80% | Open an Account
"Certificate" is in reference to "Certificates of Deposit". The APY applies when the required minimum balance and interest is kept on deposit for one year. APY assumes interest earned in account compounds. Minimum deposit to open is $10, and a $10 minimum balance is required to earn APY. Applies to Adjustable Rate Retirement Certificate of Deposit.
| Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
Statement and Passbook | 1.44% | 1.45% | $1.00 | $10.00 | Open an Account
The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. Checking, Savings and Money Fund Accounts are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings.
Tier | Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
$10 - $24,999.99 | 1.49% | 1.50% | $1.00 | $10.00 | Learn More
$25,000 - $49,999.99 | 1.54% | 1.55% | $1.00 | $25,000.00 | Learn More
$50,000 - $99,999.99 | 1.59% | 1.60% | $1.00 | $50,000.00 | Learn More
$100,000 + | 1.64% | 1.65% | $1.00 | $100,000.00 | Learn More
Tier | Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
$10 - $24,999.99 | 1.44% | 1.45% | $1.00 | $10.00 | Learn More
$25,000 - $49,999.99 | 1.49% | 1.50% | $1.00 | $25,000.00 | Learn More
$50,000 - $99,999.99 | 1.54% | 1.55% | $1.00 | $50,000.00 | Learn More
$100,000 + | 1.59% | 1.60% | $1.00 | $100,000.00 | Learn More
Tier | Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
$10 - $24,999.99 | 1.44% | 1.45% | $1.00 | $10.00 | Open an Account
$25,000 - $49,999.99 | 1.44% | 1.45% | $1.00 | $25,000.00 | Open an Account
$50,000 - $99,999.99 | 1.49% | 1.50% | $1.00 | $50,000.00 | Open an Account
$100,000 + | 1.54% | 1.55% | $1.00 | $100,000.00 | Open an Account
Tier | Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
$10 - $49,999.99 | 1.44% | 1.45% | $1.00 | $10.00 | Learn More
$50,000 + | 1.49% | 1.50% | $1.00 | $50,000.00 | Learn More
The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. Checking, Savings and Money Fund Accounts are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings.
Product | Interest Rate | APY | Min. Deposit to Open | Min. Balance to Obtain APY |
NOW Checking | 0.01% | 0.01% | NA | $10.00 | Product is No Longer Offered
Business NOW Checking | 0.01% | 0.01% | NA | $10.00 | Learn More
The Annual Percentage Yield applies when the required minimum balance and interest is kept on deposit for one year. Checking, Savings and Money Fund Accounts are variable rate accounts and the rate can change without notice after account opening. APY assumes interest earned in account compounds. Fees on your account could reduce earnings.
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