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Source: https://www.winchestersavings.com/rates/deposit
Read: 2026-10-22T16:26:04.000Z

Deposit | Winchester Savings Bank Rates as of October 20, 2026
Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY
Completely Free Checking | | | $10
Easy Interest Checking | 0.01% | 0.01% | $10 | $10
50+ Advantage Checking | 0.01% | 0.01% | $10 | $10
Premier Interest Checking | 0.01% | 0.01% | $10 | $10
0.05% | 0.05% | | $1,500
Description | Completely Free Checking | Easy Interest Checking | 50+ Advantage Checking | Premier Interest Checking
Annual Percentage Yield (APY) | | 0.01% | 0.01% | 0.01% | 0.05%
Interest Rate | | 0.01% | 0.01% | 0.01% | 0.05%
Minimum Balance to Open Account | $10 | $10 | $10 | $10
Minimum Daily Balance to Earn APY | | $10 | $10 | $10 | $1,500
Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY
High Yield Savings | 0.50% | 0.50% | $10 | $10
2.65% | 2.62% | | $25,000
2.65% | 2.62% | | $1,000,000
Statement Savings | 0.10% | 0.10% | $10 | $10
0.20% | 0.20% | | $50,000
0.30% | 0.30% | | $250,000
0.50% | 0.50% | | $500,000
Money Market Account | 0.20% | 0.20% | $2,500 | $10
1.25% | 1.25% | | $50,000
1.50% | 1.50% | | $250,000
1.50% | 1.50% | | $500,000
Special Money Market | 2.65% | 2.62% | $2,500 | $10
Club Account | 0.10% | 0.10% | $10 | $10
Passbook Savings (existing accounts only) | 0.10% | 0.10% | | $10
Description | High Yield Savings | | | Statement Savings | | | | Money Market Account | | | | Special Money Market | Club Account | Passbook Savings (existing accounts only)
Annual Percentage Yield (APY) | 0.50% | 2.65% | 2.65% | 0.10% | 0.20% | 0.30% | 0.50% | 0.20% | 1.25% | 1.50% | 1.50% | 2.65% | 0.10% | 0.10%
Interest Rate | 0.50% | 2.62% | 2.62% | 0.10% | 0.20% | 0.30% | 0.50% | 0.20% | 1.25% | 1.50% | 1.50% | 2.62% | 0.10% | 0.10%
Minimum Balance to Open Account | $10 | | | $10 | | | | $2,500 | | | | $2,500 | $10
Minimum Daily Balance to Earn APY | $10 | $25,000 | $1,000,000 | $10 | $50,000 | $250,000 | $500,000 | $10 | $50,000 | $250,000 | $500,000 | $10 | $10 | $10
Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY
Completely Free Business Checking | | | $10
Business Interest Checking | 0.01% | 0.01% | $10 | $10
Commercial Checking | | | $10
IOLTA Checking | 0.20% | 0.20% | $10 | $10
Description | Completely Free Business Checking | Business Interest Checking | Commercial Checking | IOLTA Checking
Annual Percentage Yield (APY) | | 0.01% | | 0.20%
Interest Rate | | 0.01% | | 0.20%
Minimum Balance to Open Account | $10 | $10 | $10 | $10
Minimum Daily Balance to Earn APY | | $10 | | $10
Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY
High Yield Savings | 0.50% | 0.50% | $10 | $10
2.65% | 2.62% | | $25,000
2.65% | 2.62% | | $1,000,000
Business Statement Savings | 0.10% | 0.10% | $10 | $10
0.25% | 0.25% | | $50,000
0.40% | 0.40% | | $250,000
0.60% | 0.60% | | $500,000
Business Money Market | 2.65% | 2.62% | $25,000 | $10
Description | High Yield Savings | | | Business Statement Savings | | | | Business Money Market
Annual Percentage Yield (APY) | 0.50% | 2.65% | 2.65% | 0.10% | 0.25% | 0.40% | 0.60% | 2.65%
Interest Rate | 0.50% | 2.62% | 2.62% | 0.10% | 0.25% | 0.40% | 0.60% | 2.62%
Minimum Balance to Open Account | $10 | | | $10 | | | | $25,000
Minimum Daily Balance to Earn APY | $10 | $25,000 | $1,000,000 | $10 | $50,000 | $250,000 | $500,000 | $10
Description | Annual Percentage Yield (APY*) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY
91 Day Certificate | 0.30% | 0.30% | $500 | $10
182 Day Certificate | 0.60% | 0.60% | $500 | $10
4 Month Certificate | 3.60% | 3.54% | $500 | $10
7 Month Certificate | 3.75% | 3.69% | $500 | $10
9 Month Certificate | 4.01% | 3.94% | $500 | $10
11 Month Certificate | 4.01% | 3.94% | $500 | $10
1 Year Certificate | 0.45% | 0.45% | $500 | $10
15 Month Certificate | 0.50% | 0.50% | $500 | $10
18 Month Certificate | 2.75% | 2.72% | $500 | $10
2 Year Certificate | 2.52% | 2.49% | $500 | $10
3 Year Certificate | 0.70% | 0.70% | $500 | $10
5 Year Certificate | 0.80% | 0.80% | $500 | $10
Variable Rate Retirement | 2.65% | 2.62% | $10 | $10
Description | 91 Day Certificate | 182 Day Certificate | 4 Month Certificate | 7 Month Certificate | 9 Month Certificate | 11 Month Certificate | 1 Year Certificate | 15 Month Certificate | 18 Month Certificate | 2 Year Certificate | 3 Year Certificate | 5 Year Certificate | Variable Rate Retirement
Annual Percentage Yield (APY*) | 0.30% | 0.60% | 3.60% | 3.75% | 4.01% | 4.01% | 0.45% | 0.50% | 2.75% | 2.52% | 0.70% | 0.80% | 2.65%
Interest Rate | 0.30% | 0.60% | 3.54% | 3.69% | 3.94% | 3.94% | 0.45% | 0.50% | 2.72% | 2.49% | 0.70% | 0.80% | 2.62%
Minimum Balance to Open Account | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $10
Minimum Daily Balance to Earn APY | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10 | $10
*The APY for Certificates of Deposit assumes principal and interest will remain on deposit until maturity. There may be a substantial penalty should the Bank consent to early withdrawals. Fees/charges could reduce earnings on these accounts. Rates are effective as of the date published above and are subject to change without notice.