Deposit Rates

Checking Rates

	Dividend Rate	APY*	Minimum Opening Balance	Minimum Balance for APY*
PNCU Perks Checking Account
Balances between $0.01 to $10,000.00	0.24%	0.24%	$25.00	$10.00
Portion over $10,000.00	0.05%	0.24%-0.05%**	$25.00	$10,000.01
Cost Less NOW Account	0.05%	0.05%	$25.00	$10.00
Teen NOW Account	0.05%	0.05%	$25.00	$10.00
18-65	0.05%	0.05%	$25.00	$10.00

*Annual Percentage Yield (APY), effective February 13, 2024. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings.
**Blended Annual Percentage Yield of 0.15% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be earned for balances over $20,000.00.

Membership is attained by opening a deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Savings Rates

	Dividend Rate	APY*	Minimum Opening Balance	Minimum Balance for APY
Perks Savings Account			$25.00	$10.00
Balances up to $1,000.00	0.98%	1.00%	$25.00	$10.00
Balances between $1,000.01 and $2,000.00	0.49%	1.00% - 0.75%	$25.00	$10.00
Balances between $2,000.01 and $3,000.00	0.25%	0.75% - 0.58%	$25.00	$10.00
Balances $3,000.01 and over	0.05%	0.58% - 0.05%	$25.00	$10.00
Statement Savings Account	0.05%	0.05%	$25.00	$10.00
Teen Statement Savings Account	0.05%	0.05%	$25.00	$10.00
Youth Statement Savings Account	0.05%	0.05%	$25.00	$10.00
Christmas Club	0.05%	0.05%	$5.00	$10.00
All Purpose Club	0.05%	0.05%	$5.00	$10.00
Money Market	0.05%	0.05%	$1,000.00	$1,000.00
IRA Money Market	0.05%	0.05%	$10.00	$10.00
Premium Money Market
$1,000 - $24,999.99	0.10%	0.10%	$1,000.00	$1,000.00
$25,000 - $74,999.99	0.15%	0.15%	$1,000.00	$25,000.00
$75,000 - $99,999.99	0.20%	0.20%	$1,000.00	$75,000.00
$100,000 - $149,999.99+	0.20%	0.20%	$1,000.00	$100,000.00

*Annual Percentage Yield (APY), effective February 13, 2024. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings.
**Blended Annual Percentage Yield of 0.15% on a balance of $20,000.00. The APY ranges depending on the balance in the account. A lower APY will be realized for balances over $20,000.00.

Membership is attained by opening deposit account and is open to individuals who live, work or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.

Certificate Rates

Rate Specials Available, please call us at 413-592-9495

	Term	Dividend Rate	APY*
Term Share	3 months	0.05%	0.05%
	6 months	0.10%	0.10%
	12 months	0.20%	0.20%
	18 months	0.25%	0.25%
	24 months	0.30%	0.30%
	30 months	0.30%	0.30%
	36 months	0.35%	0.36%
	48 months	0.45%	0.46%
	60 months	0.65%	0.66%

*Annual Percentage Yield (APY), effective February 13, 2024. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings. The minimum balance to open a Term Share account is $500.00. The minimum balance to earn the stated APY for a Term Share account is $500.00. Not eligible for IRAs. Available for individuals only. Maximum deposit or balance per account is $250,000.00. A penalty may be imposed for early withdrawal. Other restrictions may apply. Compounds daily. Contact a member service representative for additional information about applicable fees and terms. Offer can be rescinded at any time.

**Annual Percentage Yield (APY), effective February 2, 2023. The Dividend Rate is paid on the entire balance in your account. Rate is subject to change without prior notice. Fees could reduce earnings. The minimum balance to open a Term Share account is $500.00. A Perks Checking Account must be opened prior to opening. The minimum balance to earn the stated APY for a Term Share account is $500.00. Not eligible for IRAs. Available for individuals only. Maximum deposit or balance per account is $250,000.00. A penalty may be imposed for early withdrawal. Other restrictions may apply. Compounds daily. Contact a member service representative for additional information about applicable fees and terms. Offer can be rescinded at any time.

Membership is attained by opening a deposit account and is open to individuals who live, work, worship or attend school in Hampden, Hampshire, Berkshire and Franklin counties in Massachusetts and Hartford, Litchfield and Tolland counties in Connecticut. Please contact a mortgage loan originator for more information.