Deposit Rates - Mascoma Bank

Checking Accounts

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate
MORE Checking – Tier 1
MORE Checking – Tier 1	0.05%	$0.01 and Above	$50	0.05%
MORE Checking – Tier 2
MORE Checking – Tier 2	0.15%	$25,001 and Above*+	$50	0.15%
MORE Checking – Tier 3
MORE Checking – Tier 3	2.00%	$0.01-$25,000*+	$50	1.98%
Relationship Gold – Tier 1
Relationship Gold – Tier 1	0.01%	$1,000	$50	0.01%
Relationship Gold – Tier 2
Relationship Gold – Tier 2	0.05%	$2,000	$50	0.05%

Apply for a Checking Account

*+ Qualifications required
APY = Annual Percentage Yield

Savings Accounts

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate
Health Savings Account
Health Savings Account	0.50%	$100	$50	0.50%
Statement Savings
Statement Savings	0.05%	$100	$10	0.05%
Money Management Savings – Tier 1
Money Management Savings – Tier 1	0.05%	$1,000	$1,000	0.05%
Money Management Savings – Tier 2
Money Management Savings – Tier 2	0.10%	$50,000	$1,000	0.10%
Money Management Savings – Tier 3
Money Management Savings – Tier 3	0.30%	$100,000	$1,000	0.30%
Money Management Savings – Tier 4
Money Management Savings – Tier 4	0.40%	$250,000	$1,000	0.40%
Money Management Savings – Tier 5
Money Management Savings – Tier 5	0.50%	$500,000	$1,000	0.50%
Money Management Savings – Tier 6
Money Management Savings – Tier 6	0.60%	$1,000,000 & above	$1,000	0.60%
Money Market Plus – Tier 1
Money Market Plus – Tier 1	0.05%	$1,000	$1,000	0.05%
Money Market Plus – Tier 2
Money Market Plus – Tier 2	0.50%	$100,000	$1,000	0.50%
First-Class Savings – Tier 1
First-Class Savings – Tier 1	0.10%	$10,000	$10,000	0.10%
First-Class Savings – Tier 2
First-Class Savings – Tier 2	0.20%	$50,000	$10,000	0.20%
First-Class Savings – Tier 3
First-Class Savings – Tier 3	0.30%	$100,000	$10,000	0.30%
First-Class Savings – Tier 4
First-Class Savings – Tier 4	0.40%	$250,000	$10,000	0.40%
First-Class Savings – Tier 5
First-Class Savings – Tier 5	0.50%	$500,000	$10,000	0.50%
First-Class Savings – Tier 6
First-Class Savings – Tier 6	0.60%	$1,000,000 & above	$10,000	0.60%
Minor Savings
Minor Savings	0.10%	$10	$10	0.10%

Apply for a Savings Account

*+ Qualifications required
APY = Annual Percentage Yield

IRAs and CDs

	APY	Minimum Balance for APY	Minimum Balance to Open	Interest Rate
12-Month CD/IRA Special**
12-Month CD/IRA Special**	2.50%	$500	$500	2.47%
Step It Up CD/IRA – 3 year
Step It Up CD/IRA – 3 year	1.00%	$500	$500	1.00%
Step it Up CD/IRA – 5 Year
Step it Up CD/IRA – 5 Year	1.50%	$500	$500	1.49%
CD/IRA – 7 Days
CD/IRA – 7 Days	0.20%	$5,000	$5,000	0.20%
CD – 3 Months
CD – 3 Months	0.20%	$2,500	$2,500	0.20%
CD – 6 Months
CD – 6 Months	0.25%	$1,000	$1,000	0.25%
CD – 9 Months
CD – 9 Months	0.30%	$500	$500	0.30%
CD/IRA – 1 Year
CD/IRA – 1 Year	0.35%	$500	$500	0.35%
CD – 1 Year PPC/RBG Special
CD – 1 Year PPC/RBG Special Relationship Banking Gold Special	0.40%	$500	$500	0.40%
CD/IRA – 1.5 Years
CD/IRA – 1.5 Years	0.45%	$500	$500	0.45%
IRA 1.5 Years Variable Rate
IRA 1.5 Years Variable Rate	0.50%	$25.00	$25.00	0.50%
CD/IRA – 2 Years
CD/IRA – 2 Years	0.75%	$500	$500	0.75%
CD/IRA – 3 Years
CD/IRA – 3 Years	1.00%	$500	$500	1.00%
CD/IRA – 4 Years
CD/IRA – 4 Years	1.05%	$500	$500	1.04%
CD/IRA – 5 Years
CD/IRA – 5 Years	1.25%	$500	$500	1.24%

** New Money Required. Will allow existing funds up to 100% match of new money.
APY = Annual Percentage Yield