CDs and IRAs 

Many Happy Returns.

Think long-term without overthinking it. Whether you're planning for retirement or just want a guaranteed return, lock in a great rate and watch your savings grow with confidence.

Certificates of Deposit (CDs)

A steady way to grow with confidence

A Certificate of Deposit offers a safe, dependable way to plan for what’s ahead. With a Bay State Bank CD, you invest a fixed amount for a set period of time and earn a fixed rate in return, giving you certainty as you save.

Terms from 3 months to 5 years
View and manage your account easily through online and mobile banking
100% Insured

Open A CD now

Individual Retirement Accounts (IRAs)

Build toward your future, with confidence

Saving for retirement works best when your plan feels clear and steady. Our Individual Retirement Accounts allow you to save over time while taking advantage of tax benefits designed to support your long-term goals.

Choose from flexible terms ranging from 3 months to 5 years* on Roth, SEP, or Traditional IRA plans
Adjust as life changes with options to add funds, change terms, or take partial withdrawals at maturity
Deposits are fully secured by FDIC and DIF Protection
No monthly or annual fees
Connect with your tax advisor to determine the best plan for you

Please Note: IRA products are only available to Massachusetts residents