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Deposit Insurance

At Bridgewater Savings the first $100,000 per depositor is insured by the FDIC. All deposits above this amount are insured by the Depositors Insurance Fund (DIF).
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Member FDIC
Member DIF
Certificates of Deposit (CDs)*
(Effective: January 2, 2009)
Program
 Term
Minimum Daily Balance
to earn APY		APY
Variable Rate CDs
(3 month term based on Treasury Rate. Annual Percentage Yield subject to change after the account has been opened.)
 3 months
$5,000.00
0.05%
Fixed Rate CDs
 5 months
$2,000.00
2.75%
6 months
$2,000.00
2.25%
12 months
$2,000.00
2.50%
24 months
$2,000.00
2.75%
36 months
$2,000.00
3.00%
48 months
$2,000.00
3.25%
60 months
$2,000.00
3.50%
IRA CD
(Variable Rate. Annual Percentage Yield subject to change after the account has been opened.)
 18 months
$200.00
2.50%
*Annual Percentage Yield (APY) subject to change. Interest is compounded daily and credited monthly. Substantial penalty assessed on funds withdrawn prior to maturity on all CDs. CDs less than 12 month terms are restricted to residents of Massachusetts. Minimum to open 1,2,3,4 or 5 year term accounts for residents outside of Massachusetts is $5,000.


Money Market*
(Effective: January 2, 2009)
Program
 Minimum Daily Balance
to earn APY		APY
Money Market
(Daily balances from $2,499.99 to $10 will earn 0.25% APY. Daily balances below $10 will not earn interest.)
 $2,500.00
0.75%
Premium Money Market
(Daily balances from $24,999.99 to $10 will earn 0.25% APY. Daily balances below $10 will not earn interest.)
 $25,000.00
1.50%
Blue and Gold Money Market
(Daily balances from $74,999.99 to $10 will earn 0.25% APY. Daily balances below $10 will not earn interest.)
 $75,000.00
2.75%
*Annual Percentage Yield (APY) subject to change. This is a variable rate that is subject to change after the account has been opened. Fees may reduce the earnings on the account.