Personal Banking - Certificate of Deposit and Money Market Accounts

Certificates of Deposit (CD)

BayCoast Bank offers a variety of terms to meet all your financial goals.

• Minimum opening deposit: $500.00 for fixed rate, Choice-Is-Yours and Bump Up learn more; $100.00 for variable rate.
• Interest compounded and paid monthly.
• Minimum balance to obtain interest: $10.00.
• Competitive interest rates.
• Early withdrawal penalty may be imposed.

Money Market Accounts*

Super Consumer Money Market Account

• Three-tier interest bearing account.
• Minimum opening deposit: $100.00.
• Interest compounded and paid monthly.
• Minimum balance to obtain interest: $10.00.
• Unlimited in-person transactions.
• Unlimited ATM access.
• Write up to six checks per statement cycle.
• No monthly service charge.
• An IRA or a relationship with BayCoast Bank Financial Services is required to be eligible for this account.

High Yield Access Money Market Account

• Four-tier interest bearing account.
• Minimum opening deposit: $100.00.
• Interest compounded and paid monthly.
• Minimum balance to obtain interest: $10.00.
• Unlimited in-person transactions.
• Unlimited ATM access.
• Write up to six checks per statement cycle.
• No monthly service charge.
• A Preferred NOW Checking Account is required to be eligible for this account.

Money Market Access Account

• Competitive interest rates.
• Ability to access your funds.
• Minimum opening deposit: $1,000.00.
• Interest compounded and paid monthly.
• Minimum balance to obtain interest: $10.00.
• Unlimited in-person transactions.
• Choice of passbook* or statement account.
  • Statement provides the ability to transfer funds by check, through Online Banking, Telephone Banking (888-533-6695) or at an ATM. You can also sign up for eStatements.

If the average daily balance falls below $1,000 for the calendar month or statement period, a $2.50 monthly service charge will be assessed.

* Transaction limitations may apply.
** Passbook Money Market Access Accounts not available in Rhode Island.

Request Information

Visit one of our convenient locations to open any BayCoast Bank account.