Rates | Seamen's Bank

Personal Banking

Residential

Our designated lending area includes the Lower Cape Towns of Provincetown, Truro, Wellfleet, Eastham, Orleans and Brewster

Deposit Rates

Seamen's Bank

Effective Date: April 1, 2019

Savings/Transaction Accounts
Account Type	Minimum Balance to Earn Interest & to Obtain Disclosed APY	Interest Rate	Annual Percentage Yield
Now	$1.00	.05%	.05%
Money Market *	$2,500.00 to $24,999.99	.20%	.20%
Money Market *	$25,000.00 to $49,999.99	.25%	.25%
Money Market *	$50,000.00 and over	.45%	.45%
Savings	$1.00	.10%	.10%
Plus Savings**	$1.00	.10%	.10%
Rates may Change after Account Opening Maintenance and / or Activity Fees could Reduce Earnings

* Minimum Balance to Open a NOW account or Money Market Account is $100.00
** Must be linked to a Personal NOW Account

Certificates of Deposit
Account Type	Minimum Balance to Earn Interest & to Obtain Disclosed APY	Interest Rate	Annual Percentage Yield
3 Month CD	$1,000.00	.25%	.25%
6 Month CD	$1,000.00	.35%	.35%
12 Month CD*	$1,000.00	2.18%	2.20%
15 Month CD	$1,000.00	2.57%	2.60%
24 Month CD*	$1,000.00	2.57%	2.60%
48 Month CD	$1,000.00	1.88%	1.90%
Individual Retirement Accounts
IRA Savings	$50.00	.10%	.10%
12 Month CD*	$1,000.00	2.18%	2.20%
24 Month CD*	$500.00	2.57%	2.60%

*Offer valid as of January 17, 2019 and may be canceled at any time without notice. The advertised Annual Percentage Yield (APY) is effective as of January 17, 2019. Minimum opening deposit and to earn stated APY is $1,000 for Certificate of Deposit and $500 for Individual Retirement Account. The rate may change after the account is opened. A penalty may be imposed for early withdrawal. Fees may reduce earnings.

DEPOSITS INSURED BY FDIC and DIF

Term accounts subject to substantial penalties for early withdrawal.

Rates are subject to change. Please call your local Seamen's Bank branch for current rates.

Privacy Notice
Electronic Funds Disclosure
Member FDIC / DIF

508.487.0035 local
855.227.5347 toll free

Accounts
Account	Maintenance Fee
Personal NOW Balance of $1,000	none
less than $1,000	$5.00*
Money Market Balance of $2,500	none
less than $2,500	$5.00
Business Checking Balance of $2,500	none
less than $2,500	$8.00
NOW Business Checking Balance of $2,500	none
less than $2,500	$8.00
Other Charges
Non-Seamen's ATM Withdrawals	$1.00
Non-customer cash advance	1%/transaction
Non-customer notary service	$2.00/page
EFT Services Charge International Transactions	3%/transaction
Dormant Account Fee	$5.00/month*
Stop Payment	$20.00*
NSF Transfer Charge	$5.00
Overdraft Fee: Maximum $120.00 per day	$30.00/item*
NSF Return Item Fee: Maximum $120.00 per day	$30.00/item*
IRA Transfer	$25.00/transfer
The following may appear as an Advice of Debit on your Statement
ATM/Debit Card Replacement	$10.00
Lost Passbook Replacement	$15.00
Money Order Purchase	$3.00*
Treasurer's Check Purchase	$5.00*
Duplicate/Interim Statement	$4.00
Check Copy	$5.00
Statement Balancing Assistance	$15.00/hour
Account Research	$25.00/hour
Foreign Check Collection, plus other bank fee	$15.00
Escheatment Fee	$50.00
Excess Transactions	$10.00 per occurrence
Tax Levy Process Fee	$50.00
Check Printing Fees	Charges Vary*
Wire Transfers (May appear as an Advice of Debit on your statement)
Incoming, Depositor	$12.00
Outgoing, Domestic	$20.00
Outgoing, Foreign	$60.00

Personal Banking

Residential

Deposit Rates

Effective May 1, 2019

Please take notice that our Fee Schedule is changing. For more information or to obtain a print copy, please visit us at one of our locations or click here to view a printable version.