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Statement Savings

Start a savings program with our Statement Savings account, and you’re on your way to meeting your goals. Start by setting up an automatic transfer from any Belmont Savings Bank checking account. Savings accounts are also a great way to teach children about money.

Certificate of Deposit

Times Have Changed. Reliable Banking Has Not.
Penalty may be imposed for early withdrawal. Fees may reduce earnings. Subject to change without notice. Member FDIC.

Contact Us for Rate Information

Golden Savings

Looking to earn a higher rate of interest and still enjoy the liquidity of a savings account?  The Golden Savings will earn you a higher rate for balances exceeding $75,000.00.  

Christmas Club

It's an easy way to save for Christmas! Open a BSB Christmas Club and save funds to shop for everyone on your Christmas list. You can make deposits in the branch, online, or via automatic transfer to help build up your account in no time. Spread a little extra holiday cheer this year and open a Christmas Club account today. Interest credits at maturity and checks are mailed in October - Just in time for shopping!

Savings Type Annual Percentage Yield (APY) Rate Rate Type Interest Compounded Interest Credited Minimum
Balance to
Earn APY
Minimum Required
Balance to
Statement Savings 0.20% 0.20% Variable Quarterly Quarterly $100.00 $100.00
Golden Savings 0.30% 0.30% Variable Quarterly Quarterly $75,000.00 $75,000.00
  0.20% 0.20% Variable Quarterly Quarterly $100.00 to $74,999.99  
Christmas Club 0.20% 0.20% Variable ----------- Annually $0.01 $5.00

Rates are variable and subject to change without notice.

Fees could reduce the earnings on the above mentioned accounts.

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Individual Retirement Account (IRA)

IRAs are designed to provide you with long-term tax-advantaged savings for retirement. You can choose between a Traditional IRA, a Roth IRA or an Educational IRA. Each option has particular features that allow you to make the most of your tax savings and both are FDIC insured to the maximum permitted by law. Speak with a Belmont Savings Bank representative to learn more about our options and to determine which IRA type is right for your financial goals.

Traditional IRA*

  • Contributions may be tax-deductible 
  • Earns tax-sheltered interest until distribution

 Roth IRA*

  • Provides for taxable contributions, but tax-free distributed earnings
  • Offers the flexibility of early withdrawal without penalty under certain circumstances 

Educational IRA*

  • Tax-free withdrawals for qualified educational expenses
  • Contribute up to $2,000 per year until the child reaches the age of 18

* Always consult with your tax advisor

Contact Us for Rate Information