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Rates

Deposit Rates

Deposit Rates Effective as of September 15, 2014 and are subject to change without notice.

APY is defined to mean Annual Percentage Yield

Personal Accounts
  Minimum
Balance to
Open
Minimum
Balance to
Earn APY
Interest Rate APY
Checking with Interest1 $25.00              $0.01    0.05%           0.05%    
Relationship Checking1 $25.00 $0.01 0.05% 0.05%
Interest Plus Checking Click here for current rates and terms
         
Personal Statement Savings2 $25.00 $0.01 0.10% 0.10%
School Savings2     $1.00 $0.01 0.25% 0.25%
Holiday and Vacation Club3 $5.00 $5.00 0.25% 0.25%
         
Savings Plus2, 7 $25.00      
$0.01 to $2,499.99   $0.01 0.10% 0.10%
$2,500.00 to $9,999.99   $2,500.00 0.12% 0.12%
$10,000.00 to $24,999.99   $10,000.00 0.12% 0.12%
$25,000.00 to $49,999.99   $25,000.00 0.15% 0.15%
$50,000.00 to $99,999.99   $50,000.00 0.15% 0.15%
$100,000.00 and over   $100,000.00 0.20% 0.20%
         
Relationship Savings2, 7 $25.00      
$0.01 to $2,499.99   $0.01 0.10% 0.10%
$2,500.00 to $9,999.99   $2,500.00 0.15% 0.15%
$10,000.00 to $24,999.99   $10,000.00 0.15% 0.15%
$25,000.00 to $49,999.99   $25,000.00 0.15% 0.15%
$50,000.00 to $99,999.99   $50,000.00 0.20% 0.20%
$100,000.00 and over   $100,000.00 0.20% 0.20%
         
Premier Personal Money Market 2 $2,500.00      
$0.01 to $2,499.99   $0.01 0.05% 0.05%
$2,500.00 to $9,999.99   $2,500.00 0.10% 0.10%
$10,000.00 to $24,999.99   $10,000.00 0.10% 0.10%
$25,000.00 to $49,999.99   $25,000.00 0.15% 0.15%
$50,000.00 to $99,999.99   $50,000.00 0.15% 0.15%
$100,000.00 and over   $100,000.00 0.15% 0.15%
         
Health Savings Account 1 $25.00      
$0.01 to $999.99    $0.01 0.05% 0.05%
$1,000.00 to $4,999.99    $1,000.00 0.15% 0.15%
$5,000.00 to $9,999.99    $5,000.00 0.25% 0.25%
$10,000.00 to $24,999.99   $10,000.00 0.35% 0.35%
$25,000.00 to $49,999.99   $25,000.00 0.50% 0.50%
$50,000.00 to $99,999.99   $50,000.00 0.75% 0.75%
100,000.00 and over   $100,000.00 1.00% 1.00%


Business Accounts
  Minimum
Balance to Open
Minimum
Balance to
Earn APY
Interest Rate APY
Business Checking with Interest4 $1,000.00 $1,000.00 0.05% 0.05%
Business Statement Savings2 $100.00 $0.01 0.10% 0.10%
         
Business Relationship Savings2, 7 $100.00      
$0.01 to $2,499.99   $0.01 0.10% 0.10%
$2,500.00 to $9,999.99   $2,500.00 0.15% 0.15%
$10,000.00 to $24,999.99   $10,000.00 0.15% 0.15%
$25,000.00 to $49,999.99   $25,000.00 0.15% 0.15%
$50,000.00 to $99,999.99   $50,000.00 0.20% 0.20%
$100,000.00 and over   $100,000.00 0.20% 0.20%
         
Business Money Market2 $2,500.00      
$0.01 to $2,499.99   $0.01 0.05% 0.05%
$2,500.00 to $9,999.99   $2,500.00 0.10% 0.10%
$10,000.00 to $24,999.99   $10,000.00 0.10% 0.10%
$25,000.00 to $49,999.99   $25,000.00 0.15% 0.15%
$50,000.00 to $99,999.99   $50,000.00 0.15%  0.15%
$100,000.00 to $249,999.99   $100,000.00 0.15% 0.15%
$250,000.00 to $499,999.99   $250,000.00 0.20% 0.20%
$500,000.00 to $999,999.99   $500,000.00 0.20% 0.20%
$1,000,000.00 and over   $1,000,000.00 0.20% 0.20%
         
Lawyer's Trust Account5
(IOLTA / IOLA)
$1,000.00 $.01 0.05% 0.05%


Certificates of Deposit - Personal and Business
Term Minimum
Balance to
Open
Minimum
Balance to
Earn APY
Interest Rate APY
30 to 89 Days6 $1,000.00 $1,000.00 0.05% 0.05%
3 to 5 Months6 $1,000.00 $1,000.00 0.10% 0.10%
6 to 11 Months6 $1,000.00 $1,000.00 0.20% 0.20%
12 to 17 Months6 $1,000.00 $1,000.00 0.25% 0.25%
15 Months6 $1,000.00 $1,000.00  0.25%  0.25%
16 Month Step-Up6 $1,000.00 $1,000.00 0.30% 0.30%
18 to 23 Months6 $1,000.00 $1,000.00 0.35% 0.35%
24 to 35 Months6 $1,000.00 $1,000.00 0.50% 0.50%
36 to 47 Months6 $1,000.00 $1,000.00 0.75% 0.75%
48 to 59 Months6 $1,000.00 $1,000.00 1.00% 1.00%
60 Months6 $1,000.00 $1,000.00 1.09% 1.10%


Individual Retirement Account (IRA) Certificates of Deposit
Term Minimum
Balance to
Open
Minimum
Balance to
Earn APY
Interest Rate APY
12 to 17 Months6 $500.00 $500.00 0.25% 0.25%
16 Month Step-Up6 $500.00 $500.00 0.30% 0.30%
18 to 23 Months6 $500.00 $500.00 0.35% 0.35%
Retirement Savers IRA6 - 18 Months $500.00 $500.00 0.35% 0.35%
24 to 35 Months6 $500.00 $500.00 0.50% 0.50%
36 to 47 Months6 $500.00 $500.00 0.75% 0.75%
48 to 59 Months6 $500.00 $500.00 1.00% 1.00%
60 Months6 $500.00 $500.00 1.09% 1.10%

 

1 Interest is compounded daily and credited monthly. The interest rate may change at any time, and may change after the account is open. A monthly service charge may apply except for Health Savings Accounts. Health Savings Accounts are only available to individuals covered by a HSA Qualified High Deductible Health Plan (HDHP).

2 Interest is compounded daily and credited monthly. The interest rate may change at any time, and may change after the account is open. Transaction limitations apply.

Interest is compounded daily and credited at the end of the club term. Transaction limitations apply. Automatic deposits are required to be made by ACH or EFT. The interest rate may change at any time, and may change after the account is open.

Only available to Sole Proprietorships or Non-Profit Organizations. Interest is compounded daily and credited monthly. The interest rate may change at any time, and may change after the account is open. A monthly service charge and/or ACH fee may apply. 

5 Interest is compounded daily, credited monthly and paid to the State Agency designated by statute. The interest rate may change at any time, and may change after the account is open. 

Interest is compounded daily and credited monthly. The interest rate is fixed and will not change until maturity. The annual percentage yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings. A substantial penalty for early withdrawal may be imposed. Transaction limitations apply. If you have a 16 Month Step-Up, you may exchange the interest rate on your account one time during the term upon written request for the 16 Month Step-Up Certificate rate currently offered. The Retirement Savers IRA will accept additional contributions, rollovers and transfer deposits during the term.

7 Available for new money only, that is, funds that are not currently on deposit in Salisbury Bank and Trust Company. To obtain the APY, Savings Plus requires a linked Checking account with the same signers and combined statement.  To obtain the APY, Relationship Savings requires a linked Relationship Checking account with the same signers and combined statement. To obtain the APY, Business Relationship Savings requires a linked Business Checking or Business Checking with Interest account.

Fees may reduce earnings on accounts.  

Please see a Customer Service Representative for a Truth in Savings Disclosure on any of the above accounts, for further explanation of fees or transaction limitations that may apply.