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Personal Savings Products

Whether your goal is to save for retirement, education expenses, home improvements or a vacation, Bristol County Savings Bank has the right account for you. Our convenient Savings Account options can help you meet your savings goals.

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Statement Savings Account



Earn interest while enjoying the convenience of unlimited in-person or ATM withdrawals and a detailed monthly statement or passbook. Avoid the $1 monthly maintenance fee when you maintain a minimum daily balance of $200.

Certificates of Deposit (CDs)

A great solution for your short or long-term savings goals. Choose from a variety of terms from 1 month to 5 years - to find the one that’s right for you.

Money Market Accounts


If you’re looking for flexibility with your savings account, a statement or passbook money market account may be right for you. Our money market accounts offer tiered interest rates, easy access to your funds, and no monthly maintenance fee.

Individual Retirement Accounts (IRAs)

We can help you prepare for the future by offering both Traditional and Roth IRA options. You can benefit from a CD with higher returns, fixed interest rates and the peace of mind knowing your investment is safe from market fluctuations.

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PRIME TIME™ Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 12/20/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
3 Month1,2† 1.00% 1.00% $1,000 & up
6 Month1,2† 5.00% 5.06% $1,000 & up
1 Year1† 5.00% 5.13% $1,000 & up
15 Month1† 4.25% 4.34% $1,000 & up
2 Year1† 3.75% 3.82% $1,000 & up
3 Year1† 2.75% 2.78% $1,000 & up
4 Year1† 3.00% 3.04% $1,000 & up
5 Year1† 3.25% 3.30% $1,000 & up
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
† Must maintain a Prime Time Checking account to be eligible for product.
Fees could reduce the earnings on all accounts listed above.

PRIME TIME™ Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of December 20, 2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
3 Month1,2† 5.00% 5.09% $1,000 & up
6 Month1,2† 5.00% 5.06% $1,000 & up
9 Month1,2† 4.75% 4.78% $1,000 & up
1 Year1† 4.50% 4.60% $1,000 & up
18 Month1† 4.25% 4.34% $1,000 & up
2 Year1† 4.00% 4.08% $1,000 & up
3 Year1† 3.75% 3.82% $1,000 & up
4 Year1† 4.00% 4.08% $1,000 & up
5 Year1† 4.00% 4.08% $1,000 & up
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
† Must maintain a Prime Time Checking account to be eligible for product.
Fees could reduce the earnings on all accounts listed above.

Term Accounts – Certificate of Deposits and Individual Retirement Accounts

Rates effective as of 12/20/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
1 Month1,2 0.05% 0.05% $1,000
3 Month1,2 0.75%
0.75%		 0.75%
0.75%		 $5,000
$1,000
6 Month1,2 4.75%
4.75%		 4.81%
4.81%		 $5,000
$1,000
1 Year1 4.75% 4.86% $1,000 & up
15 Month1 4.00% 4.08% $1,000 & up
18 Month1 4.75% 4.86% $1,000
2 Year1 3.50% 3.56% $1,000 & up
3 Year1 2.50%
2.50%		 2.53%
2.53%		 $5,000
$1,000
4 Year1 2.75%
2.75%		 2.78%
2.78%		 $5,000
$1,000
5 Year1 3.00%
3.00%		 3.04%
3.04%		 $5,000
$1,000
1 An early withdrawal penalty may be imposed.
2 Simple interest earned, APY assumes all interest will remain on deposit for one year.
Fees could reduce the earnings on all accounts listed above.

Term Accounts – Certificate of Deposits and Individual
Retirement Accounts

  • 1 Month¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    0.05% 0.05% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.
  • 3 Month¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    4.75% 4.84% $5,000
    4.75% 4.84% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.
  • 6 Month¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    4.75% 4.81% $5,000
    4.75% 4.81% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.
  • 9 Month¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    4.50% 4.53% $5,000
    4.50% 4.53% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.
  • 1 Year¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    4.25% 4.34% $1,000 & up
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.
  • 18 Month¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    4.00% 4.08% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.
  • 2 Year¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    3.75% 3.82% $1,000 & up
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.
  • 3 Year¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    3.50% 3.56% $5,000
    3.50% 3.56% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.
  • 4 Year¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    3.75% 3.82% $5,000
    3.75% 3.82% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.
  • 5 Year¹

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    3.75% 3.82% $5,000
    3.75% 3.82% $1,000
    1 The minimum opening deposit for these accounts is $10.00.
    Fees could reduce the earnings on all accounts listed above.

Savings Accounts

Rates effective as of 12/20/2024

Account Type Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
Prime TimeTM
Elite Money Market 1,2†		 2.50%
2.50%
2.50%
2.50%
2.50%
1.75%
1.00%
0.75%
0.35%		 2.53%
2.53%
2.53%
2.53%
2.53%
1.76%
1.00%
0.75%
0.35%		 >$2,000 ,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$0.01 ‑ 24,999.99
Prime TimeTM
Money Market Passbook1,2†		 1.25%
1.25%
1.25%
1.25%
1.25%
1.25%
1.00%
0.50%
0.35%
0.10%
0.10%
0.10%		 1.26%
1.26%
1.26%
1.26%
1.26%
1.26%
1.00%
0.50%
0.35%
0.10%
0.10%
0.10%		 >$2,000 ,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$10,000 ‑ 24,999.99
$2,500 ‑ 9,999.99
$1,000 ‑ 2,499.99
<$1,000
Money Market Passbook or Statement1,2 0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.15%
0.10%
0.10%
0.10%
0.10%
 0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.50%
0.15%
0.10%
0.10%
0.10%
0.10%
 >$2,000,000
$1,500,000 ‑ 1,999,999.99
$1,000,000 ‑ 1,499,999.99
$500,000 ‑ 999,999.99
$250,000‑ 499,999.99
$100,000 ‑ 249,999.99
$50,000 ‑ 99,999.99
$25,000 ‑ 49,999.99
$10,000 ‑ 24,999.99
$2,500 ‑ 9,999.99
$1,000 ‑ 2,499.99
<$1,000
Regular Savings Passbook or Statement1,2 0.05% 0.05% $0.01
1 The minimum opening deposit for these accounts is $10.00.
2 The rate on these accounts may change after the account is opened.
† Customers must maintain a PRIME TIME Checking Account to be eligible for product.
Fees could reduce the earnings on all accounts listed above.
  • Prime Time™ Elite Money Market¹ ² ⁺

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    2.50% 2.53% >$2,000 ,000
    2.50% 2.53% $1,500,000 ‑ 1,999,999.99
    2.50% 2.53% $1,000,000 ‑ 1,499,999.99
    2.50% 2.53% $500,000 ‑ 999,999.99
    2.50% 2.53% $250,000‑ 499,999.99
    1.75% 1.76% $100,000 ‑ 249,999.99
    1.00% 1.00% $50,000 ‑ 99,999.99
    0.75% 0.75% $25,000 ‑ 49,999.99
    0.35% 0.35% $0.01 ‑ 24,999.99
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    † Customers must maintain a PRIME TIME Checking Account to be eligible for product.
    Fees could reduce the earnings on all accounts listed above.
  • Prime Time™ Money Market Passbook¹ ² ⁺

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    1.25% 1.26% >$2,000 ,000
    1.25% 1.26% $1,500,000 ‑ 1,999,999.99
    1.25% 1.26% $1,000,000 ‑ 1,499,999.99
    1.25% 1.26% $500,000 ‑ 999,999.99
    1.25% 1.26% $250,000‑ 499,999.99
    1.25% 1.26% $100,000 ‑ 249,999.99
    1.00% 1.00% $50,000 ‑ 99,999.99
    0.50% 0.50% $25,000 ‑ 49,999.99
    0.35% 0.35% $10,000 ‑ 24,999.99
    0.10% 0.10% $2,500 ‑ 9,999.99
    0.10% 0.10% $1,000 ‑ 2,499.99
    0.10% 0.10% <$1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    † Customers must maintain a PRIME TIME Checking Account to be eligible for product.
    Fees could reduce the earnings on all accounts listed above.
  • Money Market Passbook or Statement¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    0.50% 0.50% >$2,000,000
    0.50% 0.50% $1,500,000 ‑ 1,999,999.99
    0.50% 0.50% $1,000,000 ‑ 1,499,999.99
    0.50% 0.50% $500,000 ‑ 999,999.99
    0.50% 0.50% $250,000‑ 499,999.99
    0.50% 0.50% $100,000 ‑ 249,999.99
    0.50% 0.50% $50,000 ‑ 99,999.99
    0.15% 0.15% $25,000 ‑ 49,999.99
    0.10% 0.10% $10,000 ‑ 24,999.99
    0.10% 0.10% $2,500 ‑ 9,999.99
    0.10% 0.10% $1,000 ‑ 2,499.99
    0.10% 0.10% <$1,000
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.
  • Regular Savings Passbook or Statement¹ ²

    Rates effective as of January 17, 2024

    Interest Rate Annual Percentage Yield (APY) Minimum Balance Required to earn advertised APY
    0.05% 0.05% $0.01
    1 The minimum opening deposit for these accounts is $10.00.
    2 The rate on these accounts may change after the account is opened.
    Fees could reduce the earnings on all accounts listed above.

Features of our savings account products* include:

online banking iconmobile banking iconestatements iconbill pay iconquicken compatibility icon

*Bill pay users must be 18 years of age and over. Accounts may offer the above features but users must perform an action to access them. Overdraft opt-in is required.