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Rates

Business Deposit Rates
Checking Rates
Certificate of Deposit Rates
IRA Certificate of Deposit Rates
Personal Loan Rates
Savings Rates

b00Business Money Manager
APY=Annual Percentage Yield*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Business Money Manager Checking

(Minimum to open account $100.00)

$0.00

0.000%

Business Money Manager Investment

(Minimum to open account $100.00)

$0.01

0.350%

*APY=Annual Percentage Yield. The rate may change after the account is opened. Fees may reduce earnings.
** Transactions include all debits/withdrawals, credits/deposits and deposited items

Maintain the target amount to avoid a monthly fee
Any funds over the minimum checking balance amount are swept into an interest-bearing investment account nightly.
No transaction fees for the first 500 monthly transactions**
Equinet� Online Banking with bill pay service available
Business VISA� Debit Card with a flexible limit available

b01Business Statement Savings
APY=Annual Percentage Yield*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Min. Deposit

Business Statement Savings

(Minimum required to open is $10.00)

$0.01

0.350%

$10.00

*APY=Annual Percentage Yield.The rate may change after the account is opened. Fees may reduce earnings. Minimum required to open is $10.00

Business savings account rates with a low $100.00 minimum balance
Ability to link to a checking account for automatic balance protection
Transfer money 24 hours a day online or over the telephone
Free Equinet� Online banking with the option to sign up for electronic statements.

c04Advantage Checking
APY=Annual Percentage Yield*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Advantage Checking

(Minimum required to open is $10.00)

$0.01

0.050%

*The interest rate and Annual Percentage Yield listed is accurate as of the effective date shown above and is subject to change without notice. This is a variable rate account. The rate may change after the account is opened. Fees may reduce earnings. Minimum required to open is $10.00

One year Free of Protect my ID� (valued $155.00) an identity theft solution offered by Experian�
Free basic style checks for the life of the account
Free Money Orders, Treasurer�s checks and Domestic Wire Transfers
Free Equinet� online banking with bill payment
Free Money HQ� and Quicken to help with managing your finances
Preferred Certificate of Deposit Rates (+.25 over our current rates excluding specials)
Unlimited ATM surcharge refunds
Free ATM transactions at Equitable's ATM locations
No ATM transaction charges for using non Equitable ATM�s
Annual credit of $40.00 towards any safe deposit box.
See Safe Deposit Fees
Free Signature Guarantee and Notary Public
Free Mobile Banking
Free Telephone Banking
No fee for each overdraft protection transfer linked to a deposit account

View Personal Deposit Account Agreement and Disclosure

View Personal Fee Schedule

cd01Certificate of Deposits (CD's)
APY=Annual Percentage Yield*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

Interest Rate

APY

Min. Deposit

3 Month Personal CD

$0.01

0.100%

$500.00

6 Month Personal CD

$0.01

0.500%

$500.00

12 Month Personal CD

$0.01

0.650%

$500.00

18 Month Personal CD

$0.01

0.750%

$500.00

24 Month Personal CD

$0.01

1.000%

$500.00

30 Month Personal CD

$0.01

1.100%

$500.00

36 Month Personal CD

$0.01

1.250%

1.260%

$500.00

48 Month Personal CD

$0.01

1.400%

1.410%

$500.00

60 Month Personal CD

$0.01

1.500%

1.510%

$500.00

*APY=Annual Percentage Yield

10 day grace period after date of maturity, after grace period the CD will automatically rollover for the same term.
Early withdrawal may result in penalty
- For terms one year or less the penalty is 3 months interest
- For terms over a year the penalty is 6 months interest
Notices will be mailed out 30 days before maturity

Disclosure for Under 1 Year
Disclosure for 1 Year
Disclosure for Over 1 Year

Program	Minimum Daily Balance to earn APY	Interest Rate	APY	Min. Deposit
cd02IRA Certificate of Deposits (CD's) APY=Annual Percentage Yield* (Effective: Sunday, February 05, 2012)
12 Month IRA CD	$0.01	0.650%	0.650%	$500.00

18 Month IRA CD	$0.01	0.750%	0.750%	$500.00

24 Month IRA CD	$0.01	1.000%	1.000%	$500.00

30 Month IRA CD	$0.01	1.100%	1.100%	$500.00

36 Month IRA CD	$0.01	1.250%	1.260%	$500.00

48 Month IRA CD	$0.01	1.400%	1.410%	$500.00

60 Month IRA CD	$0.01	1.500%	1.510%	$500.00
*APY=Annual Percentage Yield 10 day grace period after date of maturity, after grace period the CD will automatically rollover for the same term. Early withdrawal may result in penalty For terms one year or less the penalty is 3 months interest For terms over a year the penalty is 6 months interest Notices will be mailed out 30 days before maturity Disclosure for 1 Year Disclosure for Over 1 Year

Program	Term	APR	Monthly Payments per $1000 borrowed
L01Unsecured Personal Loan* (Effective: Sunday, February 05, 2012)
12 Month Personal Loan	12 months	11.000%	$88.38

24 Month Personal Loan	24 months	11.000%	$46.61

36 Month Personal Loan	36 months	11.000%	$32.74
*APR=Annual Percentage Rate. Maxium Loan amount is $5000.00. .25% discount for auto payment transfers from your Equitable Bank checking or statement savings account Enjoy guaranteed fixed APR and monthly payments Sign up online to view your bill and manage your loan

Program	Term	APR
L02Personal Line of Credit* (Effective: Sunday, February 05, 2012)
15 Year Personal Line of Credit	15 years	9.000%
*APR=Annual Percentage Rate. Based on the current prime rate of 3.25% APR + a margin of 4.00% as published in the Wall Street Journal on the last business day of the previous month and may vary up to 18.00% APR. Minimum rate is 9.00%. Maximum Loan amount is $10,000.00. No balance transfer or cash advance fees Convenient, ongoing access to your funds with our free Line of Credit checks. Generous Credit Limits

Program	APR
L03Collateral Loan* (Effective: Sunday, February 05, 2012)
Collateral Loan	5.000%
*APR= Annual Percentage Rate. Minimum rate is 5.00%. Collateral loans can be secured by certificates of deposit and passbooks. A quick and easy loan with no approval process. Receive the money same day.

Program	APR
L04Overdraft Protection Line of Credit* (Effective: Sunday, February 05, 2012)
Overdraft Line of Credit	14.000%
*APR= Annual Percentage Rate. Use an overdraft line of credit to protect your checking account from fees related to insufficient funds. Loan allows you to write checks above your checking account balance, up to your available credit limit. Flexible credit limit � as low as $500.00 and up to $2500.00.

Program	APR
L05Credit Builder Loan* (Effective: Sunday, February 05, 2012)
Credit Builder Loan	5.000%
*APR= Annual Percentage Rate. Loan amount request $500.00- $1,500.00. The approved loan amount is placed in an Equitable Bank Savings Account, where it will earn interest. Loan balance plus 5.00% APR is repaid in full over a term of 6 months to one year. Once loan is repaid in full, funds can be withdrawn from the savings account. Additional loans will not be granted until Credit Builder Loan is repaid in full. All applicants must be in good standing with Equitable and have the capacity to repay the loan Low monthly installment payment. Promotes improved savings habits. A report of your favorable payment history will be sent to the credit bureau.

s01Statement Savings
APY=Annual Percentage Yield.*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

APY

Interest Rate

Statement Savings

(Minimum required to open is $10.00)

$0.01

0.100%

*APY=Annual Percentage Yield. The rate may change after the account is opened. Fees may reduce earnings. Minimum required to open is $10.00

Keep $100.00 in your account to avoid a fee
Unlimited withdrawals or transfers in person
Manage your account online for FREE

Our Exceptional Money Market Account is a great way to earn a higher interest with immediate access to your money�one more exceptional reason to make Equitable Bank your savings bank in Massachusetts!

Program	APY	Interest Rate
s03Exceptional Money Market APY=Annual Percentage Yield* (Effective: Sunday, February 05, 2012)
Minimum Balance to earn APY � $0.01 to $2499.99	0.010%	0.010%

Minimum Balance to earn APY � $2500.00-$9999.99	0.250%	0.250%

Minimum Balance to earn APY � $10,000-$24,999.99	0.350%	0.350%

Minimum Balance to earn APY � $25,000-$74,999.99	0.600%	0.600%

Minimum Balance to earn APY � $75,000 or more	0.600%	0.600%
APY=Annual Percentage Yield. The rate may change after the account is opened. Fees may reduce earnings. Open the account with $2500 to earn higher interest Unlimited withdrawals or transfers in person Manage your account online for FREE* Make your holiday season less stressful by putting money in an Equitable Bank Christmas Club. This interest bearing savings account is a great way to save up for that special gift!

s04Christmas Club Passbook
APY=Annual Percentage Yield*
(Effective: Sunday, February 05, 2012)

Program

Minimum Daily Balance
to earn APY

APY

Interest Rate

Christmas Club Passbook

(Minimum required to open is $5.00)

$0.01

0.100%

*APY=Annual Percentage Yield. Minimum required to open is $5.00

Open the savings account with as little as $5.00
Deposit any amount you want as often as you like
Your check will be mailed out at the beginning of October for early shopping.
Set up direct deposit from your paycheck for easy savings.

Our Basic Passbook Savings is popular among young savers who like to see monthly interest posted to their account�and for anyone who wants to stay on top of their deposits, withdrawals and balances.