Effective Date: Friday, March 24, 2017

Product APY* Interest Rate Minimum / Maximum Deposits (if applicable) Open Now
13 Month CD 0.55% 0.55% $2,000 Minimum Deposit to earn APY  
20 Month CD** 0.85% 0.85% $2,000 Minimum Deposit to earn APY
42 Month CD 1.40% 1.39% $1,000 Minimum Deposit to earn APY

*Annual Percentage Yield. A substantial penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.

**20 Month CD – 0.90% APY* at an Interest Rate of 0.90% for Advantage and Passkey customers.



Effective Date: Friday, March 24, 2017

Product APY* Interest Rate Minimum Balance to Earn APY
7 Day 0.05% 0.05% $5,000.00
10 Day 0.05% 0.05% $5,000.00
13 Day 0.05% 0.05% $5,000.00
21 Day 0.05% 0.05% $5,000.00
91 Day 0.10% 0.10% $2,000.00
0.15% 0.15% $10,000.00
182 Day 0.15% 0.15% $2,000.00
0.20% 0.20% $10,000.00
One Year 0.25% 0.25% $2,000.00
0.30% 0.30% $10,000.00
Two Year 0.40% 0.40% $2,000.00
0.45% 0.45% $10,000.00
Three Year 0.65% 0.65% $1,000.00
Five Year 1.15% 1.14% $1,000.00 Minimum Deposit
Five Year Smart CD 0.90% 0.90% $100.00

* Annual Percentage Yield. A Substantial Penalty is imposed on premature withdrawals from certificates of deposits. Depositors are insured for up to $250,000 by the Federal Deposit Insurance Corporation (FDIC). Fees may reduce earnings. For complete details on any of our deposit products, contact a Personal Banker for assistance at 603.934.4445 or 1.800.372.4445.



Effective Date: Friday, March 24, 2017

Annual Percentage Yield. APYs for deposit instruments with no maturities or maturities of less than one year assume reinvestment at original rate for one year. Interest is earned and compounded monthly. Interest rates are subject to change without notice. Regular fees or other conditions could reduce the yield. For details, review our Truth in Savings Disclosures.

Choose a fixed term for your IRA from the 91 day through the 5 year CD’s terms. Please refer to the Certificate of Deposit Rates tab for current rates.  

Minimum deposit to open a Fixed Rate IRA or a Variable Rate IRA is $500 for 3- through 5-Year terms and $1,000 for any term under 3 Years.

Product APY* Interest Rate Minimum Balance to Earn APY
Variable Rate IRA 0.20% 0.20% $50,000.00  
0.15% 0.15% $15,000.00
0.10% 0.10% $10.00  

* Annual Percentage Yield.



Effective Date: Friday, March 24, 2017

Product APY* Interest Rate Minimum Balance to Earn APY
Lakes Money Market Plus – with FSB Checking 0.17% 0.17% $75,000.00
0.15% 0.15% $25,000.00
0.10% 0.10% $2,500.00
0.05% 0.05% $0.01
Money Market Advantage 0.10% 0.10% $75,000.00
0.07% 0.07% $25,000.00
0.05% 0.05% $2,500.00
0.03% 0.03% $0.01

* Annual Percentage Yield



Effective Date: Friday, March 24, 2017

Product APY* Interest Rate Minimum Balance to Earn APY Open Now
Health Savings Accounts (HSA) 1.70% 1.69% $25,000.00
1.20% 1.19% $10,000.00
0.70% 0.70% $2,500.00
0.45% 0.45% $1,000.00
0.15% 0.15% $0.01
Kids’ Account 0.03% 0.03% $0.50
Statement Savings 0.07% 0.07% $5,000.00 Open Now
0.03% 0.03% $100.00

* Annual Percentage Yield



Effective Date: Friday, March 24, 2017

Product APY* Interest Rate Minimum Balance to Earn APY Open Now
e-Checking 0.05% 0.05% $5,000.00 Open Now
0.05% 0.05% $0.01
Advantage Checking 0.01% 0.01% Varies Open Now
All Others (when applicable) 0.01% 0.01% Varies

*Annual Percentage Yield