l to r – Mike Vlahos, Vice President, Commercial Loan Officer, Merrimack County Savings Bank with the owners of Aubin Woodworking, Inc – Randy Wasylak, Vice President and Tony Aubin, President.

Below you will find rates for our most popular accounts that allow you to earn interest.

Because we recognize that your life is unique, we are also available to speak with you by phone or in person to help you find the right solution to meet your business goals. We will take the time to understand your aspirations and offer you a choice of programs that will meet your unique needs, now and as those needs evolve.

Click here to download our current rate sheet.

Please contact us for additional rates or more information.

All rates effective Friday, December 22, 2023 unless otherwise noted and are subject to change without notice.
Business Checking and Savings Accounts
Product Name Minimum Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)
Non-Profit Checking*
($10.00 minimum to open)
$500.00 0.02% 0.02%
Non-Profit Checking*
($10.00 minimum to open)
$25,000.00 0.02% 0.02%
Non-Profit Checking*
($10.00 minimum to open)
$75,000.00 0.02% 0.02%
Non-Profit Checking*
($10.00 minimum to open)
$250,000.00 0.05% 0.05%
IOLTA Checking*
($10.00 minimum to open)
$1,000.00 3.51% 3.57%
Everyday Business Savings**
($10.00 minimum to open)
$100.00 0.10% 0.10%
Everyday Business Savings**
($10.00 minimum to open)
$2,500.00 0.10% 0.10%
Everyday Business Savings**
($10.00 minimum to open)
$10,000.00 0.15% 0.15%
Everyday Business Savings**
($10.00 minimum to open)
$25,000.00 0.20% 0.20%

*Checking Accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce the earnings on Checking Accounts.

**Savings Accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduce the earnings on Savings Accounts.

Premier Business Money Market*
Product Name Minimum Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)
Premier Business Money Market
($25,000.00 minimum to open)
$25,000.00 0.20% 0.20%
Premier Business Money Market
($25,000.00 minimum to open)
$50,000.00 0.25% 0.25%
Premier Business Money Market
($25,000.00 minimum to open)
$100,000.00 0.35% 0.35%
Premier Business Money Market
($25,000.00 minimum to open)
$250,000.00 0.45% 0.45%

*Money Market Accounts are variable rate accounts. The interest rates and APYs may change at the discretion of the Bank. Fees could reduces earnings. Premier Business Money Market requires an active and in good standing Business Checking Account. Please refer to Account Details for details.

Certificates of Deposit – Fixed Rate
Product Name Minimum Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)
90 Day
($500.00 minimum to open)
$500.00 0.50% 0.50%
6 Month Add-On
($500.00 minimum to open)
$500.00 3.93% 4.00%
1 Year
($500.00 minimum to open)
$500.00 1.98% 2.00%
13 Month Promotional
($500.00 minimum to open)
$500.00 4.27% 4.35%
1 1/2 Year (18 Month)
($500.00 minimum to open)
$500.00 1.74% 1.75%
2 Year
($500.00 minimum to open)
$500.00 3.20% 3.25%
3 Year
($500.00 minimum to open)
$500.00 1.24% 1.25%
4 Year
($500.00 minimum to open)
$500.00 0.50% 0.50%
5 Year Bump-Up
($500.00 minimum to open)
$500.00 0.50% 0.50%
  • $500.00 minimum to open Certificate of Deposit. A substantial interest penalty may be required for early withdrawals from Certificates of Deposit and IRA CDs. Contact a representative for further information regarding applicable fees and terms. Fees could reduce the earnings on the account.
Business Money Market*
Product Name Minimum Balance To Earn Stated APY Interest Rate Annual Percentage Yield (APY)
Everyday Business Money Market
($500.00 minimum to open)
$2,500.00 0.15% 0.15%
Everyday Business Money Market
($500.00 minimum to open)
$25,000.00 0.20% 0.20%
Everyday Business Money Market
($500.00 minimum to open)
$100,000.00 0.25% 0.25%
Everyday Business Money Market
($500.00 minimum to open)
$250,000.00 0.30% 0.30%

*Money Market Accounts are variable rate accounts. The interest rates and APYs may change at the Bank’s discretion. Fees could reduce earning.

  • Interest on Merrimack County Savings Bank’s deposits is compounded every month and credited to your account monthly, using the daily balance method. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on non-cash deposits (for example, checks) begins to accrue no later than the next business day.
  • Please note that all Certificates of Deposit are available as Roth and Traditional IRAs.
  • Please refer to the Account Terms schedule for applicable fees and other details.