Content: Effective January 21, 2025

Checking

Interest Checking	Rate	APY	Minimum Deposit to Open
Minimum Average Daily Balance to Earn APY: $500	0.25%	0.25%	$500	Click to Apply

Money Market	Rate	APY	Minimum Deposit to Open
Minimum Average Daily Balance to Earn APY: $500 to $999,999.99	3.68%	3.75%	$500	Click to Apply
Minimum Average Daily Balance to Earn stated APY: $1,000,000 and above	3.68%	3.75%	$500	Click to Apply

Savings

Savings Products	Rate	APY	Minimum Deposit to Open
Savings & IRA Savings — Minimum Average Daily Balance to earn APY: $100 to $999,999.99	4.16%	4.25%	$25	Click to Apply
Savings & IRA Savings — Minimum Average Daily Balance to earn APY: $1,000,000 and above	4.16%	4.25%	$25	Click to Apply
Holiday Club Accounts — Minimum Average Daily Balance to earn APY: $10	4.16%	4.25%	$10	Click to Apply
Vacation Club Accounts — Minimum Average Daily Balance to earn APY: $10	4.16%	4.25%	$10	Click to Apply
Interest on Lawyer Accounts	3.30%	3.36%	$00	Click to Apply

Certificates of Deposit & IRA CDs

Term: Certificates of Deposit	Rate	APY	Minimum Deposit to Open
90 Day	3.20%	3.25%	$250	Click to Apply
180 Day (6 months)	4.16%	4.25%	$250	Click to Apply
1 Year (12 months)	3.92%	4.00%	$250	Click to Apply
1 1/2 Years (18 Months)	3.44%	3.50%	$250	Click to Apply
2 Years (24 Months)	3.63%	3.70%	$250	Click to Apply
3 Years (36 Months)	3.73%	3.80%	$250	Click to Apply
4 Years (48 Months)	3.83%	3.90%	$250	Click to Apply
5 Years (60 Months)	3.92%	4.00%	$250	Click to Apply

The APY is the Annual Percentage Yield, which is based on interest compounded daily. Fees may reduce earnings on your account (see Fee Schedule for details). Rates on Checking and Savings products are subject to change at Spring Bank’s discretion. Rates on Certificates of Deposits are fixed at opening. Early withdrawal penalties apply.

Competitive Rates

Interested in applying now? Please fill out the form below and go through our online application process.

Schedule an Appointment

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Have any questions? Stop by a branch or call us at (718) 879-5000.