rates


Business Account Checking Rates
Type of Accounts Annual Percentage Yield (APY) Interest Rates Monthly Maintenance Fee Min. Daily Balance to Waive
Plus Interest Business Checking
Balances $0 to $10,000 0.00% *see below $15.00 $10,000
$10,000 to $50,000 1.00% *see below $15.00 $10,000
$50,000 to $100,000 1.00% *see below $15.00 $10,000
$100,000+ 1.00% *see below $15.00 $10,000

Notes:                      
Number of Free Transactions: 200. Transactions include deposits, checks paid, POS, ATM withdrawals, ACH, and automatic payments. It does not include items in a deposit. It is $.35 for each transaction thereafter.

* Interest: Interest is a variable tiered rate based on the minimum daily balance which will be credited to the account monthly. Interest will be earned every day that the account equals or exceeds $10,000.00.


Checking Account Rates
Type of Accounts Annual Percentage Yield (APY) Interest Rates Balance for APY Minimum to Open Account
GSB Prime Checking
Balances $0 to $2999 0.00% 0.00% All $25.00
Balances $3000+ 0.10% 0.10% All $25.00
Notes:                       Rates are effective as of 05/03/12.
Annual Percentage Yield (APY) is variable and may change after the account is opened.
Fees may reduce earnings.
For additional information please call 978-352-8600.


Money Market Deposit Account Rates
Type of Accounts Annual Percentage Yield (APY) Interest Rates Balance for APY Minimum to Open Account
GSB Prime Money Market
Balances $0 to $5,000 0.10% 0.10% All $25.00
Balances $5,000+ to $50,000 0.15% 0.15% All $25.00
Balances $50,000+ 0.25% 0.25% All $25.00
GSB 24/7 Money Market
Balances $0 to $5,000 0.05% 0.05% All $25.00
Balances $5,000+ to $50,000 0.10% 0.10% All $25.00
Balances $50,000+ 0.15% 0.15% All $25.00
Classic Money Market
Balances $0 to $5,000 0.01% 0.01% All $25.00
Balances $5,000+ to $50,000 0.05% 0.05% All $25.00
Balances $50,000+ 0.05% 0.05% All $25.00
Main Street Business Money Market
Balances $0 to $25,000 0.15% 0.15% All $1,000.00
Balances $25,000+ to $1 million 0.50% 0.50% All $1,000.00
Balances $1 million+ 0.25% 0.25% All $1,000.00

Notes:                              Rates effective as of 05/03/12.
Annual Percentage Yield (APY) is variable and may change after the account is opened.
Fees may reduce earnings.
GSB Prime or GSB 24/7 Checking Account required for accompanying GSB Prime or GSB 24/7 Money Market Deposit Account Products.

An active Main Street or Corporate Checking account, one that receives at least four deposits per statement cycle, is required for accompanying Main Street Business Money Market account.

Rates subject to change without notice.

For additional information please call 978-352-8600.


Savings Account Rates
Type of Accounts Annual Percentage Yield (APY) Interest Rates Balance for APY Minimum to Open Account
GSB Prime Savings
Statement 0.10% 0.10% All $10.00
GSB 24/7 Savings
Statement 0.05% 0.05% All $10.00
Classic Savings
Passbook/Statement .01% .01% All $10.00
Notes:                    Rates are effective as of 05/03/12.
Annual Percentage Yield (APY) is variable and may change after the account is opened.
Fees may reduce earnings.
GSB Prime or GSB 24/7 Checking Account required for accompanying GSB Prime or GSB 24/7 Savings Account.
Rates subject to change without notice.
For additional information please call 978-352-8600.


Certificate of Deposit Rates                                
Type of Accounts Annual Percentage Yield (APY) Interest Rates Balance for APY Minimum to Open Account
GSB Prime CD
3 Months 0.50% 0.50% All $1,000.00
6 Months 0.55% 0.55% All $1,000.00
9 Months 0.60% 0.60% All $1,000.00
12 Months 0.75% 0.75% All $1,000.00
15 Months 0.75% 0.75% All $1,000.00
18 Months 0.80% 0.80% All $1,000.00
24 Months 1.05% 1.05% All $1,000.00
30 Months 1.15% 1.14% All $1,000.00
36 Months 1.55% 1.54% All $1,000.00
48 Months 1.80% 1.79% All $1,000.00
60 Months 2.00% 1.99% All $1,000.00
GSB 24/7 CD
3 Months 0.25% 0.25% All $1,000.00
6 Months 0.30% 0.30% All $1,000.00
9 Months 0.35% 0.35% All $1,000.00
12 Months 0.50% 0.50% All $1,000.00
15 Months 0.50% 0.50% All $1,000.00
18 Months 0.55% 0.55% All $1,000.00
24 Months 0.80% 0.80% All $1,000.00
30 Months 0.90% 0.90% All $1,000.00
36 Months 1.30% 1.29% All $1,000.00
48 Months 1.55% 1.54% All $1,000.00
60 Months 1.75% 1.74% All $1,000.00
Type of Accounts Annual Percentage Yield (APY) Interest Rates Balance for APY Minimum to Open Account
Classic CD
3 Months 0.15% 0.15% All $1,000.00
6 Months 0.20% 0.20% All $1,000.00
9 Months 0.25% 0.25% All $1,000.00
12 Months 0.30% 0.30% All $1,000.00
15 Months 0.30% 0.30% All $1,000.00
18 Months 0.35% 0.35% All $1,000.00
24 Months 0.55% 0.55% All $1,000.00
30 Months 0.65% 0.65% All $1,000.00
36 Months 1.05% 1.05% All $1,000.00
48 Months 1.30% 1.29% All $1,000.00
60 Months 1.50% 1.49% All $1,000.00

Notes:                      Rates are effective as of 05/03/12.

FOR ALL CDs:
GSB Prime or GSB 24/7 Checking Account needed for accompanying GSB Prime or GSB 24/7 Certificate of Deposits.
Annual Percentage Yield (APY) is variable and may change after the account is opened.
All accounts are subject to early withdrawal penalties.
Rates are subject to change without notice.

APY dependent on interest remaining on deposit until maturity.

Withdrawal may reduce earnings.

Can be used with an IRA plan; IRA fees may reduce earnings.

For additional information please call 978-352-8600.

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