Individual Retirement Accounts

At Bay State Savings Bank, we know you’re working hard to get where you’re going. Your money should too. With our IRA options, you can take control of your future through thoughtful, early planning, while keeping your funds safe thanks to our FDIC and DIF insurance.

– Available terms: 3 months – 5 years. 1
– At maturity, funds can be added, terms can be changed, and partial withdrawals are permitted.
– Interest earned may be withdrawn at any time without penalty.
– Free telephone and internet banking (inquiries only).
– No monthly or annual fees.

View Rates


1)As with most IRAs, there is a penalty for early withdrawal.

Please contact your tax / financial advisor to help determine which plan is right for you. Fees may reduce earnings.