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Savings and Investments

At Millbury Savings Bank, we understand the importance of saving – whether you’re putting money aside for the future, or just trying to manage your monthly cash flow. That’s why we provide savings products and services designed to meet a variety of needs and financial goals. Click here for our current deposit rates.

Statement Savings Account
Make managing your money easy, with a Millbury Savings Bank Statement Savings Account. Enjoy the convenience of an easy-to-read monthly statement summarizing all your account activity.

Passbook Savings
Those who prefer an ongoing record of all their deposits, withdrawals and interest earnings should consider this traditional savings account.

Holiday and Vacation Clubs
With a Club account, you can plan ahead for large purchases and avoid high credit card bills. It’s the easy, painless way to save for holiday gift-giving, charitable contributions, or that special trip.

Regular Money Market Accounts
Available in both passbook and statement form, a Millbury Savings Bank Money Market Account lets you enjoy an attractive rate of return without giving up easy access to your money.

For added convenience, choose the statement option and you can write a limited number of checks each month, and add 24-hour ATM access.

Gateway Money Market Account
Your gateway to higher earnings! Our Gateway Money Market Account offers five interest-rate levels – the more you deposit, the higher your rate. This account is only available in statement form.

Certificates of Deposit
Our Certificates of Deposit are the traditional method of earning guaranteed returns over a specific period of time – no matter what happens in the financial markets. Whether you want to leave your funds on deposit for a few months or a few years, you will find a choice of investment terms available at Millbury Savings Bank.

Individual Retirement Accounts
Let us show you just how simple saving for your future can be, with an IRA from Millbury Savings Bank. Choose a Statement Savings IRA, which gives you the flexibility to put away a little at a time, as often as you wish — even set up automatic savings to put your plan on “autopilot.” Or, choose the guaranteed returns of our IRA Certificates of Deposit. Best of all, there are no setup charges or annual fees. Already have retirement savings elsewhere? A rollover to a Millbury Savings Bank IRA is quick and easy, and we’ll help you every step of the way.

All Deposits Insured in Full
At Millbury Savings Bank, every deposit is insured in full. The first $100,000 per depositor is insured by the Federal Deposit Insurance Corporation (FDIC); all deposits above this amount are insured by the Depositors Insurance Fund (DIF). No one provides better deposit protection!

Convenience Services
We make managing your accounts easy with these convenience services. Choose the ones that will make your banking easier:

24-Hour ATM Access
You can access your accounts at our local ATMs, or ATMs around the world. All you need is a Millbury Savings Bank ATM card or Cash & Check Debit Card.

Millbury Savings Bank Cash & Check Debit Card
Use your Cash & Check Debit Card at restaurants, gas stations, and department stores – anywhere Debit MasterCard is accepted. Purchases are deducted directly from your checking account, just like writing a check. Plus, it’s your ATM card, allowing you access to your Millbury Savings Bank accounts at home and around the world.

Lost or stolen debit card?
In the event you need to report a lost or stolen Millbury Savings Bank Cash & Check Debit Card during non-banking hours, please call 1-800-554-8969.

Avoid ATM Surcharges
We are a member of the SUMSM Program, so you can avoid ATM surcharges by using participating SUM ATMs. Just look for the SUM logo when you need cash. Click here for a list of SUM locations.

Online Banking & Bill Payment
It’s free & easy!
Now you can connect with your Millbury Savings Bank accounts from home, work, or on the road. Log in to our web site to check balances, transfer funds among your Millbury Savings Bank accounts and much more. Add Bill Payment and pay virtually anyone without writing a check! Click here to find out more!

Telephone Banking
Manage your accounts right over the phone, from anywhere, anytime. Call (508) 865-8900 to check account balances, transfer funds, determine which checks have cleared, or inquire about interest rates, loans and more. Bank by phone 24 hours a day, 7 days a week … free of charge!

Overdraft Protection
Add a revolving line of credit to your checking account and avoid the embarrassment of “bouncing” a check.

Bank By Mail
If you find it inconvenient to come to the Bank, use our pre-addressed envelopes to bank by mail. We’ll process your transaction and send you a receipt in the return mail.

Here to serve you!
If you have any questions about our products and services, please complete our information request form, or talk with one of our Customer Service Representatives. They will be happy to answer your questions and assist you in selecting the products and services that best meet your financial needs.

Member FDIC
Member DIF