Better Together ℠
Savings

View Rates

 

Savings can make your dreams come true.


You want your money to help you make that big purchase, prepare for retirement, or teach your kids how to save.  Together we can help you achieve your goals. Pittsfield Co-op will provide sound advice, attentive service, and the right account for your needs.

Savings and Money Market Accounts
Certificates of Deposit (CDs)
Retirement Accounts
Health Savings Accounts (Call to Learn More)
Children's Savings and Christmas Club

Let us help you find the perfect savings vehicle for your needs.  Call (413) 447-7304 or visit a branch office today.

Savings and Money Market Accounts


Our savings and money market accounts provide great interest rates and immediate access to your money.

ProductBetter Together
Statement Savings
Better Together
Tiered Statement Savings
Better Together
Money Market
Deposits

Unlimited

Unlimited

Unlimited
Withdrawals and Transfers

Unlimited in person at the bank

6 per month via phone, internet or pre-authorized withdrawal

Unlimited in person at the bank

6 per month via phone, internet or pre-authorized withdrawal

Unlimited in person at the bank

6 per month via check, phone, internet or pre-authorized withdrawal

Check Writing

No

No

Yes

Minimum to Open $10 $100 $100
Pays Interest Yes, the same rate for all deposits Yes, interest rates increase at higher deposit levels (tiered) Yes, interest rates increase at higher deposit levels (tiered)

Anywhere Together

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Mobile Check Deposit

Instant Issue MasterMoney Debit Card (if you also have a checking account)

Thousands of Free SUM ATMs

E-statements

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Mobile Check Deposit

Instant Issue MasterMoney Debit Card (if you also have a checking account)

Thousands of Free SUM ATMs

E-statements

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Mobile Check Deposit

Instant Issue MasterMoney Debit Card

Thousands of Free SUM ATMs

E-statements

Safe and Secure Together

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Free Credit Score Monitoring

Card Valet

Fraud Monitoring

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Free Credit Score Monitoring

Card Valet

Fraud Monitoring

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Free Credit Score Monitoring

Card Valet

Fraud Monitoring

Monthly Fee

None

None

None

Learn More

Call Email

 Download Rates

Call Email

 Download Rates

Call Email

 Download Rates

Open a Savings Account Today

Call Email

Real People. Real Service.
Banking Is Better Together.

 

Certificates of Deposit (CDs)


If you can put your money in a safe place for three months to five years, you can earn what is usually our highest savings rate.

ProductBetter Together
Certificates of Deposit
Term (Length) of Deposit

3 to 60 months

Withdrawals and Transfers

At the end of term

Early Withdrawals

You can get your money anytime. However, there is a penalty if you take your money before the end of the term. 

Minimum to Open $500
Pays Interest Yes, the rate is guaranteed when your CD is held for the entire term (length of the deposit).

Anywhere Together (Get information on your deposit)

Online Banking
Mobile Banking For iOS And Android
Telephone Banking 
Text Banking
E-statements

Safe and Secure Together

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Fraud Monitoring

Monthly Fee

None

Learn More

Call Email

 Download Rates

 

Get a CD Today

Call Email

Real People. Real Service.
Banking Is Better Together.

Retirement Accounts (IRAs)


Prepare for the future and save on taxes. Financial experts agree that the earlier you start saving the better off you will be. With an IRA, your interest accumulates tax-free and grows more quickly.

ProductBetter Together
Traditional IRA 
Better Together
Roth IRA
Potential Tax Advantages

Interest accumulates tax-free.

Save now: You may be able to deduct your contribution (deposit) off your taxes. 

Interest accumulates tax-free.

Save later: Pay no taxes when you withdraw at retirement.

Maximum Contribution (Deposit) $6000 per year
($7000 for those over age 50)

$6000 per year
($7000 for those over age 50)

Types of Investments  Savings and Certificates of Deposit

Savings and Certificates of Deposit 

Minimum to Open  $500 $500
Eligibility Must have earned income (no age restriction).  Must have earned income (no age restriction).
When may funds be withdrawn

You may start to withdraw funds without penalty at age 59½.

Withdrawals before age 59½ may be subject to an IRS penalty.

You must start to take withdrawals at age 72.

You may start to withdraw funds without penalty at age 59½.

Withdrawals before age 59½ may be subject to an IRS penalty.

Anywhere Together (Get information on your deposit)

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Smartphone Banking Apps For iOS And Android

E-statements

Online Banking

Mobile Banking For iOS And Android

Telephone Banking

Text Banking

Smartphone Banking Apps For iOS And Android

E-statements

Safe and Secure Together

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Fraud Monitoring

FDIC Insurance

DIF Insurance
(full balance insurance, above what FDIC pays)

Fraud Monitoring

Monthly Fee

 None

None

Learn More

Call Email

 Download Rates

Call Email

 Download Rates

 

Open an IRA Today

Call Email

Real People. Real Service.
Banking Is Better Together.

Children's Savings


Start the savings habit early with an account specially designed for customers under the age of 19. You can open the account with just $5. Your child earns interest and can watch the savings grow. There is never a monthly fee.

Christmas Club


Save for the holidays. You can open the account with just $10. The balance of your account will be automatically mailed to you upon maturity of the Christmas Club period. There is never a monthly fee.

Open an Account Today

Call Email

Real People. Real Service.
Banking Is Better Together.

 
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