Business Savings

Tailored accounts for your success.

Savings accounts help keep your business growing.

Basic Money Market

  • Earn interest on each day the account balance is above the minimum required. 

Tiered Money Market

  • Earn interest each day the balance is above the minimum required. 
  • Earn a higher rate for larger balances. 

Certificates of Deposit (CDs)

  • Available with maturities from 3 months to 5 years.

IntraFi® Network DepositsSM

  • Access millions in FDIC insurance for deposits, with the simplicity of banking through Newtown Savings Bank with convenient statement.
  • Your large deposit is broken into amounts under $250,000 and placed at other FDIC-insured banks that are members of the IntraFi Network. 
  • Funds are placed into demand deposit accounts and money market deposit accounts with ICS and in CDs with CDARS. 

More details:

  • Tiered Money Market
Maintain a minimum daily balance of $5,000 to earn interest and waive monthly account fees. Earn more interest with higher account balances.

  • Basic Money Market
Earn interest with a minimum $20 monthly account balance and have your fee waived with a minimum daily balance of $1,000.

Visit a branch to open.

  • Money Market Accounts opened in a branch office do not have a minimum deposit to open.
  • Basic Money Market Accounts have a $20 minimum daily balance to earn Annual Percentage Yield.
  • Tiered Money Market Accounts have a $5,000 minimum daily balance to earn APY.

Money Market

Product Interest Rate Annual Percentage Yield
Basic Money Market Account
Tiered MMA - Based on Daily Balance

$0 - $4,999.99
$5,000 - $24,999.99
$25,000 - $49,999.99
$50,000 - $149,999.99
$150,000 - $999,999.99

  • Standard Certificates of Deposit (CDs)
Available with maturities from 3 months to 5 years.

  • All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.
  • Interest credited may be withdrawn prior to maturity without penalty. The Annual Percentage Yield assumes interest will remain on deposit until maturity. A withdrawal will reduce earnings.
  • All Certificates of Deposits will automatically reinvest at maturity for the same or similar term at the rate in effect on that date. The grace period for CDs is ten (10) calendar days.
  • After the account is opened, you may not make deposits into nor withdrawals of principal from this account until the maturity date without substantial penalty. To obtain the Annual Percentage Yield disclosed, principal and interest must remain on deposit for 365 days at the nominal rate of interest.

CDs & IRAs


Annual Percentage Yield Early Withdrawal Penalty
3 Month CD & IRA
30 Days Interest
6 Month CD & IRA
4.50% 90 Days Interest
1 Year CD & IRA
0.25% 180 Days Interest
15 Month CD & IRA
180 Days Interest
18 Month CD & IRA
180 Days Interest
2 Year CD & IRA
365 Days Interest
3 Year CD & IRA
4.64% 4.75% 365 Days Interest
4 Year CD & IRA
0.60% 365 Days Interest
5 Year CD & IRA
0.70% 0.70% 365 Days Interest

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Definitions of Terms:
  • "Annual Percentage Yield" is the percentage rate reflecting the total amount of interest paid on an account, based on the interest rate and the frequency of compounding for a 365-day period.
  • "Principal" is the amount of funds assumed to have been deposited at the beginning of the account.
  • "Interest" is the total dollar amount of interest earned on the principal for the term of the account.

Annual Percentage Yields (APYs) and interest rates shown below are effective as of the date above. For more information regarding our bank rates, call 800.461.0672. Interest rates subject to change.
For all of our deposit accounts and their interest rates: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest begins to accrue on the business day you deposit funds. Fees may reduce earnings. Excluding CDs and IRAs, products listed are variable-rate accounts and your interest rate may change after you open your account.
Placement of funds through the IntraFi Network Deposits service is subject to the terms, conditions, and disclosures in the service agreements, including the Deposit Placement Agreement (“DPA”). Limits and customer eligibility criteria apply. Unlimited program withdrawals are available when using the demand option. Although funds are placed at destination banks in amounts that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”), a depositor’s balances at the relationship institution that places the funds may exceed the  SMDIA (e.g., before  settlement for a deposit or after  settlement for a withdrawal) or be ineligible for FDIC insurance (if the relationship institution is not a bank). As stated in the  DPA, the depositor is responsible for making any necessary arrangements to protect such balances consistent with applicable law. If the depositor is subject to restrictions on placement  of its funds, the depositor is responsible for determining whether its use of IntraFi Network Deposits satisfies those restrictions. ICS and CDARS are registered service marks of IntraFi Network LLC, formerly Promontory Interfinancial Network, LLC.