Individual Retirement Account

Billerica Branch Traffic Alert & Holiday Closure

Our Billerica Branch parking lot remains open. Due to nearby construction, the parking lot exit is temporarily blocked, and police are directing traffic in and out through the entrance. We apologize for any inconvenience.

Holiday Hours: All StonehamBank offices will be closed Monday, October 12, in observance of Columbus/Indigenous Peoples’ Day. ATMs, Online Banking and Mobile Banking remain available.

Individual Retirement Account Features

$1000 minimum balance to open and earn Annual Percentage Yield (APY)
Lock in a secured interest rate for a fixed period of time¹
Deposits are fully insured by the Federal Deposit Insurance Corporation (FDIC) and Depositors Insurance Fund (DIF)
Terms from 6 months to 5 years

View IRA Rates

¹Penalties may be imposed on early withdrawals. Fees may reduce earnings.

IRA Rates*

Effective as of 10/6/2026

Term	Interest Rate	Annual Percentage Yield (APY)	Minimum to Open & Earn APY
6 months	0.35%	0.35%	$1,000.00
9 months - SPECIAL	4.02%	4.10%	$1,000.00
12 months	0.35%	0.35%	$1,000.00
13 months - SPECIAL	4.02%	4.10%	$1,000.00
18 months	2.96%	3.00%	$1,000.00
24 months	3.20%	3.25%	$1,000.00
36 months	3.20%	3.25%	$1,000.00
48 months	3.20%	3.25%	$1,000.00
60 months	3.20%	3.25%	$1,000.00

*APY = Annual Percentage Yield

Penalties may be imposed on early withdrawals. Fees may reduce earnings. Rates are subject to change.

Individual Retirement Accounts (IRAs) are subject to limitations and/or penalties imposed by the Internal Revenue Service.

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Individual Retirement Account (IRA)

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Our Additional Savings Accounts

Optimum Savings | Optimum Money Market | Plus One Money Market | CD

Billerica Branch Traffic Alert & Holiday Closure

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Individual Retirement Account (IRA)

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Individual Retirement Account Features

IRA Rates*

Plan for a Bright Financial Future

Mortgages Made Easy

Individual Retirement Account (IRA)

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