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Saving Accounts

Cash Saver

Kasasa Saver Account

 Enjoy automatic savings with high interest earnings.

Free Kasasa Saver® is saving made simple. It links to your free Kasasa Cash® checking account to build your savings effortlessly every month.

When you earn cash rewards in your Kasasa® checking, those earnings transfer into your Kasasa Saver. Plus, Kasasa Saver pays up to 1.00% APY* on your balance! Open your Kasasa accounts today at any of our convenient locations.


  • Free account that builds your savings effortlessly
  • Links to free Kasasa Cash Saver checking
  • Automatic transfers of Kasasa Cash Saver earnings
  • 1.00% APY* on balances up to $50,000
  • 1.00% to 0.60% APY on balances over $50,000 depending on balance in account*
  • 0.05% APY* if qualifications are not met on Kasasa Cash Saver
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free internet banking 
  • Free e-Statements 

Earning your rewards is easy.

Qualifying for your Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate, too. To earn your rewards, just do the following transactions and activities in your Kasasa Cash Saver account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Have at least 1 direct deposit or ACH payment transaction post and settle
  • Be enrolled in and agree to receive e-Statements

And if you don’t meet these qualifications, your accounts are still free.

Plus, you’ll still earn our base rate on Kasasa Cash Saver and Kasasa Saver. And you can get right back to earning your full rewards the very next cycle that you qualify.

 *Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following must post and settle to the account during the Monthly Qualification Cycle in order to earn the rewards: Have at least 1 direct deposit or ACH  transaction, have at least 12 PIN-based or signature based debit card purchases post and settle, and be enrolled in and agree to receive monthly e-statements. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases made with debit or credit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. Monthly statement cycle is not the same as monthly qualification cycle.  Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account(s) on the last day of the current statement cycle: Kasasa Saver: Balances up to $50,000 receive APY of 1.00%; and balances over $50,000 earn 0.40% interest rate on the portion of balance over $50,000, resulting in a range from 0.60% to 1.00% APY depending on the account’s balance. Kasasa Cash: Balances up to $25,000 receive a non-compounding APY* of 2.00%; and balances over $25,000 earn 0.40% interest rate on the portion of balance over $25,000, resulting in a non-compounding range from 0.72% to 2.00% APY* depending on the account’s balance (assuming your balance is $125,000, if your balance is higher your APY will be lower, if your balance is lower your APY will be higher). ATM Fee Reimbursement: you will receive reimbursements up to an aggregate total of $25.00 (max. $4.99 per single transaction) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Monthly Qualification Cycle in which you qualified. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When Kasasa Cash qualifications are not met, Kasasa Saver: All balances earn 0.05% APY and ATM withdrawal fees are not refunded. Kasasa Cash: All balances earn a non-compounding APY* of 0.05% and ATM withdrawal fees are not refunded. *When linked to the Kasasa Saver account, the interest earned within the Kasasa Cash account does not compound since it is automatically transferred to the Kasasa Saver account within one day. This automatic transfer may cause an overdraft to your Kasasa Cash account if the account’s balance is less than the transferred amount when transfer occurs. APY = Annual Percentage Yield. APYs accurate as of 12/15/2016. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic banking, maintain a valid email address on record with Millbury National Bank, and monthly receipt of electronic statements are conditions of this account. No Limit on number of accounts. A Kasasa Cash account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. There are no recurring monthly service charges or fees to open or close this account. Account not to be used for commercial purposes. Contact one of our bank service representatives at 508-865-9521 for additional information, details, restrictions, processing limitations and enrollment instructions. Member FDIC. Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A. 

Everyday Savings Account

Statement Savings Accounts pay interest which is posted quarterly and compounded quarterly. You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. A minimum daily balance of $500 needs to be maintained to avoid a monthly service charge of $5.00. Funds may be easily accessed using an ATM card. Limited monthly withdrawals are allowed.

Christmas and Vacation Club Account

Open a club account today to start saving for your holiday or vacation expenses. You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield.

Individual Retirement Accounts ~ IRA's

Individual Retirement Accounts may be tax deferred savings accounts. Interest earned is not taxable until it is withdrawn. Like CD's, IRA's also receive premium interest rates. These accounts are an excellent way for anyone to save for retirement. Federal laws limit the annual amount of deposits that may be placed into an IRA account. Withdrawals are not permitted without penalty. Please refer to Savings Account and Certificate of Deposit Account minimum opening deposit requirements.

Certificates of Deposit ~ CD's

Certificates of Deposit offer premium interest rates. Accounts mature after 91 days, 6 months, 1 year and 2 Year. Longer maturity pays higher interest rates. CD's can be a source of regular income for retirees. Early withdrawals are not permitted without penalty.

Opening deposit required as follows:

  • 91 Day (minimum deposit $1,000.00)
  • 6 Month (minimum deposit $500.00)
  • 1 Year (minimum deposit $500.00)
  • 2 Year (minimum deposit $500.00)








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