Details for RETAIL DEPOSIT

Save Today. Prosper Tomorrow. Berkshire Bank has a savings option that’s right for you! 20-MONTH EXCITEMENT CD 2.00% $1,000 Find your Life is exciting. Let us help. ® PERSONAL PURE EXCITEMENT MONEY MARKET APY 1 min. to open & earn APY • Unlimited CD deposits of $250 or more during the first 6 months • Fixed rate for entire term • Low opening balance 1.50% $25,000 APY 2 on balances of or more • Competitive rates • Plan for a purchase or unexpected expenses • Easy online and mobile banking access • Free mobile deposit What are you saving for? Visit your local branch or call us at 800.773.5601. FREE CHECKING3 $10 minimum to open • Free Berkshire Bank debit card • Easy online & mobile banking access • Unlimited check writing • Free mobile deposit berkshirebank.com Banking products are provided by Berkshire Bank: Member FDIC. Equal Housing Lender. Berkshire Bank is a Massachusetts chartered bank. ¹ The minimum balance to open an account and attain the stated Annual Percentage Yield (APY) is $1,000. Future increases in rates are determined by Berkshire Bank’s review of market conditions. APY is accurate as of 1/24/18. A penalty may be imposed for early withdrawal. Fees may reduce earnings.This offer may be withdrawn at any time. In order to qualify for this account you need to open the CD with $1,000 that is not already on deposit in other accounts with us, you must be primary OWNER of the qualifying checking account, and the maximum balance for this account does not exceed $1,000,000.This premium interest rate and APY is available if you meet the following requirements for the entire applicable term of the certificate: (1) Maintain the Berkshire Bank personal checking account with minimum daily balance of $5,000, or have at least one monthly direct deposit into the checking account.You can open more than one CD, but the total balance combined cannot exceed the $1,000,000 cap. If you do not meet the requirements at any time during the current CD term, the interest rate and the APY of the CD will change to the published standard rate of the same term CD without checking requirements. Current 20-Month Excitement CD (Standard/No Checking) APY is 1.75%.Rate will be changed back to date of last interest posting.CD will no longer earn interest if balance falls below $1,000.You may make unlimited deposits of $250 or more into your account for the first six months. ² Current promotional Pure Excitement Money Market Account Annual Percentage Yields (APYs) which are accurate as of 1/24/18 and subject to change are; $2,500–$24,999.99, 0.35% APY; $25,000 -$999,999.99, 1.50% APY.You must open the account with money that is not already on deposit in other accounts with us. Limit one account per person. You must be a primary OWNER of the qualifying checking account. Promotional rates are valid for new money only and are available for 12 months from account opening. After the 12 months, the interest rate and APY for your account depend upon the applicable rate tier. The interest rate and APY for these tiers may change. Money Market maintenance and other fees, if any, could reduce earnings on this account. The minimum balance to open an account and attain the stated APY is $2,500. The promotional interest rate and APY is available if you meet the following requirements each qualification period (monthly statement cycle): (1) Maintain a Berkshire Bank personal checking account with a minimum daily balance of $5,000, or have at least one monthly direct deposit into the checking account. If these requirements are not maintained, account will be changed to the regular money market tiered account.The new rate will be effective the date of disqualification.The balance of the Pure Excitement Money Market account cannot exceed $1,000,000.If the balance exceeds the cap,the account will earn the regular Pure Excitement Money Market rate.Current regular Pure Excitement Money Market Account APYs are; $2,500–$24,999.99, 0.15% APY; $25,000–$49,999.99, 0.25% APY; $50,000–$99,999.99, 0.40% APY; $100,000 & above, 0.60% APY. Interest rates may vary and offer can be withdrawn at any time. Personal Accounts with banking relationship only.A Berkshire Bank personal checking account is required. ³Please see the Terms and Conditions and Truth In Savings for further details.An early account closure fee of $25 will apply if account is closed within 90 days of opening and other fees may apply. Offer is subject to change at any time. Offer valid in Capital District, Central, NY, Mid Atlantic & MyBanker.Rev. 2/5/18

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