Needham Bank's Featured 7 Month CD 3.51% APY* - 3.45% Interest Rate* *7 Month CD Interest Rate and Annual Percentage Yield (APY) as of 8/21/08, subject to change without notice. $2,500.00 minimum balance to open and earn APY. CD account has a fixed interest rate for the term of the certificate and may only be changed upon renewal at maturity. If no change is specified at maturity, this CD account will automatically rollover to a 6 Month CD. Penalty for early withdrawal may apply. Fees may reduce earnings. Open a Money Market Tiered Rate account today. Your interest rate will be determined daily based on your account balance as follows: Balance *APY from $ 2,500 to $ 49,999.99 earn 1.00% APY* from $ 50,000 to $ 99,999.99 earn 2.00% APY* from $100,000 and greater earn 2.25% APY* from $500,000 and greater earn 2.50% APY* *Money Market Tiered Rate APY(Annual Percentage Yield) effective as of 7/22/08, subject to change without notice. $2,500 minimum balance to open and earn APY. If daily balance falls below $2,500 APY is .25%. Daily balance of $9.99 or less APY is 0%. Rate may change after account is opened. Fees may reduce earnings. Needham Bank's 3 Year and 5 Year Kick-It-Up CD: 3 Year 3.00% APY* - 2.96% Interest Rate* 5 Year 3.10% APY* - 3.06% Interest Rate* If our rate goes up during your term, we'll "Kick It Up" for you! Accounts require a $1,000.00 minimum balance to open and earn Annual Percentage Yield (APY) stated. Rates and terms are offered as of 7/22/08 and are subject to change or termination without notice. APY stated assumes that interest and principal remain on deposit until maturity. Substantial penalty for early withdrawal. Fees may reduce earnings. The "Kick-It-Up" feature guarantees that if a higher APY becomes available on the new 3 or 5 Year CDs during the term of the CDs, you may elect in writing (1 time only) to increase the rate to a higher APY with no penalty. If you choose to do so, the CD will be renewed for 3 or 5 year at the higher APY. Additional deposit of $500.00 or more can be made during the "Kick-It-Up" request. Needham Bank's 3 Year and 5 Year Kick-It-Up IRA CD: 3 Year 3.05 APY* - 3.01% Interest Rate* 5 Year 3.15% APY* - 3.11% Interest Rate* If our rate goes up during your term, we'll "Kick It Up" for you! Accounts require a $250.00 minimum balance to open and earn Annual Percentage Yield (APY) stated. Rates and terms are offered as of 7/22/08 and are subject to change or termination without notice. APY stated assumes that interest and principal remain on deposit until maturity. Substantial penalty for early withdrawal. Fees may reduce earnings. The "Kick-It-Up" feature guarantees that if a higher APY becomes available on the new 3 or 5 Year CDs during the term of the IRA CDs, you may elect in writing (1 time only) to increase the rate to a higher APY with no penalty. If you choose to do so, the CD will be renewed for 3 or 5 year at the higher APY. Additional deposit of $250.00 or more can be made during the "Kick-It-Up" request providing you have not met your yearly contribution limit. Click here to check out all our Deposit rates or call any of our branch offices!