Personal Banking Savings Accounts, Money Funds and CDs


Everyone manages their money differently, and depending on your goals and needs, we have a savings option that can fit. Whether it’s saving for college, retirement, new furniture, or just a vacation, this is the place to get started.


Select the account below that's right for you.

Certificates of Deposit

If you like the idea of locking in a guaranteed, competitive rate of interest for a fixed period of time, a certificate of deposit is the way to go.

Freedom Platinum®️ customers automatically qualify for premium rates on top of any CD, excluding specials and retirement account CDs.

Two Great CD Options

6 Month 1.80% APY Open a CD today.
12 Month 2.00% APY Open a CD today.


Key Features:

  • Assurance of full deposit insurance protection

  • $250 minimum to open

  • Fixed interest payments, compounded monthly

  • Choose from a variety of fixed terms from 3 to 71 months, PLUS we offer a 12-18 month adjustable rate certificate of deposit on retirement accounts

  • Monitor balances and maturity dates through online banking or by phone with a single call to 1-800-424-2424

  • Choose from a traditional CD, Roth and SEP IRA options

  • Balances can be used to meet Freedom Gold Checking®️ or Freedom Platinum Checking minimum balance requirements.

We also offer retirement certificates of deposit if you're looking for a convenient and secure way to build retirement savings.

Check out our other Certificate of Deposit rates.

Our basic Money Fund Account

A great way to save. Competitive rates, easy access to your money and no monthly maintenance fees.

Key features:

  • The Money Fund Account offers multiple levels of interest rates; the higher your balance, the more you earn

  • Perform all your routine banking and receive access to your money by ATM, online with Online Banking and Bill Pay, or by phone with a single call to 1-800-424-2424

  • As an option, you may choose to use your funds to protect yourself from the hassle and expense of checking overdrafts.

Get premium rates with our Freedom Platinum Money Fund

Receive all the great features of our basic Money Fund account, PLUS, if you've already opened a Freedom Platinum Checking account, you're eligible for premium interest rates. 

Check out our rates

Open a Money Fund, Freedom Gold Money Fund, or Freedom Platinum Money Fund account today.

Savings Accounts that pay.

Nothing like watching your savings grow. With a Middlesex savings account, there’s no monthly fee and you can check your balance anytime you like with Online Banking, or on the go with Mobile Banking. Carrier data rates may apply.

The classic Passbook Savings Account.

For those who like this simple and classic savings account option, ours comes with no monthly maintenance fee, and allows you to see your balance either through Online Banking or a Passbook.

Visit a branch to open a Passbook Savings account today.

Got questions? Call our local customer information center at 1-877-463-6287 or visit any branch. We're happy to help.