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    Torrington Saving Foundation presenting grant award to the Torrington Library

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    Headshot of Bob Palermo

    Bob Palermo Joins TSB as Vice President, Commercial Lending

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Deposit Rates

Special CDs

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Open
6 Month CD 5.000% 4.879% $1,000.00 Open Now
6 Month IRA CD 5.000% 4.879% $1,000.00 How to Open

DETAILS: Offer may expire without notice and may be withdrawn at any time. Rates are subject to change without notice. Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. Early withdrawal of funds will be equal to 3 months interest and may reduce the principal. At the time of maturity, a 6 Month CD will renew to a 6 Month CD at the interest rate and APY in effect at the time of renewal. For IRAs, no penalty for early withdrawal over 59 ½ years of age.

Certificates of Deposit (CD)

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Open
3 Month CD 0.150% 0.150% $1,000.00 Open Now
9 Month CD 0.200% 0.200% $1,000.00 Open Now
1 Year CD 0.250% 0.250% $1,000.00 Open Now
13 Month CD 0.250% 0.250% $1,000.00 Open Now
15 Month CD 0.250% 0.250% $1,000.00 Open Now
18 Month CD 2.250% 2.225% $1,000.00 Open Now
21 Month Bump Up CD 0.400% 0.399% $1,000.00 Open Now
2 Year CD 3.000% 2.956% $1,000.00 Open Now
30 Month CD 3.250% 3.198% $1,000.00 Open Now
3 Year CD 0.500% 0.499% $1,000.00 Open Now
4 Year CD 0.600% 0.598% $1,000.00 Open Now
5 Year CD 0.700% 0.698% $1,000.00 Open Now

DETAILS: Interest is compounded from the day of deposit to the day of withdrawal and is credited monthly. A substantial interest penalty is required for early withdrawals from Certificates of Deposit. For CDs with a term from 3 months to 1 year; penalty is 3 months’ simple interest on the amount withdrawn. For CDs with a term of more than one year; penalty is 6 months’ simple interest on the amount withdrawn. See Consumer Disclosures for additional rules and regulations that may apply to your account.

IRA Certificates of Deposit (CD)

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Open
3 Month CD 0.150% 0.150% $1,000.00 How to Open
9 Month CD 0.200% 0.200% $1,000.00 How to Open
1 Year CD 0.250% 0.250% $1,000.00 How to Open
13 Month CD 0.250% 0.250% $1,000.00 How to Open
15 Month CD 0.250% 0.250% $1,000.00 How to Open
18 Month CD 2.250% 2.225% $1,000.00 How to Open
21 Month Bump Up CD 0.400% 0.399% $1,000.00 How to Open
2 year CD 3.000% 2.956% $1,000.00 How to Open
30 Month CD 3.250% 3.198% $1,000.00 How to Open
3 Year CD 0.500% 0.499% $1,000.00 How to Open
4 Year CD 0.600% 0.598% $1,000.00 How to Open
5 Year CD 0.700% 0.698% $1,000.00 How to Open

DETAILS: Interest is compounded from the day of deposit to the day of withdrawal and is credited monthly. A substantial interest penalty is required for early withdrawals from IRA Certificates of Deposit. For IRAs with a term from 3 months to 1 year; penalty is 3 months’ simple interest on the amount withdrawn. For IRAs with a term of more than one year; penalty is 6 months’ simple interest on the amount withdrawn. No penalty for early withdrawal over 59 ½ years of age. See IRA Plan and Consumer Disclosure for additional rules and regulations that may apply to your account.

Checking Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open
Hometown Checking N/A N/A N/A $100.00 Open Now
Journey Checking N/A N/A N/A $25.00 Open Now
BankRight Checking N/A N/A N/A $10.00 How to Open
Advantage NOW Checking 0.050% 0.050% $250.00 $100.00 Open Now
Advantage 50 Checking 0.050% 0.050% $5.00 $100.00 Open Now

Money Market Savings Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open # of Days
Hometown Money Market 0.050% 0.050% Less than $1,000.00 $1,000.00 365 Open Now
Hometown Money Market 0.100% 0.100% $1,000.00 $1,000.00 365 Open Now
Hometown Money Market 0.120% 0.120% $50,000.00 $1,000.00 365 Open Now
Hometown Money Market 0.150% 0.150% $100,000.00 $1,000.00 365 Open Now
Signature Money Market 0.500% 0.499% Less than $10,000 $2,500.00 365 How to Open
Signature Money Market 0.750% 0.747% $10,000.00 $2,500.00 365 How to Open
Signature Money Market 1.050% 1.045% $50,000.00 $2,500.00 365 How to Open
Signature Money Market 2.050% 2.029% $100,000.00 $2,500.00 365 How to Open

DETAILS: Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. To realize the effective annual yield, principal and interest must remain on deposit for a full year at the original rate. See our Terms and Conditions disclosure for the rules and regulations which apply to all of our accounts.

Regular Savings Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open # of Days
Hometown Savings 0.500% 0.499% $5.00 $5.00 365 Open Now
Journey Savings 0.500% 0.499% Less than $10,000.00 $5.00 365 How to Open
Journey Savings 0.600% 0.598% $10,000.00 $5.00 365 How to Open
Journey Savings 0.750% 0.747% $25,000.00 $5.00 365 How to Open
Journey Savings 1.000% 0.995% $50,000.00 $5.00 365 How to Open
First Time Savers Club 5.116% 5.000% Less than $1,000.00 $1.00 12 Months How to Open
First Time Savers Club 0.100% 0.100% More than $1,000.00 $1.00 12 Months How to Open
Build Your Own Club Account 0.050% 0.050% $0.01 $1.00 365 How to Open

DETAILS: Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly.

IRA Money Market Savings Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open # of Days
IRA Money Market 0.050% 0.050% Less than $1,000.00 $1,000.00 365 How to Open
IRA Money Market 0.100% 0.100% $1,000.00 $1,000.00 365 How to Open
IRA Money Market 0.120% 0.120% $50,000.00 $1,000.00 365 How to Open
IRA Money Market 0.150% 0.150% $100,000.00 $1,000.00 365 How to Open
IRA Signature Money Market 0.500% 0.499% Less than $10,000 $2,500.00 365 How to Open
IRA Signature Money Market 0.750% 0.747% $10,000.00 $2,500.00 365 How to Open
IRA Signature Money Market 1.050% 1.045% $50,000.00 $2,500.00 365 How to Open
IRA Signature Money Market 2.050% 2.029% $100,000.00 $2,500.00 365 How to Open

DETAILS: Interest is compounded continuously from the day of deposit to the day of withdrawal and is credited monthly. To realize the effective annual yield, principal and interest must remain on deposit for a full year at the original rate. See our Terms and Conditions Disclosure for the rules and regulations which apply to all of our accounts.

Health Savings Account

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate
Premier Health Savings 0.050% 0.050% $0.01 – $4,999.99 How to Open
Premier Health Savings 0.100% 0.100% $5,000.00 – $24,999.99 How to Open
Premier Health Savings 0.150% 0.150% $25,000.00 + How to Open

Business Money Market Savings Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open # of Days
Better Business Money Market 0.070% 0.070% $1,000.00 $100.00 365 How to Open

Special Purpose Accounts

Effective Date: March 19, 2024

Deposit Product Annual Percentage Yield Interest Rate Minimum Balance to Earn Posted Rate Minimum Balance to Open # of Days
IOLTA Checking 1.005% 1.000% $5.00 $0.01 365 How to Open
IOREBTA Checking 0.050% 0.050% $5.00 $0.01 365 How to Open
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