Savings accounts tailored to your goals
At Adams Community Bank, we offer a variety of savings options designed to meet your needs—no matter where you are on your financial journey. From our Everyday Savings account for those just getting started, to our Personal and Premier Money Market accounts that offer greater earning potential with flexible access, we make it easy to build healthy saving habits and watch your money grow.
For customers looking to take their savings even further, our High-Yield Savings, Certificates of Deposit (CDs), and Individual Retirement Accounts (IRAs) provide opportunities to earn competitive returns and plan for the future with confidence. Whether you’re saving for short-term goals or long-term dreams, ACB’s savings solutions are here to help you achieve them—at every stage of life.
Learn More
Discover how ACB’s savings solutions can help you grow your money and plan for every stage of life.
EVERYDAY SAVINGS ACCOUNT
Our Everyday Savings account is a simple and secure way to start building your savings while keeping your money protected. This account is fully insured by both FDIC and DIF, giving you peace of mind knowing your funds are fully covered.
Plus, it qualifies for Massachusetts’ “18/65” benefits, offering added advantages for customers age 18 or younger and 65 or older. It’s the perfect choice for anyone looking for a dependable and easy-to-manage savings option.
Key Features:
Pairs well with:
PERSONAL MONEY MARKET ACCOUNT
ACB’s Personal Money Market account offers the perfect balance between earning potential and everyday accessibility. Enjoy competitive interest rates while maintaining convenient access to your funds when you need them most.
Plus, your deposits are fully protected by both FDIC and DIF insurance—providing peace of mind as your savings grow safely and securely.
Key Features:
Pairs well with:
PREMIER MONEY MARKET ACCOUNT
Our Premier Money Market account is designed for those who want the benefits of a checking and savings relationship, earning interest on their balances while maintaining easy access to their funds.
Enjoy competitive interest rates, special account perks, and the convenience of managing your day-to-day savings and spending in one place. With accounts fully insured by FDIC and DIF, you can bank confidently knowing your money is secure and working harder for you.
Key Features:
Pairs well with:
HIGH-YIELD SAVINGS ACCOUNT
Our High-Yield Savings account is designed to help you earn more while keeping your money safe and accessible. Enjoy competitive interest rates that maximize your savings potential, with the peace of mind that comes from being fully insured by FDIC and DIF insurance.
You’ll have secure online access to manage your funds anytime, plus the flexibility of three free external withdrawals2 per statement cycle—making it easy to grow your savings without sacrificing convenience.
Key Features:
Pairs well with:
Certificate of Deposit (CD)
Adams Community Bank’s Certificates of Deposit (CDs) are a secure and rewarding way to grow your savings. Fully insured by FDIC and DIF insurance, your funds are protected while earning interest on your balance.
CDs are ideal for setting money aside for a set period of time, offering predictable returns and peace of mind. Whether you’re saving for a future goal or simply want to make your money work harder, ACB’s CD options provide both stability and competitive earnings.
Key Features:
Pairs well with:
Individual Retirement Account (IRA)
Adams Community Bank’s Individual Retirement Accounts (IRAs) are a secure and reliable way to plan for retirement. We offer both Traditional and Roth IRAs, giving you the flexibility to choose the option that best fits your retirement goals and tax strategy.
Each account earns interest on your balance, helping your savings grow over time, and are fully insured by both the FDIC and DIF—providing you with added peace of mind as you invest in your future.
Key Features:
Pairs well with:
Open a Savings Account
1Up to three (3) non-bank transactions per Statement Cycle may post to your account without charge. Each additional non-bank transactions during the same cycle will incur a $10.00 fee. This fee will be cumulative and listed as “Excess Transaction Fee” on the final day of the Statement Cycle. The definition of a non-branch transaction includes a negotiated check or an electronic funds transfer (including ACH, Bill Pay, External Online Banking Transfers from ACB to another Financial Institution, IAT electronic check or withdrawal, domestic or international wire withdrawal, external withdrawal, instant payment withdrawal or POS withdrawal) initiated to draw from the account. This account does not assess the online banking “Outgoing External Transfers” fee listed on the Fee Schedule. However, the “Excess Transaction Fee” described in this disclosure does apply to External Online Banking Transfers.
2Up to three (3) external withdrawals per Statement Cycle may post to your account without charge. Each additional external withdrawal during the same cycle will incur a $3.00 fee. This fee will be cumulative and listed as “Excess Transaction Fee” on the final day of the Statement Cycle. This account does not assess the online banking “Outgoing External Transfers” fee listed on the Fee Schedule. However, the “Excess Transaction Fee” described here does apply to online banking outgoing external transfers as well as ACH external withdrawals. Each additional external withdrawal during the same cycle will incur a $3.00 fee. This fee will be cumulative and listed as an “Excess Transaction Fee” on the final day of the Statement Cycle.
3Accounts with one or more account owners age 18 or younger or 65 or older will benefit from the MA “18/65” rule and will receive a reduced Insufficient Funds/Overdraft Charge as disclosed on our fee schedule as Insufficient Funds/Overdraft Charge “18/65” Account. They are also eligible for basic style checks at no charge.
4This account is only available for customers with an open and active Premier Checking account relationship*.
*If the Premier Checking account associated with the Premier Money Market is closed, or changed to another checking product, the bank will notify you and convert the open Premier Money Market account to a Personal Money Market Account within ten (10) business days after the closure or change of the Premier Checking account.
“Statement Cycle”: The period of time for which Adams Community Bank provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. The Personal Money Market Statement Cycle ends on the last business day of each month. “Business Day” means Monday through Friday and excludes Saturdays, Sundays, and federal holidays.
