Martha’s Vineyard Savings Bank is an independent, full-service bank firmly rooted on Martha’s Vineyard. We have all the products and services you need, plus the warmth and friendliness that only a neighborhood bank can truly offer. We’re known for establishing strong ties with our customers, and every member of our team works hard to provide exactly what our customers want from their banking relationship. With a wide range of products, we know we can help find an account that works best for you. We welcome the opportunity to serve you.

Checking
Basic Checking Account
This is a simple, hassle-free account that covers all of your basic banking needs. The Basic Checking Account includes these benefits:

• No annual fee
• ATM or debit card
• Free online banking with bill pay
• Free telephone banking
• Free first order of basic checks
• Optional overdraft protection service
   

NOW Account
This is a multi-level, variable rate, interest-bearing checking account that is convenient for all your banking needs. The NOW Account includes these benefits:

• Competitive interest rate
• No annual fee
• ATM or debit card
• Free online banking with bill pay
• Free telephone banking
• Optional overdraft protection service
   

Clipper Ship Investment Checking Account
Because we believe in offering our customers more for their money, we have created our Clipper Ship Investment Checking Account, a multi-level, variable rate interest-bearing account. With an initial deposit of $100,000, you can qualify for a Clipper Ship Account with the benefit of higher rates for higher balances.

The Clipper Ship Investment Checking Account includes these benefits:

• Competitive tiered interest rate
• Special CD rates
• Our highest rate on checking balances
• No annual fee
• ATM or debit card
• Free online banking with bill pay
• Free telephone banking
• Discounted Safe Deposit rental (subject to availability)
• Free MVSB image specialty checks
• Optional overdraft protection service
  

Savings
Statement Savings Account
Our most convenient way to save, the Statement Savings Account, offers competitive rates, an automatic monthly statement, and easy access to your money.
Our Statement Savings Accounts includes these benefits:

• Competitive interest rate
• No annual fee
• ATM card
• Free online banking
• Free telephone banking
   

Passbook Savings Account
We understand that some of our customers prefer the peace of mind of a Passbook Savings Account. This account offers a convenient transaction record book.
Our Passbook Savings Account includes these benefits:

• Competitive interest rate
• Easy record keeping
   

Holiday Club Account
Whether you’re saving for the holidays, a special occasion, or a vacation, the Holiday Club Account is the perfect way to save for any special purpose. You can make weekly or monthly deposits or, for your convenience, the funds can automatically be transferred from an existing account*. Holiday club Accounts have no monthly maintenance fees, and monthly statements* are provided for easy tracking and reconciliation.
* Service offered for statement accounts only.

Certificates of Deposit
Our Certificates of Deposit (CD) offer consistent earnings at competitive interest rates. You can open a CD with as little as $1,000* and with terms ranging from 3 months to 5 years. * Minimum opening deposit determined by term.

Our Certificates of Deposit offer the following benefits:

• Wide variety of terms to meet your needs
• Option to have your monthly earnings automatically deposited to an account of your choice or mailed directly to you
• Special rates with your Clipper Ship Investment Checking Account
   

Money Market Account
With this convenient account, you will get our competitive, multi-tiered, variable rate with higher rates for higher balances, plus easy access to your money. You can make an unlimited number of withdrawals at ATMs or branches.

The Money Market Account includes these benefits:

• Competitive tiered interest rate
• No annual fee
• ATM card
• Free online banking
• Free telephone banking
• Free money market check
• Optional overdraft protection service
  

IRA’s
Individual Retirement Account (IRA)
Now more than ever, IRA’s should form an integral part of your savings strategy. When you invest with a Martha’s Vineyard Savings Bank IRA Certificate of Deposit, you’ll enjoy competitive interest rates with terms from 3 months to 5 years. We offer Traditional, Roth and Rollover IRA’s, with a minimum opening deposit of $100.00.

Personal Loans
Let us help you identify the credit solution that’s right for you. We offer short-term loans to help with many personal expenses and/or major purchases. Our rates and terms are designed with your budgeting needs in mind.

• Personal Loans
• Overdraft Protection/Reserve Line of Credit
• Collateral Loans
• Automobile Loans

For more information on any of these products and services, please contact your local branch representative or give us a call at 1-508-627-4266.