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100% Insured. Any Amount. Any Account.
Each account comes with the peace of mind that 100% of your deposit of any amount is fully insured and fully protected by the Federal Deposit Insurance Corporation (FDIC) and the Depositors Insurance Fund (DIF).
Voyager Debit
Get a boatload of features...
With no minimum account balance, no monthly fees, and a boatload of mobile banking features, the Voyager debit card makes banking on or off-Island a breeze.
- Up to $15 of ATM fee refunds per month+
- Turn your card on or off at any time
- Get your debit card on the spot at account opening
Rates:
- Min. Balance to Open
- $10.00
- Minimum Daily Balance to Earn A.P.Y.*
- $0.00
- Interest Rate
- 0.00%
- Annual Percentage Yield
- 0.00%
Rates Effective: 8/5/2025
Rates are subject to change at any time after the account is opened.
+Minimum amount required to open a Voyager Account is $10.00.You must complete 10 point-of-sale debit card transactions and be enrolled in eStatement and online/mobile banking each statement cycle. If the requirements are met, you receive up to $15 in ATM fee refunds from non-SUM network, non-Martha's Vineyard Savings Bank ATMs. Does not apply to ATMs outside the United States. Refund will be credited at close of each statement cycle.
*Annual Percentage Yield = Yield when principal and interest are left on deposit. Annual Percentage Yields greater than the Interest Rate show the effect of monthly compounding. Certificates of Deposit are subject to penalty for early withdrawal. With fixed rate term accounts, rates are guaranteed for the length of the term. Fees could reduce the earnings on the account.
Contact a bank representative: 508-627-4266.
Money Market
This multi-tiered, variable interest rate account rewards higher balances with higher interest. The ideal account if your goal is to save while keeping your money immediately accessible in an emergency.
- Higher rates with easy access to money
- Mobile and online banking features
- The ideal account for saving money
Rates:
Money Market Account*
| Min. Balance to Open | Min. Daily Balance to Earn A.P.Y. | Interest Rate | Annual Percentage Yield |
|---|---|---|---|
| $2,500.00 | $10.00 - $2,499.99 | 0.09% | 0.09% |
| $2,500.00 | $2,500.00 - $24,999.99 | 0.09% | 0.09% |
| $2,500.00 | $25,000.00 - $49,999.99 | 0.12% | 0.12% |
| $2,500.00 | $50,000.00 - $99,999.99 | 0.12% | 0.12% |
| $2,500.00 | $100,000.00 + | 0.12% | 0.12% |
Rates Effective: 8/5/2025
Rates are subject to change at any time after the account is opened.
*Annual Percentage Yield = Yield when principal and interest are left on deposit. Annual Percentage Yields greater than the Interest Rate show the effect of monthly compounding. Certificates of Deposit are subject to penalty for early withdrawal. With fixed rate term accounts, rates are guaranteed for the length of the term. Fees could reduce the earnings on the account.
Contact a bank representative: 508-627-4266.
Online Savings
Our Online Savings account pays a competitive rate of interest and provides immediate access to funds with easy-to-use online and mobile banking features.
- Open your account online
- No minimum account balance and no monthly fees
- Immediate access to funds
Rates:
- Min. Balance to Open
- $10.00
- Minimum Daily Balance to Earn A.P.Y.*
- $10.00
- Interest Rate
- 0.04%
- Annual Percentage Yield
- 0.04%
Rates Effective: 8/5/2025
Rates are subject to change at any time after the account is opened.
*Annual Percentage Yield = Yield when principal and interest are left on deposit. Annual Percentage Yields greater than the Interest Rate show the effect of monthly compounding. Certificates of Deposit are subject to penalty for early withdrawal. With fixed rate term accounts, rates are guaranteed for the length of the term. Fees could reduce the earnings on the account.
Contact a Bank representative: 508-627-4266.
Rates Effective: 8/5/2025