Berkshire Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.berkshirebank.com

800-773-5601

24 North Street
Pittsfield, MA 01201

Berkshire Bank is headquartered in PITTSFIELD and is the 4^th largest bank in the state of Massachusetts. It is also the 139^th largest bank in the nation. It was established in 1846 and as of March of 2025, it had grown to 1,186 employees at 86 locations. Berkshire Bank has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	23621
Year Established	1846
Employees	1186
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.91%
Return on Equity - YTD	9.66%
Annual Interest Income	$148.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$12.01B$12.14B
Loans	Q1 2025vs Q1 2024	$9.31B$9.04B
Deposits	Q1 2025vs Q1 2024	$10.03B$10.47B
Equity Capital	Q1 2025vs Q1 2024	$1.16B$1.04B
Loan Loss Allowance	Q1 2025vs Q1 2024	$116.7MM$107.3MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$19.4MM$20.3MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Berkshire Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$10	-	Berkshire One Savings - Online
3.15%	$10	-	Excitement Savings w/ Checking - New Money
0.05%	$0	-	Health Savings Accounts
0.05%	$10	-	Valiant Savings
0.03%	$10	-	Statement Savings

Berkshire Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%^*	$25k^*	$5m	Berkshire One Money Market - Online
OTHER TIERS: 4.10% → $10 - $25k
4.05%^*	$250k^*	-	Berkshire Direct Money Market with Checking
OTHER TIERS: 2.40% → $25k - $50k \| 3.10% → $50k - $100k \| 3.55% → $100k - $250k
0.40%^*	$500k^*	-	Money Market Accounts
OTHER TIERS: 0.10% → $10 - $50k \| 0.15% → $50k - $100k \| 0.25% → $100k - $200k \| 0.30% → $200k - $500k

Berkshire Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$50k	-	Berkshire Direct Checking
0.85%	$0	-	Berkshire Direct Checking w/ $7.5k Combined DD
0.10%	$0	-	Berkshire One Checking - Online
0.02%	$10	-	NOW Checking

Berkshire Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.15%	$1k	$1m	13 Month Relationship CD Special w/ Checking
4.00%	$1k	$1m	6 Month CD Special
4.00%	$1k	$1m	24 Month Relationship CD Special w/ Checking
3.90%	$1k	$1m	6 Month Berkshire One Online CD
3.75%	$1k	$1m	24 Month Berkshire One Online CD
1.35%	$5k	-	20 Month Valiant CD Special
1.35%	$5k	-	37 Month Valiant CD Special
0.50%	$1k	$1m	5 Year CD
0.50%	$1k	$1m	6 Year CD
0.50%	$1k	$1m	7 - 10 Year CD
0.35%	$1k	$1m	1½ - 2 Year CD
0.35%	$1k	$1m	2½ Year CD
0.35%	$1k	$1m	3 Year CD
0.35%	$1k	$1m	4 Year CD
0.25%	$200	-	6 - 24 Month Pure Excitement Easisaver CD
0.15%	$1k	$1m	6 Month "Smart Money" CD
0.15%	$1k	$1m	1 Year CD
0.10%	$1k	$1m	6 Month CD
0.05%	$1k	$1m	3 Month CD

Locations

Availability

Albany Area

Albany Area bank & credit union details

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