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Avidia Bank Rates & Review November 2026

Q: What are the current interest rates at Avidia Bank?

Current rates for Avidia Bank include: 12-Month CD: 3.05%, 18-Month CD: 3.05%, 24-Month CD: 3.05%, 36-Month CD: 2.28%, 48-Month CD: 2.28%, 60-Month CD: 2.28%, Savings: 3.50%, MMA: 1.16%

Q: What CD terms does Avidia Bank offer?

Avidia Bank CD rates are 3.00% APY for a 3 month CD, 3.00% APY for a 5 month CD, 3.05% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.05% APY for a 2 year CD, 2.28% APY for a 3 year CD, 2.28% APY for a 4 year CD and 2.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Avidia Bank for its full lineup.

Q: What is the lowest auto loan rate at Avidia Bank?

The lowest Avidia Bank auto loan rate is its Auto Loan at 7.00% APR, verified by MonitorBankRates as of November 5, 2026.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Avidia Bank's CD - 12-Month rates are at 3.05%, CD - 18-Month rates are at 3.05%, CD - 24-Month rates are at 3.05%, CD - 3-Month rates are at 3.00%, CD - 5-Month rates are at 3.00%. Avidia Bank's savings rates are at 3.50%. Avidia Bank's money market rates are at 1.16%. Avidia Bank's checking rates are as high as 0.05%. Avidia Bank's Personal Loan Rates are as low as 11.75%. Avidia Bank's top CD rate of 4.10% APY on a 15 month CD is 37% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Avidia Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.70%. Rates last updated and verified on 11/05/2026.

Avidia Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Avidia Bank? Share your experience about Avidia Bank by leaving a review below, or read customer reviews before you decide to use Avidia Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.70%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Avidia Bank

42 Main St
Hudson, MA 01749

https://www.avidiabank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Avidia Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
15-Month CD Special	4.02%	4.10%	15 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details 15 Month CD Special: APY of 4.10% based on 4.02% interest rate; effective 9/21/26; renews for 12-month term at then current rate after 10-day grace period; available to consumer and business customers; not valid on IRA CDs; no maintenance fees Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
7-Month CD Special	4.00%	4.00%	7 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details 7 Month CD Special: APY of 4.00% based on 4.00% interest rate; effective 9/21/26; renews for 12-month term at then current rate after 10-day grace period; available to consumer and business customers; not valid on IRA CDs; no maintenance fees Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 12-month	3.00%	3.05%	12 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 18-month	3.00%	3.05%	18 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 24-month	3.00%	3.05%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 12-month	3.00%	3.05%	12 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 18-month	3.00%	3.05%	18 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 24-month	3.00%	3.05%	24 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 3-month	3.00%	3.00%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 5-month	3.00%	3.00%	5 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 6-month	3.00%	3.00%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 7-month	3.00%	3.00%	7 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History 1 change since Sep 7, 2026 · 3.85% → 3.00% ▼ 0.85 pts · high 3.85% / low 3.00% Sep 24, 20263.00%▼ from 3.85% Sep 7, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 9-month	3.00%	3.00%	9 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 30-month	2.25%	2.28%	30 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 36-month	2.25%	2.28%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 48-month	2.25%	2.28%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
CD - 60-month	2.25%	2.28%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 30-month	2.25%	2.28%	30 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 36-month	2.25%	2.28%	36 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 48-month	2.25%	2.28%	48 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA CD - 60-month	2.25%	2.28%	60 Months	$500
Min Deposit $500 Min Balance $500 Details Daily minimum balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.28% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Savings Rates

Product	Rate	APY
America 250 Savings	3.44%	3.50%
Min Deposit $5,000 Min Balance $5,000 Details Must be new money; Available to new consumer deposit customers only; Account rate will not drop below 2.50% APY (2.47% rate) before July 4, 2027 for daily balances of $5,000 or more; Daily balances of $4,999.99 and below earn 1.00% APY (1.00% rate); After July 4, 2027 the account reverts to the then current High Yield Savings rate; Rate may change after account opening Last Updated 11/05/2026 Rate History 1 change since Sep 7, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Sep 19, 20263.50%▲ from 3.25% Sep 7, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Consumer High Yield Savings Account	2.62%	2.65%
Min Deposit $5,000 Min Balance $5,000 Details For consumer accounts only; Must be new money; Rate may change after account opening; Fees could reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.65% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Statement Holiday Clubs	0.15%	0.15%
Min Deposit $10 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.15% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Free Savings	0.10%	0.10%
Min Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Health Savings Account	0.07%	0.07%
Min Deposit $10 Min Balance $20,000 Details Balance: $20,000+ Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.07% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Adventure Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Health Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $19,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Health Savings Account	0.03%	0.03%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.03% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Money Market Rates

Product	Rate	APY
Avidia Premier Plus Money Market	1.15%	1.16%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 1.16% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Plus Money Market	0.85%	0.85%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.85% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Money Market	0.80%	0.80%
Min Deposit $1,000 Min Balance $1,000,000 Details Balance: $1,000,000+ Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.80% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Plus Money Market	0.65%	0.65%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.65% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Money Market	0.60%	0.60%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.60% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA Money Market	0.50%	0.50%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000+; Minimum Balance to Obtain APY: $50 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Plus Money Market	0.45%	0.45%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000 - $24,999,99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.45% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.40% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
IRA Money Market	0.30%	0.30%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $49,999; Minimum Balance to Obtain APY: $50 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.30% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.20% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Avidia Premier Plus Money Market	0.01%	0.01%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.01% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Checking Rates

Product	Rate	APY
Avidia America 250 Checking	0.05%	0.05%
Min Deposit $500 Min Balance $25,000 Details Minimum daily balance of $25,000.00 to obtain APY; balances may be combined across Checking, Savings and Money Market accounts in the primary owner's name (excludes HSA, IRA and CD accounts) Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
First Checking	0.02%	0.02%
Min Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.02% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Senior Checking	0.02%	0.02%
Min Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.02% APY · checked 16 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Lines of Credit	-	-	6.49%	240 Months
Details As Low As; APR: As low as Prime (Currently 7.00%) minus 0.51%; Maximum APR: 18.00%; Maximum CLTV: 80%; Line amount: $10,000/$500,000; Rates for Avidia checking with direct deposit and automatic loan payment from the same account; excellent credit required Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Closed End Home Equity Loan - 60 Months	7.75%	-	7.894%	60 Months
Details Maximum CLTV: 80%; Loan amount: $10,000/$250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.89% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Closed End Home Equity Loan - 120 Months	8.00%	-	8.078%	120 Months
Details Maximum CLTV: 80%; Loan amount: $10,000/$250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.08% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Closed End Home Equity Loan - 180 Months	8.125%	-	8.181%	180 Months
Details Maximum CLTV: 80%; Loan amount: $10,000/$250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.18% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Closed End Home Equity Loan - 240 Months	8.25%	-	8.296%	240 Months
Details Maximum CLTV: 80%; Loan amount: $10,000/$250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Home Equity Lines of Credit	-	-	8.50%	240 Months
Details As Low As; APR: As low as Prime (Currently 7.00%) plus 1.50%; Maximum APR: 18.00%; Maximum CLTV: 81% - 90%; Line amount: $10,000/$100,000; Rates for Avidia checking with direct deposit and automatic loan payment from the same account; excellent credit required Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Closed End Home Equity Loan - 300 Months	8.625%	-	8.666%	300 Months
Details Maximum CLTV: 80%; Loan amount: $10,000/$250,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.67% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	7.00%	60 months
Details Model Year: 2026-2024; Maximum LTV: 100%; APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Auto Loan	-	-	7.50%	60 months
Details Model Year: 2023-2021; Maximum LTV: 90%; APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Auto Loan	-	-	8.50%	60 months
Details Model Year: 2020-2019; Maximum LTV: 90%; APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%
Auto Loan	-	-	9.00%	48 months
Details Model Year: 2018 & older; Maximum LTV: 80%; APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Avidia Bank Personal Loan Rates

Product	APR	Term	View More
Personal/Unsecured Loans	11.75%	36 months
Details Maximum term; Effective 3/22/26; APR reflects 0.50% discount for automatic payment from an Avidia Bank checking account Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 11.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.70%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Avidia Bank’s Texas Ratio stayed near 3.80% in Q3 2023 to 3.70% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	3.70%	5.0	A+
March 31, 2026	$2.8B	2.75%	5.0	A+
December 31, 2025	$2.8B	4.80%	5.0	A+
September 30, 2025	$2.8B	5.54%	5.0	A+
June 30, 2025	$3.0B	4.66%	5.0	A+
March 31, 2025	$2.7B	5.07%	5.0	A+
December 31, 2024	$2.7B	1.34%	5.0	A+
September 30, 2024	$2.7B	1.42%	5.0	A+
June 30, 2024	$2.7B	1.69%	5.0	A+
March 31, 2024	$2.6B	1.89%	5.0	A+
December 31, 2023	$2.6B	2.25%	5.0	A+
September 30, 2023	$2.6B	3.80%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Avidia Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Avidia Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Avidia Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Avidia Bank

Website https://www.avidiabank.com

Address 42 Main St, Hudson, MA 01749 · Middlesex

Bank Holding Company AVIDIA BCORP INC

FDIC Certificate # 90215

Regulator FDIC

Established February 26, 1869

FDIC Insurance Date November 27, 1985

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.70%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.9806%

Return on Equity (ROE)

8.2900%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

$2,770,996,000

Total Deposits

$2,233,901,000

Equity Capital

$337,915,000

Net Income

$13,738,000

Headquarters

Hudson

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Avidia Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Frequently Asked Questions About Avidia Bank

Does Avidia Bank offer CDs?

Yes. Avidia Bank current CD rates include its CD - 12-Month at 3.05% APY, its CD - 18-Month at 3.05% APY and its CD - 24-Month at 3.05% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Avidia Bank FDIC insured?

Yes. Avidia Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Avidia Bank?

The highest Avidia Bank CD rate is its 15-Month Certificate Special at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Avidia Bank offer?

Avidia Bank CD rates are 3.00% APY for a 3 month CD, 3.00% APY for a 5 month CD, 3.05% APY for a 12 month CD, 3.05% APY for an 18 month CD, 3.05% APY for a 2 year CD, 2.28% APY for a 3 year CD, 2.28% APY for a 4 year CD and 2.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Avidia Bank for its full lineup.

What is the highest savings rate at Avidia Bank?

The highest Avidia Bank savings rate is its America 250 Savings at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Avidia Bank?

The highest Avidia Bank money market rate is its Avidia Premier Plus Money Market at 1.16% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Avidia Bank?

The highest Avidia Bank checking rate is its Avidia America 250 Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Avidia Bank?

The lowest Avidia Bank auto loan rate is its Auto Loan at 7.00% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Avidia Bank?

The lowest Avidia Bank personal loan rate is its Personal/Unsecured Loans at 11.75% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does Avidia Bank operate?

Avidia Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Avidia Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Avidia Bank provides members with tools to manage their accounts and build a solid financial history.

Does Avidia Bank offer online and mobile banking?

Most modern institutions like Avidia Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.avidiabank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Avidia Bank rates compare?

Avidia Bank's top CD rate of 4.10% APY on a 15 month CD is 37% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Avidia Bank's top rates are its 15-Month Certificate Special at 4.10% APY, its America 250 Savings at 3.50% APY, its Avidia Premier Plus Money Market at 1.16% APY, its Avidia America 250 Checking at 0.05% APY and its Personal/Unsecured Loans at 11.75% APR, verified by MonitorBankRates on November 5, 2026.

Current Avidia Bank Rates

12-Month CD3.05%
18-Month CD3.05%
24-Month CD3.05%
36-Month CD2.28%
48-Month CD2.28%
60-Month CD2.28%
Savings3.50%
MMA1.16%

Retrieved from our database of financial products. Rates subject to change.

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Avidia Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Avidia Bank Texas Ratio

Avidia Bank Health Trend

Avidia Bank CD Rates

Avidia Bank Savings Rates

Avidia Bank Money Market Rates

Avidia Bank Checking Rates

Avidia Bank Home Equity & HELOC

Avidia Bank Auto Loan Rates

Avidia Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Avidia Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Avidia Bank

Does Avidia Bank offer CDs?

Are CDs from Avidia Bank FDIC insured?

What is the highest CD rate at Avidia Bank?

What CD terms does Avidia Bank offer?

What is the highest savings rate at Avidia Bank?

What is the highest money market rate at Avidia Bank?

What is the highest checking rate at Avidia Bank?

What is the lowest auto loan rate at Avidia Bank?

What is the lowest personal loan rate at Avidia Bank?

How many branches does Avidia Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Avidia Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Avidia Bank rates compare?

Current Avidia Bank Rates

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