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 Bay State Savings Bank Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 19, 2026
Bay State Savings Bank's 14-month CD rates are at 4.00%, 15-month (Special) IRA Certificate rates are at 3.85%, 15-month CD rates are at 3.85%, Roth, SEP & Traditional IRAs - 15-month (Special) rates are at 3.85%, 8-month (Special) IRA Certificate rates are at 3.75%. Bay State Savings Bank's savings rates are at 0.05%. Bay State Savings Bank's money market rates are at 0.20%. Bay State Savings Bank's 30-Year 5/1 Adjustable-Rate Home Loan rates are at 5.38%, 30-Year 7/1 Adjustable-Rate Home Loan rates are at 5.62%, 30-Year 10/1 Adjustable-Rate Home Loan rates are at 5.88%. Bay State Savings Bank's Personal Loan Rates are as low as 14.50%. MonitorBankRates evaluates the financial stability of Bay State Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.38%. Rates last updated and verified on 09/19/2026. Bay State Savings 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 Bay State Savings Bank? Share your experience about Bay State Savings Bank by leaving a review below, or read customer reviews before you decide to use Bay State Savings Bank. 
Bay State Savings Bank CD Rates
Bay State Savings Bank Savings Rates
Bay State Savings Bank Money Market Rates
Bay State Savings Bank Checking Rates
Bay State Savings Bank Mortgage Rates
Bay State Savings Bank Home Equity & HELOC
Bay State Savings Bank Auto Loan Rates
Bay State Savings Bank RV, Boat and Powersport Loan Rates
Bay State Savings Bank Personal Loan Rates
Bay State Savings Bank Other Rates
Financial Health HistoryBay State Savings Bank’s Texas Ratio fell from 8.34% in Q3 2023 to 4.38% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Bay State Savings 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 Bay State Savings 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 Bay State Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Bay State Savings Bank
Bank Holding Company
1895 MHC
Address
28 Franklin St,
Worcester, MA 01608 · Worcester
FDIC Certificate #
90311
Established
18950309
FDIC Insurance Date
19851120
Domestic Offices
7
Total Branches
7
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.38%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5124%
Return on Equity (ROE)
5.7700%
Non-Performing Loans (NPL)
0.39%
Total Assets
$580,268,000
Total Deposits
$513,713,000
Equity Capital
$52,106,000
Net Income
$1,484,000
Headquarters
Worcester
Total Branches and Offices
7
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Bay State Savings Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Bay State Savings Bank
Frequently Asked Questions About Bay State Savings BankHow many branches does Bay State Savings Bank operate?Bay State Savings Bank currently maintains approximately 7 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, Bay State Savings 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, Bay State Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Bay State Savings Bank offer online and mobile banking?Most modern institutions like Bay State Savings 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.baystatesavingsbank.com. Current Bay State Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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