What are the current interest rates at Clinton Savings Bank?

Current rates for Clinton Savings Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.20%, 24-Month CD: 0.25%, 36-Month CD: 0.35%, 48-Month CD: 0.45%, 60-Month CD: 0.50%, Savings: 0.02%, MMA: 0.05%

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Clinton Savings Bank

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Clinton Savings Bank Rates & Review September 2026

Q: How many branches does Clinton Savings Bank operate?

Clinton Savings Bank currently maintains approximately 9 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Clinton 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Clinton Savings Bank's 5-Month Special 5-Month IRA Certificate Special rates are at 3.40%, 12-Months 12-Month Get Real Add-On CD rates are at 3.00%, 60-Month Regular CD rates are at 0.60%, 48 - 59-Month Regular CD rates are at 0.50%, 36 - 47-Month Regular CD rates are at 0.45%. Clinton Savings Bank's savings rates are at 0.02%. Clinton Savings Bank's money market rates are at 0.05%. Clinton Savings Bank's Personal Loan Rates are as low as 15.00%. MonitorBankRates evaluates the financial stability of Clinton Savings Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 15.56%. Rates last updated and verified on 09/19/2026.

Clinton 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 Clinton Savings Bank? Share your experience about Clinton Savings Bank by leaving a review below, or read customer reviews before you decide to use Clinton Savings Bank.

Overall Health & Safety Grade

A-

Very Good Health Score: 92/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

15.56%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Clinton Savings Bank

200 Church St
Clinton, MA 01510

https://www.clintonsavings.com

Clinton Savings Bank CD Rates

Product	Rate	APY	Term
5 Month IRA Certificate Special	3.34%	3.40%	5-Month Special
Min Balance $10 Details Regular CD Only Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
12-Month Get Real Add-On CD	2.96%	3.00%	12 months
Min Balance $10 Details Term: 12-Month Get Real Add-On CD Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
60 Month Regular CD	0.60%	0.60%	60 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
48 - 59 Month Regular CD	0.50%	0.50%	48 - 59 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
36 - 47 Month Regular CD	0.45%	0.45%	36 - 47 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
24 - 35 Month Regular CD	0.35%	0.35%	24 - 35 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18 - 23 Month Regular CD	0.25%	0.25%	18 - 23 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
12 - 17 Month Regular CD	0.20%	0.20%	12 - 17 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
6 - 11 Month Regular CD	0.15%	0.15%	6 - 11 Month
Min Balance $10 Details Regular/IRA Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
3 - 5 Month Regular CD	0.10%	0.10%	3 - 5 Month
Min Balance $10 Details Regular CD Only Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Savings Rates

Product	Rate	APY
eXPERIENCE Online Savings Account	3.78%	3.85%
Min Balance $10 Details See footnote ** Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18/65 Statement Savings Account	0.02%	0.02%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Get Real Statement Savings Account	0.02%	0.02%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Statement Savings IRA Account	0.02%	0.02%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Money Market Rates

Product	Rate	APY
Tiered Money Market Account	-	4.50%
Min Deposit $500 Min Balance $2,500 Details Must maintain the minimum balance each day that is required in each tier to obtain the disclosed Annual Percentage Yield. Rate is variable and can change after the account is opened. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.05%	0.05%
Min Balance $10 Details Balance: $10.00 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500- $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Tiered Money Market Account	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Checking Rates

Product	Rate	APY
Total Access Checking Account	4.40%	4.50%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	0.05%	0.05%
Min Balance $50,000 Details Balance: >$50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	-	0.05%
Min Deposit $100 Min Balance $50,000 Details Annual Percentage Yield (APY) of 0.05% is paid on all amounts $50,000 or greater. Fees may reduce earnings. A $15 monthly maintenance service charge will be imposed every statement cycle if the sum of the daily balances in combined accounts falls below $15,000 on any day of the statement cycle. Accounts must be for the same tax reported owner. Preferred checking cannot be combined with commercial, business, or Get Real accounts. If any of your loan accounts become 90 days delinquent the loan balance cannot be included in your combined balance. The loan balance may not be included for up to six months after loan(s) become current. NOTE: If an account is closed or a loan paid off during the monthly statement cycle that account/loan will NOT be included as part of the combined balances and you may be assessed a monthly service charge if the remaining accounts did not have a combined daily balance of $15,000 during that statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Total Access Checking Account	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	-	0.02%
Min Deposit $100 Min Balance $25,000 Details Annual Percentage Yield (APY) of 0.02% paid on all amounts between $25,000 and $49,999.99. Fees may reduce earnings. A $15 monthly maintenance service charge will be imposed every statement cycle if the sum of the daily balances in combined accounts falls below $15,000 on any day of the statement cycle. Accounts must be for the same tax reported owner. Preferred checking cannot be combined with commercial, business, or Get Real accounts. If any of your loan accounts become 90 days delinquent the loan balance cannot be included in your combined balance. The loan balance may not be included for up to six months after loan(s) become current. NOTE: If an account is closed or a loan paid off during the monthly statement cycle that account/loan will NOT be included as part of the combined balances and you may be assessed a monthly service charge if the remaining accounts did not have a combined daily balance of $15,000 during that statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18/65 Checking Account	0.01%	0.01%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Get Real Checking Account	0.01%	0.01%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	0.01%	0.01%
Min Balance $10 Details Balance: $10.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Preferred Checking Account	-	0.01%
Min Deposit $100 Min Balance $10 Details Annual Percentage Yield (APY) of 0.01% is paid on balances between $10.00 and $24,999.99. Fees may reduce earnings. A $15 monthly maintenance service charge will be imposed every statement cycle if the sum of the daily balances in combined accounts falls below $15,000 on any day of the statement cycle. Accounts must be for the same tax reported owner. Preferred checking cannot be combined with commercial, business, or Get Real accounts. If any of your loan accounts become 90 days delinquent the loan balance cannot be included in your combined balance. The loan balance may not be included for up to six months after loan(s) become current. NOTE: If an account is closed or a loan paid off during the monthly statement cycle that account/loan will NOT be included as part of the combined balances and you may be assessed a monthly service charge if the remaining accounts did not have a combined daily balance of $15,000 during that statement cycle. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Total Access Checking Account	0.01%	0.01%
Min Balance $0 Details Balance: All balances if qualifications not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
HELOC Equity Line of Credit	-	-	6.25%	120 Months
Details Term: 120 Months (interest only) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Home Equity Loan	-	-	6.50%
Details Maximum Loan Amount is $500,000.00 Clinton Savings Bank NMLS # 422081. Call or stop by for details. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Other Motor Vehicle Loans	-	-	5.50%	Up to 120 months
Details New - 80% financing, maximum term 120 months, rate may fluctuate based on term of loan. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. A $65.00 VSI fee will apply. A re-title fee may apply and will increase the APR. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	6.74%	24 Months
Details Credit Score: 730+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	6.74%	36 Months
Details Credit Score: 730+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	6.74%	48 Months
Details Credit Score: 730+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	6.74%	60 Months
Details Credit Score: 730+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	7.25%	72 Months
Details Credit Score: 730+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	7.74%	24 Months
Details Credit Score: 680 - 729 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	7.74%	36 Months
Details Credit Score: 680 - 729 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	7.74%	48 Months
Details Credit Score: 680 - 729 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	7.74%	60 Months
Details Credit Score: 680 - 729 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	8.25%	72 Months
Details Credit Score: 680 - 729 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	9.00%	24 Months
Details Credit Score: 661 - 679 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	9.00%	36 Months
Details Credit Score: 661 - 679 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	9.00%	48 Months
Details Credit Score: 661 - 679 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	9.00%	60 Months
Details Credit Score: 661 - 679 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loan	-	-	9.50%	72 Months
Details Credit Score: 661 - 679 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle Loan	-	8.38%	36 Months
Details Maximum Loan Amount: $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
New Recreational Vehicle Loan	-	8.75%	48 Months
Details Maximum Loan Amount: $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Used Recreational Vehicle Loan	-	9.25%	48 Months
Details Maximum Loan Amount: $75,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Personal Loan Rates

Product	APR	Term	View More
Unsecured Loan	15.00%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Clinton Savings Bank’s Texas Ratio rose from 2.80% in Q3 2023 to 15.56% in Q2 2026, so its financial health has weakened 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)

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	$745M	15.56%	5.0	A-
March 31, 2026	$729M	17.70%	4.8	B+
December 31, 2025	$743M	17.02%	4.8	B+
September 30, 2025	$747M	31.21%	3.7	C-
June 30, 2025	$744M	24.11%	4.2	B-
March 31, 2025	$750M	24.88%	4.2	C+
December 31, 2024	$742M	25.55%	4.1	C+
September 30, 2024	$755M	23.93%	4.3	B-
June 30, 2024	$745M	20.61%	4.5	B
March 31, 2024	$721M	3.20%	5.0	A+
December 31, 2023	$714M	2.31%	5.0	A+
September 30, 2023	$707M	2.80%	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 Clinton 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 Clinton 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 Clinton Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Clinton Savings Bank

Bank Holding Company CLINTON FINANCIAL SERVICES MHC

Address 200 Church St, Clinton, MA 01510 · Worcester

Website https://www.clintonsavings.com

FDIC Certificate # 90181

Established 18510515

FDIC Insurance Date 19851120

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 92/100

5.0

Exceptional Out of 5.0 Stars

15.56%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3532%

Return on Equity (ROE) 4.4300%

Non-Performing Loans (NPL) 0.35%

Total Assets $744,700,000

Total Deposits $581,559,000

Equity Capital $59,448,000

Net Income $1,305,000

Headquarters Clinton

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Clinton Savings Bank

How many branches does Clinton Savings Bank operate?

Clinton Savings Bank currently maintains approximately 9 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, Clinton 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, Clinton Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Clinton Savings Bank offer online and mobile banking?

Most modern institutions like Clinton 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.clintonsavings.com.