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: 3.85%, MMA: 5.00%

MonitorBankRates

☰

Home›
Banks›
Clinton Savings Bank

iAdvertiser Disclosure

Clinton Savings Bank Rates & Review October 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: October 11, 2026

Clinton Savings Bank's top rates as of October 11, 2026 are 5.00% APY on its 12-Months 12-month Get Real Add-On CD, 3.85% APY on savings, 5.00% APY on money market accounts, 5.00% APY on checking, and personal loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Clinton Savings Bank CD rates include 13-Month Special CD/IRA at 4.00%, 8-Month Special CD/IRA at 3.70%, and 5-Month Special (Regular CD Only) at 3.40%. 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 10/11/2026.

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

Customer Reviews

Be the first to review

Write a Review

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.

Clinton Savings Bank CD Rates

Product	Rate	APY	Term
12-month Get Real Add-On CD	-	5.00%	12 months
Min Deposit $100 Min Balance $10 Details APY (Annual Percentage Yield) is for 12-month Get Real Add-On CD promotional rate CD. Rate effective 8/28/2025. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Minimum deposit of $100.00 required to open CD and a $10.00 minimum balance required to obtain APY. To qualify for this account, you must be 14-25 years of age with an active Get Real Checking Account or Get Real Savings Account. If you are under the age of 18 you will need a signature of a parent or a legal guardian as a joint owner. After the account is opened, you may make deposits until the maturity date. Deposits can be made at the branch or transferred from another account via online banking or our mobile app. At maturity, the 12-month Get Real Add-On CD will revert to a 12-month CD which will not accept additional deposits after the account is opened with the non-promotional APY at that time. Early withdrawal penalties may apply. Fees may reduce earnings. Offer may be withdrawn at any time. Not to be combined with any additional promotional offer. For more information, please call 978-365-3700. Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 5.00% ▲ 2.00 pts · high 5.00% / low 3.00% Oct 11, 20265.00%▲ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
13-Month Special CD/IRA	3.92%	4.00%	13-Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 7, 20264.00%▲ from 3.80% Sep 24, 20263.80%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
8-Month Special CD/IRA	3.63%	3.70%	8-Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60% Oct 7, 20263.70%▲ from 3.60% Sep 24, 20263.60%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
5-Month Special (Regular CD Only)	3.34%	3.40%	5-Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 2 times 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-Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
60 Month Certificate (Promo)	0.70%	0.70%	60 Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
48-59 Month Certificate (Promo)	0.60%	0.60%	48-59 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
60 Month Regular/IRA	0.60%	0.60%	60 Month
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
36-47 Month Certificate (Promo)	0.55%	0.55%	36-47 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
48 - 59 Month Regular/IRA	0.50%	0.50%	48-59 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
24-35 Month Certificate (Promo)	0.45%	0.45%	24-35 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
36 - 47 Month Regular/IRA	0.45%	0.45%	36-47 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18-23 Month Certificate (Promo)	0.35%	0.35%	18-23 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
24 - 35 Month Regular/IRA	0.35%	0.35%	24-35 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
12-17 Month Certificate (Promo)	0.30%	0.30%	12-17 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18 - 23 Month Regular/IRA	0.25%	0.25%	18-23 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
12 - 17 Month Regular/IRA	0.20%	0.20%	12-17 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
6 - 11 Month Regular/IRA	0.15%	0.15%	6-11 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
3-5 Month Certificate (Regular CD Only)	0.10%	0.10%	3-5 months
Min Deposit $10 Min Balance $10 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times 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 Balance: $10; **See important information regarding eXPERIENCE Online Savings Account rates. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.85% APY · checked 8 times 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 Details Balance: $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times 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 Details Balance: $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Statement Savings IRA Account	0.02%	0.02%
Min Balance $10 Details Balance: $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times 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	-	5.00%
Min Deposit $500 Min Balance $0 Details Minimum deposit of $500 required to open the account. 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. Rates effective 8/18/2022. Balance: $0.00 - $24,999.99 Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 0.15% → 5.00% ▲ 4.85 pts · high 5.00% / low 0.15% Oct 11, 20265.00%▲ from 0.15% Sep 19, 20260.15%first recorded 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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	4.88%	5.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0.00 - $24,999.99 Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50% Oct 7, 20265.00%▲ from 4.50% Sep 19, 20264.50%first recorded 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. $10 minimum balance in the account is needed each day to obtain APY. 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. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times 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. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. $10 minimum balance in the account is needed each day to obtain APY. 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. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18/65 Checking Account	0.01%	0.01%
Min Balance $10 Details Balance: $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Get Real Checking Account	0.01%	0.01%
Min Balance $10 Details Balance: $10 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times 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. Balances calculated using the Daily Balance method and interest is based on your daily average balance, compounded daily and paid monthly. $10 minimum balance in the account is needed each day to obtain APY. 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. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 8 times 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	-	-	6.50%	120 Months
Details Term: 120 Months (interest only) Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 1, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Home Equity	-	-	6.50%
Details Maximum Loan Amount is $500,000.00 Clinton Savings Bank NMLS # 422081. Call or stop by for details. APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Some restrictions may apply. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria. Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 7.00% / low 6.50% Oct 11, 20266.50%▼ from 7.00% Oct 1, 20267.00%▲ from 6.50% Sep 19, 20266.50%first recorded 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	-	-	6.50%
Details APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Some restrictions may apply. Rate is determined by your personal credit history, income, and loan term. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria. A $65.00 VSI fee will apply. A re-title fee may apply and will increase the APR. 70% financing; 100% financing available for Clinton Savings Bank mortgage holders. New - 80% financing, maximum term 120 months, rate may fluctuate based on term of loan. Used - 70% financing, maximum term 60 months, rate may fluctuate based on term of loan. Annual Percentage Rate (APR) reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 6.50% APR · checked 3 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 7.25% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 8.25% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 8 times 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 10/11/2026 Rate History No change since Sep 19, 2026 · 9.50% APR · checked 8 times 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	-	8.375%	36 Months
Details Maximum Loan Amount: $50,000 Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 8.38% APR · checked 9 times 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 10/11/2026 Rate History No change since Sep 15, 2026 · 8.75% APR · checked 9 times 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 10/11/2026 Rate History No change since Sep 15, 2026 · 9.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Personal Loan Rates

Product	APR	Term
Personal Loans	7.00%
Details APR = Annual Percentage Rate. Loan rates are subject to change at any time without notice. Primary applicant must be an existing deposit customer for a minimum of three (3) months at time of application. Minimum FICO score of 730 for all borrowers. Some restrictions may apply. Eligibility is determined by your personal credit history and income. Other rates, terms, and conditions may apply. All loan requests are subject to Clinton Savings Bank underwriting criteria. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50% Oct 3, 20267.00%▲ from 6.50% Sep 24, 20266.50%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Unsecured Loan	15.00%	36 Months
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 15.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Equity Lines of Credit Loan	-	-	6.50%
Details APR = Annual Percentage Rate. Equity Lines of Credit are variable rates subject to increase after consummation, adjusting monthly to the Wall Street Journal (WSJ) Prime Rate minus .50% with a maximum APR rate of 18.00% with a floor of 5.50%. WSJ Prime Rate currently 7.00% as of 10/1/2026. If you terminate this loan and request a discharge of the mortgage securing this line of credit within 36 months, you will be obligated to pay us an Early Termination Fee equal to the fees the Bank incurred in order to open this account. Fees for opening the account range from $1 to $675.00. Maximum Loan to Value 75%. Appraisal required for loan amounts exceeding $400,000.00 at applicants' expense. Appraisal may be required for loan amounts $400,000.00 and under at applicants' expense. Minimum loan amount $10,000.00, maximum loan amount $500,000.00. Offer applies to 1-4 family, owner-occupied primary residences only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Property homeowner's insurance is required. A fixed rate conversion option is available. Borrowers may elect to convert an outstanding balance to a fixed rate at any time during the draw period (first 10 years of the term). Other restrictions may apply. All loans are subject to credit approval. Offer applies to 1-4 family, owner-occupied primary residences only. Not available for homes currently for sale or intended to be sold within 6 months of closing. Minimum loan amount $10,000.00. Maximum loan amount $500,000.00. Maximum Loan to Value (LTV) 75%. Appraisal required for loan amounts exceeding $400,000.00 at applicants' expense. Appraisal may be required for loan amounts $400,000.00 and under at applicants' expense. Fees for opening account range from $1 to $675.00. Subject to credit approval. Offer may be withdrawn at any time. Other restrictions may apply. All applicants are subject to complete underwriting based on program guidelines. Loans subject to credit approval. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 6.50% APR 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

Customer Reviews

There are no reviews for Clinton 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Clinton Savings Bank

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.

Current Clinton Savings Bank Rates

12-Month CD0.15%
18-Month CD0.20%
24-Month CD0.25%
36-Month CD0.35%
48-Month CD0.45%
60-Month CD0.50%
Savings3.85%
MMA5.00%

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

Clinton Savings Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Clinton Savings Bank Texas Ratio

Clinton Savings Bank Health Trend

Clinton Savings Bank CD Rates

Clinton Savings Bank Savings Rates

Clinton Savings Bank Money Market Rates

Clinton Savings Bank Checking Rates

Clinton Savings Bank Home Equity & HELOC

Clinton Savings Bank Auto Loan Rates

Clinton Savings Bank RV, Boat and Powersport Loan Rates

Clinton Savings Bank Personal Loan Rates

Clinton Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Customer Reviews

Frequently Asked Questions About Clinton Savings Bank

How many branches does Clinton Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Clinton Savings Bank offer online and mobile banking?

Current Clinton Savings Bank Rates

Compare to Other Banks