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: 0.15%

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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 14, 2026

Clinton Savings Bank's top rates as of October 14, 2026 are 4.00% APY on its CD/IRA - 13-Month Special CD/IRA, 3.85% APY on savings, 0.15% APY on money market accounts, 5.00% APY on checking, and personal loans from 15.00% APR, according to rates verified by MonitorBankRates. Other Clinton Savings Bank CD rates include CD/IRA - 8-Month Special CD/IRA at 3.70%, CD/IRA - 5-Month Special (Regular CD Only) at 3.40%, and CD/IRA - 12-Month Get Real Add-On CD at 3.00%. 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 10/14/2026.

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

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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.

Clinton Savings Bank CD Rates

Product	Rate	APY	Term
CD/IRA - 13-Month Special CD/IRA	3.92%	4.00%	13-Month
Min Balance $10 Details Special; APY footnote marker: +++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 8-Month Special CD/IRA	3.63%	3.70%	8-Month
Min Balance $10 Details Special; APY footnote marker: +; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 5-Month Special (Regular CD Only)	3.34%	3.40%	5-Month
Min Balance $10 Details Special; APY footnote marker: **; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 12-Month Get Real Add-On CD	2.96%	3.00%	12-Month
Min Balance $10 Details Add-On CD; APY footnote marker: ^; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 60 Month (Promo)	0.70%	0.70%	60 Month
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 48 - 59 Month (Promo)	0.60%	0.60%	48-59 months
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 60 Month Regular/IRA	0.60%	0.60%	60 Month
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 36 - 47 Month (Promo)	0.55%	0.55%	36-47 months
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 48 - 59 Month Regular/IRA	0.50%	0.50%	48-59 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 24 - 35 Month (Promo)	0.45%	0.45%	24-35 months
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 36 - 47 Month Regular/IRA	0.45%	0.45%	36-47 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 18 - 23 Month (Promo)	0.35%	0.35%	18-23 months
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 24 - 35 Month Regular/IRA	0.35%	0.35%	24-35 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 12 - 17 Month (Promo)	0.30%	0.30%	12-17 months
Min Balance $10 Details Promo; APY footnote marker: ++; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 18 - 23 Month Regular/IRA	0.25%	0.25%	18-23 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 12 - 17 Month Regular/IRA	0.20%	0.20%	12-17 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 6 - 11 Month Regular/IRA	0.15%	0.15%	6-11 months
Min Balance $10 Details Regular/IRA; Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
CD/IRA - 3 - 5 Month (Regular CD Only)	0.10%	0.10%	3-5 months
Min Balance $10 Details Minimum balance to obtain APY: $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY 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 Deposit $10 Min Balance $10 Details Footnote ** on product name; see page disclosures Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18/65 Statement Savings Account	0.02%	0.02%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Get Real Statement Savings Account	0.02%	0.02%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Statement Savings IRA Account	0.02%	0.02%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 9 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	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 9 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 Deposit $10 Min Balance $0 Details Qualifications Required; Balance: $0.00 - $24,999.99; Qualifying balance up to $24,999.99; Minimum deposit $10 to open; Personal Accounts only; Monthly maintenance fee of $3 waived with eStatements Last Updated 10/14/2026 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
18/65 Checking Account	0.01%	0.01%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Get Real Checking Account	0.01%	0.01%
Min Deposit $10 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 9 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 10/14/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 9 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	View More
HELOC Equity Line of Credit	-	-	6.50%	120 Months
Details Term: 120 Months (interest only); Variable rate: WSJ Prime minus .50%, max APR 18.00%, floor 5.50%; Maximum Loan Amount $500,000.00; Maximum Loan to Value 75% Last Updated 10/14/2026 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%

Clinton Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	6.74%	24 Months
Details Credit Score: 730+; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $44.65 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	6.74%	36 Months
Details Credit Score: 730+; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $30.76 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	6.74%	48 Months
Details Credit Score: 730+; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $23.83 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	6.74%	60 Months
Details Credit Score: 730+; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $19.68 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	7.25%	72 Months
Details Credit Score: 730+; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $17.17 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 7.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	7.74%	24 Months
Details Credit Score: 680 - 729; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $45.11 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	7.74%	36 Months
Details Credit Score: 680 - 729; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $31.22 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	7.74%	48 Months
Details Credit Score: 680 - 729; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $24.29 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	7.74%	60 Months
Details Credit Score: 680 - 729; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $20.15 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	8.25%	72 Months
Details Credit Score: 680 - 729; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $17.66 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Other Motor Vehicle Loans - New Motorcycle	-	-	8.375%	36 Months
Details Maximum Loan Amount: $50,000; Terms of Repayment per $1,000: $31.51; 70% financing; 100% financing available for Clinton Savings Bank mortgage holders; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.38% APR Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	9.00%	24 Months
Details Credit Score: 661 - 679; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $45.68 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	9.00%	36 Months
Details Credit Score: 661 - 679; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $31.80 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	9.00%	48 Months
Details Credit Score: 661 - 679; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $24.89 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	9.00%	60 Months
Details Credit Score: 661 - 679; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $20.76 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 9.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Auto Loans	-	-	9.50%	72 Months
Details Credit Score: 661 - 679; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account; Terms of Repayment per $1,000: $18.27 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 9.50% APR · checked 9 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
Other Motor Vehicle Loans - New Recreational Vehicle	-	8.75%	48 Months
Details Maximum Loan Amount: $75,000; Terms of Repayment per $1,000: $24.77; New - 80% financing, maximum term 120 months, rate may fluctuate based on term of loan; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%
Other Motor Vehicle Loans - Used Recreational Vehicle	-	9.25%	48 Months
Details Maximum Loan Amount: $75,000; Terms of Repayment per $1,000: $25.00; Used - 70% financing, maximum term 60 months, rate may fluctuate based on term of loan; APR reflects .50% discount for automatic payment from a CSB Checking or Savings Account for the full term of the loan Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.25% APR Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 15.56%

Clinton Savings Bank Personal Loan Rates

Product	APR	Term	View More
Personal Loans - Unsecured	15.00%	36 Months
Details Maximum Loan Amount: $10,000; Primary applicant must be an existing deposit customer for a minimum of three (3) months; Minimum FICO score of 730 for all borrowers Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 15.00% 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

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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.