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Clinton Savings Bank Rates & Review August 2026

Clinton Savings Bank's 13-Month Special CD/IRA rates are at 3.80%, 8-Month Special rates are at 3.60%, 5-Month Special rates are at 3.40%, 12-Month Get Real Add-On CD rates are at 3.00%, 60-Month rates are at 0.70%. 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 at 6.74%. 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 2.80%. Rates last updated and verified on 08/28/2026.

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+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.80%
Excellent Lower than avg
Clinton Savings Bank
200 Church St
Clinton, MA 01510
https://www.clintonsavings.com
Member FDIC

Clinton Savings Bank CD Rates

Product Rate APY Term View More
13-Month Special CD/IRA 3.73% 3.80% 13-Month
Min Balance $10
Details Special CD/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
8-Month Special 3.54% 3.60% 8-Month
Min Balance $10
Details $500 min. to open
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
5-Month Special 3.34% 3.40% 5-Month
Min Balance $10
Details Regular CD Only; $500 min. to open
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
12-Month Get Real Add-On CD 2.96% 3.00% 12-Month
Min Balance $10
Details Get Real Add-On CD
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
60 Month 0.70% 0.70% 60 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
48 - 59 Month 0.60% 0.60% 59 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
60 Month Regular/IRA 0.60% 0.60% 60 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
36 - 47 Month 0.55% 0.55% 47 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
48 - 59 Month Regular/IRA 0.50% 0.50% 59 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
24 - 35 Month 0.45% 0.45% 35 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
36 - 47 Month Regular/IRA 0.45% 0.45% 47 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
18 - 23 Month 0.35% 0.35% 23 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
24 - 35 Month Regular/IRA 0.35% 0.35% 35 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
12 - 17 Month 0.30% 0.30% 17 Month
Min Balance $10
Details Promo
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
18 - 23 Month Regular/IRA 0.25% 0.25% 23 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
12 - 17 Month Regular/IRA 0.20% 0.20% 17 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
6 - 11 Month Regular/IRA 0.15% 0.15% 11 Month
Min Balance $10
Details Regular/IRA
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
3 - 5 Month (Regular CD Only) 0.10% 0.10% 5 Month
Min Balance $10
Details Regular CD Only
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

Clinton Savings Bank Savings Rates

Product Rate APY View More
eXPERIENCE Online Savings Account 3.78% 3.85%
Min Balance $10
Details APY assumes eXPERIENCE Online Savings Account is opened with a new money deposit. APY may change after account opening.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
18/65 Statement Savings Account 0.02% 0.02%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Get Real Statement Savings Account 0.02% 0.02%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Passbook Savings Account & Statement Savings Account 0.02% 0.02%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Statement Savings IRA Account 0.02% 0.02%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

Clinton Savings Bank Money Market Rates

Product Rate APY View More
Tiered Money Market Account 0.15% 0.15%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Tiered Money Market Account 0.10% 0.10%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Tiered Money Market Account 0.05% 0.05%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

Clinton Savings Bank Checking Rates

Product Rate APY View More
Total Access Checking - 4.50%
Min Deposit $10
Min Balance $0
Details Qualifications Required: 12 CSB debit card purchases post and clear; one direct deposit or ACH debit transaction post and clear; register and log in to Online Banking; enroll and receive eStatements; 4.50% APY on balances between $0.00 and $24,999.99; 0.05% APY paid on amounts of $25,000 and above; ATM fee refunds of up to a maximum of $12 per qualification cycle if all qualifications are met.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Preferred Checking Account 0.05% 0.05%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Total Access Checking - 0.05%
Min Deposit $10
Min Balance $25,000
Details 0.05% APY paid on amounts of $25,000 and above.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Preferred Checking Account 0.02% 0.02%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
18/65 Checking Account 0.01% 0.01%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Get Real Checking Account 0.01% 0.01%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Preferred Checking Account 0.01% 0.01%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Total Access Checking - 0.01%
Min Deposit $10
Details 0.01% APY paid on all balances if qualifications are not met.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

Clinton Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Equity Line of Credit - - 6.25% 120 Months (interest only)
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

Clinton Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 6.74% 24 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Auto Loans - - 7.25% 72 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Auto Loans - - 7.74% 24 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Auto Loans - - 8.25% 72 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Auto Loans - - 9.00% 24 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%
Auto Loans - - 9.50% 72 Months
Details 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 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.80%

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
FDIC Certificate # 90181
Established 05/15/1851
FDIC Insurance Date 11/20/1985
Domestic Offices 9
Total Branches 9
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.80%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.4366%
Return on Equity (ROE) 5.2900%
Non-Performing Loans (NPL) 0.21%
Total Assets $743,035,000
Total Deposits $570,792,000
Equity Capital $58,832,000
Net Income $-5,271,000
Headquarters Clinton
Total Branches and Offices 9
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Total Reviews
0
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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.

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%
  • Savings0.02%
  • MMA0.05%
Retrieved from our database of financial products. Rates subject to change.