What are the current interest rates at Dedham Institution for Savings?

Current rates for Dedham Institution for Savings include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.51%, 36-Month CD: 3.00%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 5.00%, MMA: 3.00%

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Dedham Institution for Savings

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Dedham Institution for Savings Rates & Review October 2026

Q: How many branches does Dedham Institution for Savings operate?

Dedham Institution for Savings currently maintains approximately 15 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, Dedham Institution for Savings 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, Dedham Institution for Savings provides members with tools to manage their accounts and build a solid financial history.

Q: Does Dedham Institution for Savings offer online and mobile banking?

Most modern institutions like Dedham Institution for Savings 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.dedhamsavings.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Dedham Institution for Savings's top rates as of October 11, 2026 are 4.15% APY on its 15-Month Certificate Special, 5.00% APY on savings, 3.00% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Dedham Institution for Savings CD rates include 8-Month Certificate Special at 4.10%, 5-Month Certificate Special at 4.05%, and 24-Month CD at 3.51%. MonitorBankRates evaluates the financial stability of Dedham Institution for Savings with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.91%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.91%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Dedham Institution for Savings

55 Elm St
Dedham, MA 02026

https://www.dedhamsavings.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.

Dedham Institution for Savings CD Rates

Product	Rate	APY	Term
15 Month Certificate Special	-	4.15%	15 Month
Min Balance $1,000 Details Limited Time Offer; Open an Account Online or at Any Location Last Updated 10/11/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 4.15% ▲ 0.65 pts · high 4.15% / low 3.50% Sep 24, 20264.15%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
8 Month Certificate Special	-	4.10%	8 Month
Min Balance $1,000 Details Limited Time Offer; Open an Account Online or at Any Location Last Updated 10/11/2026 Rate History 1 change since Sep 7, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70% Sep 24, 20264.10%▲ from 3.70% Sep 7, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
5 Month Certificate Special	-	4.05%	5 Month
Min Balance $1,000 Details Limited Time Offer; Open an Account Online or at Any Location Last Updated 10/11/2026 Rate History 1 change since Sep 7, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80% Sep 24, 20264.05%▲ from 3.80% Sep 7, 20263.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
24 Month CD	-	3.51%	24 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
12 Month CD	-	3.50%	12 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
18 Month CD	-	3.50%	18 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
30 Month CD	-	3.00%	30 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
36 Month CD	-	3.00%	36 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
48 Month CD	-	3.00%	48 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
60 Month CD	-	3.00%	60 Month
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
182 Day CD	-	1.00%	182 Day
Min Balance $1,000 Details Open an Account at Any Location Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
91 Day CD	-	0.50%	91 Day
Min Balance $1,000 Details Open an Account at Any Location 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: 10.91%

Dedham Institution for Savings Savings Rates

Product	Rate	APY
Start Up Savings	-	5.00%
Min Balance $0 Details Balance: $0 - $1,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 5.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
High Yield Savings	-	3.40%
Min Balance $20,000 Details Balance: $20,000 - $2,500,000 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
High Yield Savings	-	0.05%
Min Balance $2,500,000 Details Balance: $2,500,000+ Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
High Yield Savings	-	0.05%
Min Balance $0 Details Balance: $0 - < $20,000 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: 10.91%
Savings Account	0.05%	0.05%
Min Deposit $20,000 Min Balance $20,000 Details Must be opened with a minimum of $20,000 in new funds not currently on deposit at Dedham Savings. Personal accounts only. Interest rate is based on a minimum balance of $20,000 up to $2,500,000. For balances under $20,000 or over $2,500,000, the interest rate of 0.05% with an APY of 0.05% will be paid on the entire balance. Maximum deposit amount of $2,500,000 per household. Fees may reduce earnings. Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Start Up Savings	-	0.05%
Min Balance $1,000 Details Balance: $1,000+ Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Statement Savings	-	0.05%
Min Balance $10 Details Balance: $10+ Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%

Dedham Institution for Savings Money Market Rates

Product	Rate	APY
Premium Money Market Account	-	3.00%
Min Balance $100,000 Details Balance: $100,000 - $2,000,0000 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Preferred Money Market Account	-	0.50%
Min Balance $10,000 Details Balance: $10,000 - $2,000,0000 Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Money Market Account	-	0.05%
Min Balance $10 Details Balance: $10+ Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Preferred Money Market Account	-	0.05%
Min Balance $10 Details Balance: $10 - $9,999 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: 10.91%
Premium Money Market Account	-	0.05%
Min Balance $10 Details Balance: $10 - $99,999 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: 10.91%

Dedham Institution for Savings Checking Rates

Product	Rate	APY
Check Rewards Checking	-	0.05%
Min Balance $10,000 Details Balance Tier: $10,000+ Last Updated 10/11/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%
Check Rewards Checking	-	0.05%
Min Balance $10 Details Balance Tier: $10 - $9,999 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: 10.91%

Dedham Institution for Savings Other Rates

Product	Rate	Points	APY/APR	Term	View More
Limited Time Offer	-	-	5.00%
Min Deposit $25 Min Balance $0 Details Must be opened with funds not currently on deposit at Dedham Savings. 5.00% APY for balances of $0 to $1,000. 0.05% APY for balances over $1,000. Rates guaranteed until 12/31/26, and subject to change thereafter. Online statements required within 30 days of account opening, or account will revert to standard Statement Savings account at 0.05% APY for all balances. One account per client. Limited time offer. Fees may reduce earnings. Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 5.00% → 5.00% ▼ 0.00 pts · high 5.00% / low 0.05% Oct 11, 20265.00%▲ from 0.05% Oct 3, 20260.05%▼ from 5.00% Sep 19, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.91%

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.
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Financial Health History

Dedham Institution for Savings’s Texas Ratio rose from 6.25% in Q3 2023 to 10.91% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$2.6B	10.91%	5.0	A
March 31, 2026	$2.6B	7.53%	5.0	A
December 31, 2025	$2.6B	7.06%	5.0	A
September 30, 2025	$2.6B	7.02%	5.0	A
June 30, 2025	$2.5B	7.86%	5.0	A
March 31, 2025	$2.5B	7.61%	5.0	A
December 31, 2024	$2.5B	7.75%	5.0	A
September 30, 2024	$2.4B	7.33%	5.0	A
June 30, 2024	$2.4B	6.10%	5.0	A
March 31, 2024	$2.4B	6.20%	5.0	A
December 31, 2023	$2.3B	6.35%	5.0	A
September 30, 2023	$2.3B	6.25%	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 Dedham Institution for Savings 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 Dedham Institution for Savings 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 Dedham Institution for Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dedham Institution for Savings

Bank Holding Company CHARLESBRIDGE MHC

Address 55 Elm St, Dedham, MA 02026 · Norfolk

Website https://www.dedhamsavings.com

FDIC Certificate # 23620

Established 18310319

FDIC Insurance Date 19820102

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.91%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8805%

Return on Equity (ROE) 7.9900%

Non-Performing Loans (NPL) 0.90%

Total Assets $2,600,580,000

Total Deposits $2,057,822,000

Equity Capital $290,613,000

Net Income $11,361,000

Headquarters Dedham

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Dedham Institution for Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Dedham Institution for Savings

How many branches does Dedham Institution for Savings operate?

Dedham Institution for Savings currently maintains approximately 15 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, Dedham Institution for Savings 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, Dedham Institution for Savings provides members with tools to manage their accounts and build a solid financial history.

Does Dedham Institution for Savings offer online and mobile banking?

Most modern institutions like Dedham Institution for Savings 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.dedhamsavings.com.