What are the current interest rates at Greenfield Savings Bank?

Current rates for Greenfield Savings Bank include: 12-Month CD: 0.40%, 18-Month CD: 4.18%, 24-Month CD: 4.18%, 36-Month CD: 4.28%, 48-Month CD: 4.28%, 60-Month CD: 4.28%, Savings: 0.20%

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Greenfield Savings Bank Rates & Review October 2026

Q: How many branches does Greenfield Savings Bank operate?

Greenfield 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Greenfield 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

Greenfield Savings Bank's top rates as of October 14, 2026 are 4.28% APY on its Certificate of Deposit - 36-Month, 0.20% APY on savings, 0.20% APY on checking, and 5.50% on its First Time Home Buyer -10/1 Adjustable Rate Mortgage, according to rates verified by MonitorBankRates. Other Greenfield Savings Bank CD rates include Certificate of Deposit - 48-Month at 4.28%, Certificate of Deposit - 60-Month at 4.28%, and Certificate of Deposit - 18-Month at 4.18%. Other Greenfield Savings Bank mortgage rates include 10/1 Adjustable Rate Mortgage at 5.75%, 10/1 Adjustable Rate Mortgage at 6.125%, and 10-Year Fixed at 6.50%. MonitorBankRates evaluates the financial stability of Greenfield Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.75%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.75%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Greenfield Savings Bank

400 Main St
Greenfield, MA 01301

https://www.greenfieldsavings.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.

Greenfield Savings Bank CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 36 Month	4.20%	4.28%	36 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 48 Month	4.20%	4.28%	48 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 60 Month	4.20%	4.28%	60 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.28% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 18 Month	4.10%	4.18%	18 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 24 Month	4.10%	4.18%	24 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.18% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 7 Month Special	3.00%	3.04%	7 Month
Min Deposit $500 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 7 Month Special	3.00%	3.04%	7 Month
Min Deposit $500 Min Balance $10 Details Special rate Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.04% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 91 Day	3.00%	3.03%	91 Day
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.03% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 12 Month	0.40%	0.40%	12 Month
Min Deposit $1,000 Min Balance $10 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Certificate of Deposit - 6 Month	0.35%	0.35%	6 Month
Min Deposit $1,000 Min Balance $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: 3.75%

Greenfield Savings Bank Savings Rates

Product	Rate	APY
IRA Everyday Savings	0.20%	0.20%
Min Deposit $10 Min Balance $10 Details Rate may change after opening 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: 3.75%
Everyday Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10 Details Rate may change after opening; Daily balance Last Updated 10/14/2026 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: 3.75%

Greenfield Savings Bank Checking Rates

Product	Rate	APY	View More
Emerald Checking	0.20%	0.20%
Min Deposit $1 Min Balance $10 Details Suggested minimum deposit to open Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

Greenfield Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
First Time Home Buyer -10/1 Adjustable Rate Mortgage	5.50%	0	6.266%	30 Years
Details Purchase Special - First Time Home Buyer; Offer available to first time home buyers only; Margin: 3.000%; Discount Points: 0; Rate schedule: 120 [email protected]%, 12 [email protected]%, 227 [email protected]%, 1 [email protected]%; Fully indexed; Monthly Payments: 360; Payments per $1,000: 120@$5.68, 12@$6.65, 227@$6.65, 1@$6.67 Last Updated 10/14/2026 Rate History 4 changes since Sep 15, 2026 · 5.90% → 6.27% ▲ 0.37 pts · high 6.27% / low 5.90% Oct 1, 20266.27%▲ from 6.10% Sep 27, 20266.10%▲ from 6.06% Sep 24, 20266.06%▲ from 5.98% Sep 19, 20265.98%▲ from 5.90% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
10/1 Adjustable Rate Mortgage	5.75%	0	6.426%	30 Years
Details Maximum term: 30 Years; Initial rate 5.750% for 120 Months, then 7.500% for 12 Months, 227 Months and 1 Month; Margin 3.000%; Monthly payments: 360; Payments per $1,000 (fully indexed): 120@$5.84, 12@$6.70, 227@$6.70, 1@$6.72; ARM caps 2% per adjustment / 5% lifetime; Index: 1 Year Treasury constant maturity; Purchase Special; Rates current as of 10/14/2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 15, 2026 · 6.06% → 6.43% ▲ 0.37 pts · high 6.43% / low 6.06% Oct 1, 20266.43%▲ from 6.27% Sep 27, 20266.27%▲ from 6.22% Sep 24, 20266.22%▲ from 6.14% Sep 19, 20266.14%▲ from 6.06% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
10/1 Adjustable Rate Mortgage	6.125%	0	6.669%	30 Years
Details Initial Rate: 120 [email protected]%; Subsequent Rates: 12 [email protected]%, 227 [email protected]%, 1 [email protected]%; Margin: 3.000%; Monthly Payments: 360; ARM Caps: 2% per adjustment / 5% lifetime; Rates current as of 10/14/2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 15, 2026 · 6.06% → 6.67% ▲ 0.61 pts · high 6.67% / low 6.06% Oct 1, 20266.67%▲ from 6.27% Sep 27, 20266.27%▲ from 6.22% Sep 24, 20266.22%▲ from 6.14% Sep 19, 20266.14%▲ from 6.06% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
10-Year Fixed	6.50%	0	6.697%	10 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.32% → 6.70% ▲ 0.38 pts · high 6.70% / low 6.32% Oct 1, 20266.70%▲ from 6.57% Sep 27, 20266.57%▲ from 6.44% Sep 24, 20266.44%▲ from 6.32% Sep 15, 20266.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
5/1 Adjustable Rate Mortgage	5.75%	0	6.731%	30 Years
Details Initial Rate: 60 [email protected]%; Subsequent Rates: 12 [email protected]%, 287 [email protected]%, 1 [email protected]%; Margin: 2.750%; Monthly Payments: 360; ARM Caps: 2% per adjustment / 5% lifetime; Rates current as of 10/14/2026 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.36% → 6.73% ▲ 0.37 pts · high 6.73% / low 6.36% Oct 1, 20266.73%▲ from 6.56% Sep 24, 20266.56%▲ from 6.51% Sep 19, 20266.51%▲ from 6.36% Sep 15, 20266.36%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
7/1 Adjustable Rate Mortgage	6.00%	0	6.742%	30 Years
Details Initial Rate: 84 [email protected]%; Subsequent Rates: 12 [email protected]%, 263 [email protected]%, 1 [email protected]%; Margin: 2.875%; Monthly Payments: 360; ARM Caps: 2% per adjustment / 5% lifetime; Rates current as of 10/14/2026 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.31% → 6.74% ▲ 0.43 pts · high 6.74% / low 6.31% Oct 1, 20266.74%▲ from 6.56% Sep 24, 20266.56%▲ from 6.43% Sep 19, 20266.43%▲ from 6.31% Sep 15, 20266.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Fixed	6.625%	0	6.766%	15 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.39% → 6.77% ▲ 0.38 pts · high 6.77% / low 6.39% Oct 1, 20266.77%▲ from 6.64% Sep 27, 20266.64%▲ from 6.51% Sep 24, 20266.51%▲ from 6.39% Sep 15, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Fixed	6.50%	1	6.801%	15 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.42% → 6.80% ▲ 0.38 pts · high 6.80% / low 6.42% Oct 1, 20266.80%▲ from 6.67% Sep 27, 20266.67%▲ from 6.55% Sep 24, 20266.55%▲ from 6.42% Sep 15, 20266.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Fixed	6.375%	2	6.838%	15 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.46% → 6.84% ▲ 0.38 pts · high 6.84% / low 6.46% Oct 1, 20266.84%▲ from 6.71% Sep 27, 20266.71%▲ from 6.58% Sep 24, 20266.58%▲ from 6.46% Sep 15, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed for First Time Home Buyers	6.875%	0	6.963%	30 Years
Details Purchase Specials: Purchase for 1-4 Family Owner Occupied Properties; Offer available to first time home buyers only; Offer good on purchases of owner occupied 1-4 family properties; Monthly payments: 360 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.46% → 6.96% ▲ 0.50 pts · high 6.96% / low 6.46% Oct 1, 20266.96%▲ from 6.84% Sep 27, 20266.84%▲ from 6.71% Sep 24, 20266.71%▲ from 6.46% Sep 15, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed Bi-Weekly	7.00%	0	7.068%	30 Years
Details Mortgage Special - Fixed Rate Bi-Weekly for 1-4 Family Owner Occupied Properties; Maximum Term: 30 Years; Monthly Payments: 360; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Rates current as of 10/14/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 6.57% → 7.07% ▲ 0.50 pts · high 7.07% / low 6.57% Sep 27, 20267.07%▲ from 6.94% Sep 24, 20266.94%▲ from 6.57% Sep 15, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed for Purchases	7.00%	0	7.089%	30 Years
Details Purchase Specials: Purchase for 1-4 Family Owner Occupied Properties; Monthly payments: 360 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 1, 20267.09%▲ from 6.96% Sep 27, 20266.96%▲ from 6.84% Sep 24, 20266.84%▲ from 6.59% Sep 15, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Fixed	7.00%	0	7.117%	20 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.61% → 7.12% ▲ 0.50 pts · high 7.12% / low 6.61% Oct 1, 20267.12%▲ from 6.99% Sep 27, 20266.99%▲ from 6.86% Sep 24, 20266.86%▲ from 6.61% Sep 15, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Fixed	6.875%	1	7.122%	20 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.61% → 7.12% ▲ 0.51 pts · high 7.12% / low 6.61% Oct 1, 20267.12%▲ from 7.00% Sep 27, 20267.00%▲ from 6.87% Sep 24, 20266.87%▲ from 6.61% Sep 15, 20266.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Fixed	6.75%	2	7.127%	20 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.62% → 7.13% ▲ 0.51 pts · high 7.13% / low 6.62% Oct 1, 20267.13%▲ from 7.00% Sep 27, 20267.00%▲ from 6.87% Sep 24, 20266.87%▲ from 6.62% Sep 15, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Fixed Rate Land Loans - 15-Year Fixed Rate	7.00%	0	7.14%	15 Years
Details Maximum term: 15 Years; Monthly payments: 180; Buildable Lot with Satisfactory Perc Test or Town Water/Sewer; APR based on $250,000 loan amount and 20% down payment Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed	6.875%	2	7.166%	30 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.66% → 7.17% ▲ 0.51 pts · high 7.17% / low 6.66% Oct 1, 20267.17%▲ from 7.04% Sep 27, 20267.04%▲ from 6.91% Sep 24, 20266.91%▲ from 6.66% Sep 15, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed	7.00%	1	7.191%	30 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.68% → 7.19% ▲ 0.51 pts · high 7.19% / low 6.68% Oct 1, 20267.19%▲ from 7.06% Sep 27, 20267.06%▲ from 6.94% Sep 24, 20266.94%▲ from 6.68% Sep 15, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed	7.125%	0	7.216%	30 Years
Details Fixed rate, 1-4 family owner occupied Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.71% → 7.22% ▲ 0.50 pts · high 7.22% / low 6.71% Oct 1, 20267.22%▲ from 7.09% Sep 27, 20267.09%▲ from 6.96% Sep 24, 20266.96%▲ from 6.71% Sep 15, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Mass Housing Mortgage: First Time Homebuyer	7.875%	0	7.996%	30 Years
Details Minimum Down Payment: 3%; Monthly Payments: 360 Last Updated 10/14/2026 Rate History 5 changes since Sep 15, 2026 · 7.11% → 8.00% ▲ 0.89 pts · high 8.00% / low 7.11% Oct 14, 20268.00%▲ from 7.87% Oct 3, 20267.87%▲ from 7.74% Oct 1, 20267.74%▲ from 7.49% Sep 24, 20267.49%▲ from 7.36% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

Greenfield Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
10-Year Bi-Weekly Loan	6.50%	0	6.648%	10 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 120; Payments per $1,000 $5.68 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.27% → 6.65% ▲ 0.38 pts · high 6.65% / low 6.27% Oct 3, 20266.65%▲ from 6.52% Sep 27, 20266.52%▲ from 6.40% Sep 24, 20266.40%▲ from 6.27% Sep 15, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Bi-Weekly Loan	6.375%	2	6.836%	15 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 180; Payments per $1,000 $4.32 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.33% → 6.84% ▲ 0.51 pts · high 6.84% / low 6.33% Oct 3, 20266.84%▲ from 6.58% Sep 27, 20266.58%▲ from 6.46% Sep 24, 20266.46%▲ from 6.33% Sep 15, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Bi-Weekly Loan	6.50%	1	6.783%	15 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 180; Payments per $1,000 $4.36 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.28% → 6.78% ▲ 0.51 pts · high 6.78% / low 6.28% Oct 3, 20266.78%▲ from 6.53% Sep 27, 20266.53%▲ from 6.40% Sep 24, 20266.40%▲ from 6.28% Sep 15, 20266.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
15-Year Bi-Weekly Loan	6.625%	0	6.731%	15 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 180; Payments per $1,000 $4.39 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.23% → 6.73% ▲ 0.50 pts · high 6.73% / low 6.23% Oct 3, 20266.73%▲ from 6.48% Sep 27, 20266.48%▲ from 6.36% Sep 24, 20266.36%▲ from 6.23% Sep 15, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Bi-Weekly Loan	6.75%	2	7.127%	20 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 240; Payments per $1,000 $3.80 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.62% → 7.13% ▲ 0.51 pts · high 7.13% / low 6.62% Oct 3, 20267.13%▲ from 6.87% Sep 27, 20266.87%▲ from 6.75% Sep 24, 20266.75%▲ from 6.62% Sep 15, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Bi-Weekly Loan	6.875%	1	7.107%	20 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 240; Payments per $1,000 $3.84 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.60% → 7.11% ▲ 0.50 pts · high 7.11% / low 6.60% Oct 3, 20267.11%▲ from 6.85% Sep 27, 20266.85%▲ from 6.73% Sep 24, 20266.73%▲ from 6.60% Sep 15, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
20-Year Bi-Weekly Loan	7.00%	0	7.087%	20 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 240; Payments per $1,000 $3.88 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.59% → 7.09% ▲ 0.50 pts · high 7.09% / low 6.59% Oct 3, 20267.09%▲ from 6.84% Sep 27, 20266.84%▲ from 6.71% Sep 24, 20266.71%▲ from 6.59% Sep 15, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Bi-Weekly Loan	6.875%	2	7.171%	30 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 360; Payments per $1,000 $3.28 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.66% → 7.17% ▲ 0.51 pts · high 7.17% / low 6.66% Oct 3, 20267.17%▲ from 6.92% Sep 27, 20266.92%▲ from 6.79% Sep 24, 20266.79%▲ from 6.66% Sep 15, 20266.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Bi-Weekly Loan	7.00%	1	7.183%	30 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 360; Payments per $1,000 $3.33 Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.68% → 7.18% ▲ 0.51 pts · high 7.18% / low 6.68% Oct 3, 20267.18%▲ from 6.93% Sep 27, 20266.93%▲ from 6.80% Sep 24, 20266.80%▲ from 6.68% Sep 15, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Bi-Weekly Loan	7.125%	0	7.194%	30 Years
Details Owner occupied 1-4 family; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account; Monthly Payments 360; Payments per $1,000 $3.37 Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 6.69% → 7.19% ▲ 0.50 pts · high 7.19% / low 6.69% Oct 3, 20267.19%▲ from 6.94% Sep 24, 20266.94%▲ from 6.69% Sep 15, 20266.69%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Fixed Rate Loan	-	-	6.875%	15 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed; Margin: n/a; Monthly payments: 180 payments of Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Mass Housing Partnership - First Time Homebuyer Program Loan	6.875%	0	6.963%	30 Years
Details Minimum Down Payment: 3%; Rates subject to increase after consummation Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.46% → 6.96% ▲ 0.50 pts · high 6.96% / low 6.46% Oct 3, 20266.96%▲ from 6.71% Sep 27, 20266.71%▲ from 6.59% Sep 19, 20266.59%▲ from 6.46% Sep 15, 20266.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
High Yield	2.30%	-	2.32%
Min Deposit $10 Min Balance $10 Details Balance: minimum $10 to obtain APY; Daily balance Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 2.22% → 2.32% ▲ 0.10 pts · high 2.32% / low 2.22% Oct 3, 20262.32%▲ from 2.22% Sep 19, 20262.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
High Yield	2.50%	-	2.53%
Min Balance $10,000 Details Balance: minimum $10,000 to obtain APY; Daily balance Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 2.32% → 2.53% ▲ 0.21 pts · high 2.53% / low 2.32% Oct 3, 20262.53%▲ from 2.32% Sep 19, 20262.32%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
High Yield	3.00%	-	3.04%
Min Balance $50,000 Details Balance: minimum $50,000 to obtain APY; Daily balance Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 2.43% → 3.04% ▲ 0.61 pts · high 3.04% / low 2.43% Oct 3, 20263.04%▲ from 2.43% Sep 19, 20262.43%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
High Yield	3.10%	-	3.14%
Min Balance $100,000 Details Balance: minimum $100,000 to obtain APY; Daily balance Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 3.14% ▲ 0.61 pts · high 3.14% / low 2.53% Oct 3, 20263.14%▲ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

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Financial Health History

Greenfield Savings Bank’s Texas Ratio rose from 2.57% in Q3 2023 to 3.75% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$1.5B	3.75%	5.0	A+
March 31, 2026	$1.5B	3.41%	5.0	A+
December 31, 2025	$1.5B	3.16%	5.0	A+
September 30, 2025	$1.4B	3.03%	5.0	A+
June 30, 2025	$1.3B	2.74%	5.0	A+
March 31, 2025	$1.3B	2.84%	5.0	A+
December 31, 2024	$1.2B	2.87%	5.0	A+
September 30, 2024	$1.2B	2.72%	5.0	A+
June 30, 2024	$1.2B	2.43%	5.0	A+
March 31, 2024	$1.2B	2.54%	5.0	A+
December 31, 2023	$1.2B	2.58%	5.0	A+
September 30, 2023	$1.1B	2.57%	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 Greenfield 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 Greenfield 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 Greenfield Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Greenfield Savings Bank

Bank Holding Company GSB MHC

Address 400 Main St, Greenfield, MA 01301 · Franklin

Website https://www.greenfieldsavings.com

FDIC Certificate # 90206

Established 18690319

FDIC Insurance Date 19851104

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5857%

Return on Equity (ROE) 6.3100%

Non-Performing Loans (NPL) 0.35%

Total Assets $1,522,592,000

Total Deposits $1,254,483,000

Equity Capital $140,849,000

Net Income $4,378,000

Headquarters Greenfield

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Greenfield Savings Bank 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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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Greenfield Savings Bank

How many branches does Greenfield Savings Bank operate?

Greenfield 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, Greenfield 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, Greenfield Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Greenfield Savings Bank offer online and mobile banking?

Most modern institutions like Greenfield 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.greenfieldsavings.com.