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 November 2026

Q: What CD terms does Greenfield Savings Bank offer?

Greenfield Savings Bank CD rates are 0.40% APY for a 12 month CD, 4.18% APY for an 18 month CD, 4.18% APY for a 2 year CD, 4.28% APY for a 3 year CD, 4.28% APY for a 4 year CD and 4.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Greenfield Savings Bank for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Greenfield Savings Bank's CD - 36-Month rates are at 4.28%, CD - 48-Month rates are at 4.28%, CD - 60-Month rates are at 4.28%, CD - 18-Month rates are at 4.18%, CD - 24-Month rates are at 4.18%. Greenfield Savings Bank's savings rates are at 0.20%. Greenfield Savings Bank's checking rates are as high as 0.20%. Greenfield Savings Bank's First Time Home Buyer - 10/1 Adjustable Rate Mortgage rates are at 5.50%, Purchase Special 10/1 Adjustable Rate Mortgage rates are at 5.75%, 10/1 Adjustable Rate Mortgage rates are at 6.125%, 10-Year Fixed rates are at 6.50%, 5/1 Adjustable Rate Mortgage rates are at 5.75%. Greenfield Savings Bank's top CD rate of 4.50% APY on a 30 month CD is 56% higher than the MonitorBankRates national average of 2.89% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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 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	Min. Deposit
CD - 30-Month Special	4.41%	4.50%	30 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details New money only Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 30-Month Special	4.41%	4.50%	30 Month	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 36-Month	4.20%	4.28%	36 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 48-Month	4.20%	4.28%	48 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 60-Month	4.20%	4.28%	60 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 36-Month	4.20%	4.28%	36 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 48-Month	4.20%	4.28%	48 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 60-Month	4.20%	4.28%	60 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.28% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 18-Month	4.10%	4.18%	18 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 24-Month	4.10%	4.18%	24 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 4.18% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 18-Month	4.10%	4.18%	18 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 24-Month	4.10%	4.18%	24 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 4.18% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 14-Month Special	4.00%	4.07%	14 months	$500
Min Deposit $500 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 14-Month Special	4.00%	4.07%	14 Month	$500
Min Deposit $500 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 7-Month Special	3.74%	3.80%	7 months	$500
Min Deposit $500 Min Balance $10 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.04% → 3.80% ▲ 0.76 pts · high 3.80% / low 3.04% Oct 31, 20263.80%▲ from 3.04% Oct 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 7-Month Special	3.74%	3.80%	7 Month	$500
Min Deposit $500 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.04% → 3.80% ▲ 0.76 pts · high 3.80% / low 3.04% Oct 26, 20263.80%▲ from 3.04% Oct 14, 20263.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 91 Day	3.00%	3.03%	91 days	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 12-Month	0.40%	0.40%	12 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 12-Month	0.40%	0.40%	12 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
CD - 6-Month	0.35%	0.35%	6 months	$1,000
Min Deposit $1,000 Min Balance $10 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA 6-Month	0.35%	0.35%	6 Month	$1,000
Min Deposit $1,000 Min Balance $10 Details Individual Retirement Accounts Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.35% APY · checked 2 times 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 Individual Retirement Accounts; Rate may change after opening Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 6 times 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 Minimum balance to obtain APY: $10; Rate may change after opening Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 13 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 (); Emerald Checking account holders receive 0.10% APY bump on a single savings product of their choice Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 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 Rate: 120 [email protected]%; 12 [email protected]%; 227 [email protected]%; 1 [email protected]%; Margin 3.000%; Monthly Payments 360; Offer available to first time home buyers only; Purchase Special Last Updated 11/05/2026 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%
Purchase Special 10/1 Adjustable Rate Mortgage	5.75%	0	6.426%	30 Years
Details Initial rate 5.750% for 120 Months; Maximum Term 30 Years; Margin 3.000%; Monthly payments 360; Payments per $1,000: 120@$5.84; Fully indexed: 12 [email protected]%, 227 [email protected]%, 1 [email protected]% (payments 12@$6.70, 227@$6.70, 1@$6.72); ARM caps 2% per adjustment / 5% lifetime; Rates subject to adjust after the first 10 years and annually thereafter; APR based on $250,000 loan amount and 20% down payment; Rates are current as of 10/20/2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.43% APR · checked 5 times 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 fixed period: 120 Months; Fully indexed rate: 7.500%; Margin: 3.000%; ARM caps 2% per adjustment / 5% lifetime; Rates current as of 10/20/2026 Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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 fixed period: 60 Months; Fully indexed rate: 7.250%; Margin: 2.750%; ARM caps 2% per adjustment / 5% lifetime; Rates current as of 10/20/2026 Last Updated 11/05/2026 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 fixed period: 84 Months; Fully indexed rate: 7.375%; Margin: 2.875%; ARM caps 2% per adjustment / 5% lifetime; Rates current as of 10/20/2026 Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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 Special; Purchase for 1-4 Family Owner Occupied Properties; Monthly Payments: 360; Offer available to first time home buyers only; Offer good on purchases of owner occupied 1-4 family properties Last Updated 11/05/2026 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%
Mortgage Special - 30-Year Fixed Bi-Weekly	7.00%	0	7.068%	30 Years
Details Fixed Rate Bi-Weekly For 1-4 Family Owner Occupied Properties; Monthly Payments: 360; Payments Per $1,000: $3.33; Requires Automatic Loan Payment from a Greenfield Savings Bank Checking Account Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.07% APR · checked 5 times 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 Special; Purchase for 1-4 Family Owner Occupied Properties; Monthly Payments: 360; Offer good on purchases of owner occupied 1-4 family properties Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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 Loan - 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; Rates current as of 10/20/2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30-Year Fixed	6.875%	2	7.166%	30 Years
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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
No additional details. Last Updated 11/05/2026 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	7.375%	0	7.491%	30 Years
Details Minimum Down Payment: 3% Last Updated 11/05/2026 Rate History 6 changes since Sep 15, 2026 · 7.11% → 7.49% ▲ 0.38 pts · high 8.00% / low 7.11% Oct 20, 20267.49%▼ from 8.00% Oct 14, 20268.00%▲ from 7.87% Oct 3, 20267.87%▲ from 7.74% Oct 1, 20267.74%▲ from 7.49% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

Greenfield Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 15 Years	-	-	6.875%	15 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed; Margin: n/a; Monthly payments: 180 payments of Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.88% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Home Equity Loan - 20 Years	-	-	7.125%	20 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed; Margin: n/a; Monthly payments: 240 payments of Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.13% APR · checked 5 times 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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 Requires automatic loan payment from a Greenfield Savings Bank checking account Last Updated 11/05/2026 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%
Equity Loan - 10 Years Fixed	-	-	6.625%	10 Years
Details Greenfield Savings Bank first mortgage only; Maximum loan amount $100,000.00; Max Combined Loan-to-Value 80%; Index: Fixed; Max Annual Percentage Rate: n/a Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.63% APR · checked 5 times 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%; Points: 0; Monthly Payments: 360; Payments Per $1,000: $6.57 Last Updated 11/05/2026 Rate History 5 changes since Sep 15, 2026 · 6.46% → 6.96% ▲ 0.50 pts · high 7.09% / low 6.46% Oct 26, 20266.96%▼ from 7.09% Oct 20, 20267.09%▲ from 6.96% Oct 3, 20266.96%▲ from 6.71% Sep 27, 20266.71%▲ from 6.59% 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 Minimum balance to obtain APY: $10 Last Updated 11/05/2026 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 Minimum balance to obtain APY: $10,000 Last Updated 11/05/2026 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 Minimum balance to obtain APY: $50,000 Last Updated 11/05/2026 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 Minimum balance to obtain APY: $100,000 Last Updated 11/05/2026 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%

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

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

Bank Name Greenfield Savings Bank

Website https://www.greenfieldsavings.com

Address 400 Main St, Greenfield, MA 01301 · Franklin

Bank Holding Company GSB MHC

FDIC Certificate # 90206

Regulator FDIC

Established March 19, 1869

FDIC Insurance Date November 4, 1985

Domestic Offices 9

Total Branches 9

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.75%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5857%

Return on Equity (ROE)

6.3100%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Greenfield Savings Bank earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Greenfield Savings Bank

Does Greenfield Savings Bank offer CDs?

Yes. Greenfield Savings Bank current CD rates include its CD - 36-Month at 4.28% APY, its CD - 48-Month at 4.28% APY and its CD - 60-Month at 4.28% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Greenfield Savings Bank FDIC insured?

Yes. Greenfield Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Greenfield Savings Bank?

The highest Greenfield Savings Bank CD rate is its Certificate of Deposit - 30-Month Special at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Greenfield Savings Bank offer?

Greenfield Savings Bank CD rates are 0.40% APY for a 12 month CD, 4.18% APY for an 18 month CD, 4.18% APY for a 2 year CD, 4.28% APY for a 3 year CD, 4.28% APY for a 4 year CD and 4.28% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Greenfield Savings Bank for its full lineup.

What is the highest savings rate at Greenfield Savings Bank?

The highest Greenfield Savings Bank savings rate is its IRA Everyday Savings at 0.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Greenfield Savings Bank?

The highest Greenfield Savings Bank checking rate is its Emerald Checking at 0.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Greenfield Savings Bank?

The lowest Greenfield Savings Bank 30 year fixed mortgage rate is its 30-Year Fixed for First Time Home Buyers at 6.875%, verified by MonitorBankRates as of November 5, 2026. Greenfield Savings Bank mortgage rates are 6.875% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.375% for a 15 year mortgage and 6.50% for a 10 year mortgage.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Greenfield Savings Bank rates compare?

Greenfield Savings Bank's top CD rate of 4.50% APY on a 30 month CD is 56% higher than the MonitorBankRates national average of 2.89% APY for that term, and it has an A+ health rating. Greenfield Savings Bank's top rates are its 30-Months Certificate of Deposit - 30-Month Special at 4.50% APY, its IRA Everyday Savings at 0.20% APY, its Emerald Checking at 0.20% APY and its First Time Home Buyer - 10/1 Adjustable Rate Mortgage at 5.50%, verified by MonitorBankRates on November 5, 2026.

Current Greenfield Savings Bank Rates

12-Month CD0.40%
18-Month CD4.18%
24-Month CD4.18%
36-Month CD4.28%
48-Month CD4.28%
60-Month CD4.28%
Savings0.20%

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

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Greenfield Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Greenfield Savings Bank Texas Ratio

Greenfield Savings Bank Health Trend

Greenfield Savings Bank CD Rates

Greenfield Savings Bank Savings Rates

Greenfield Savings Bank Checking Rates

Greenfield Savings Bank Mortgage Rates

Greenfield Savings Bank Home Equity & HELOC

Greenfield Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Greenfield Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Greenfield Savings Bank

Does Greenfield Savings Bank offer CDs?

Are CDs from Greenfield Savings Bank FDIC insured?

What is the highest CD rate at Greenfield Savings Bank?

What CD terms does Greenfield Savings Bank offer?

What is the highest savings rate at Greenfield Savings Bank?

What is the highest checking rate at Greenfield Savings Bank?

What is the lowest 30 year fixed mortgage rate at Greenfield Savings Bank?

How many branches does Greenfield Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Greenfield Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Greenfield Savings Bank rates compare?

Current Greenfield Savings Bank Rates

Compare to Other Banks