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Greenfield Savings Bank Rates & Review August 2026

Greenfield Savings Bank's 14-Month Special rates are at 3.66%, 7-Month Special rates are at 3.66%, 24-Month rates are at 3.30%, 36-Month rates are at 3.30%, 48-Month rates are at 3.04%. Greenfield Savings Bank's savings rates are at 0.15%. Greenfield Savings Bank's 10/1 Adjustable Rate Mortgage rates are at 5.25%, 7/1 Adjustable Rate Mortgage rates are at 5.38%, 10-Year Fixed rates are at 6.00%, 5/1 Adjustable Rate Mortgage rates are at 5.25%, 15-Year Fixed rates are at 6.12%. 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 2.57%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.57%
Excellent Lower than avg
Greenfield Savings Bank
400 Main St
Greenfield, MA 01301
https://www.greenfieldsavings.com
Member FDIC

Greenfield Savings Bank CD Rates

Product Rate APY Term View More
14 Month Special 3.60% 3.66% 14 Month
Min Deposit $500
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
7 Month Special 3.60% 3.66% 7 Month
Min Deposit $500
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
24 Month 3.25% 3.30% 24 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
36 Month 3.25% 3.30% 36 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
48 Month 3.00% 3.04% 48 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
60 Month 3.00% 3.04% 60 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
18 Month 0.45% 0.45% 18 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
12 Month 0.40% 0.40% 12 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month 0.35% 0.35% 6 Month
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
6 Month Flex 0.35% 0.35%
Min Deposit $1,000
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Greenfield Savings Bank Savings Rates

Product Rate APY View More
Totally Free Savings 0.20% 0.20%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Everyday Savings 0.15% 0.15%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Greenfield Savings Bank Checking Rates

Product Rate APY View More
Emerald Checking 0.20% 0.20%
Min Deposit $1
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

Greenfield Savings Bank Mortgage Rates

Product Rate Points APR Term View More
First Time Home Buyer -10/1 Adjustable Rate Mortgage - 0 5.78% 30 Years
Details Intro rate expires: 120 Months; Rate: 7.000 % for 12 Months; Rate: 7.000 % for 227 Months; Rate: 7.000 % for 1 Month; Margin: 3.000 %
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
10/1 Adjustable Rate Mortgage 5.25% 0 5.94% 30 Years
Details Rate: 7.000% for 12 months, 7.000% for 227 months, 7.000% for 1 month. Margin: 3.000%. Monthly Payments: 360.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
7/1 Adjustable Rate Mortgage 5.38% 0 6.19% 30 Years
Details Initial 84 months at 5.375%; 12 months at 6.875%; 263 months at 6.875%; 1 month at 6.875%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
10-Year Fixed 6.00% 0 6.19% 10 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
5/1 Adjustable Rate Mortgage 5.25% 0 6.24% 30 Years
Details Initial 60 months at 5.250%; 12 months at 6.750%; 287 months at 6.750%; 1 month at 6.750%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed 6.13% 0 6.26% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed 6.00% 1 6.29% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed 5.88% 2 6.33% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed for First Time Home Buyers 6.25% 0 6.33% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
10/1 Adjustable Rate Mortgage 5.88% 0 6.34% 30 Years
Details Initial 120 months at 5.875%; 12 months at 7.000%; 227 months at 7.000%; 1 month at 7.000%
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed Bi-Weekly 6.38% 0 6.44% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed for Purchases 6.38% 0 6.46% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
20-Year Fixed 6.38% 0 6.49% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
20-Year Fixed 6.25% 1 6.49% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
20-Year Fixed 6.13% 2 6.49% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
First Mortgage - - 6.50% 5 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed 6.50% 0 6.59% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed 6.38% 2 6.66% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
30-Year Fixed 6.50% 1 6.68% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
First Mortgage - - 6.75% 10 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
First Mortgage - - 6.88% 15 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
Mass Housing Mortgage: First Time Homebuyer 6.88% 0 6.98% 30 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
First Mortgage - - 7.13% 20 Years
Details Max Combined Loan-to-Value: 80%; Index: Fixed
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%
15-Year Fixed Rate 7.00% 0 7.14% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 2.57%

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
FDIC Certificate # 90206
Established 03/19/1869
FDIC Insurance Date 11/04/1985
Domestic Offices 8
Total Branches 8
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
2.57%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.5766%
Return on Equity (ROE) 5.7200%
Non-Performing Loans (NPL) 0.19%
Total Assets $1,469,308,000
Total Deposits $1,137,418,000
Equity Capital $137,558,000
Net Income $6,847,000
Headquarters Greenfield
Total Branches and Offices 8
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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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 8 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.

Current Greenfield Savings Bank Rates

  • 12-Month CD0.40%
  • 18-Month CD0.45%
  • 24-Month CD3.30%
  • 36-Month CD3.30%
  • 48-Month CD3.04%
  • 60-Month CD3.04%
  • Savings0.15%
Retrieved from our database of financial products. Rates subject to change.