What are the current interest rates at Haverhill Bank?

Current rates for Haverhill Bank include: 12-Month CD: 3.60%, 18-Month CD: 3.60%, 24-Month CD: 3.60%, 36-Month CD: 3.35%, 60-Month CD: 3.35%, Savings: 0.05%, MMA: 2.25%

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Haverhill Bank Rates & Review October 2026

Q: How many branches does Haverhill Bank operate?

Haverhill Bank currently maintains approximately 7 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, Haverhill 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Haverhill 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 11, 2026

Haverhill Bank's top rates as of October 11, 2026 are 4.25% APY on its 11-Month Certificate of Deposit (CD), 0.05% APY on savings, 2.25% APY on money market accounts, 0.05% APY on checking, and auto loans from 7.375% APR, according to rates verified by MonitorBankRates. Other Haverhill Bank CD rates include 7-Month Certificate of Deposit (CD) at 4.25%, IRA 12-Month fixed at 3.60%, and IRA 12-Month variable at 3.60%. MonitorBankRates evaluates the financial stability of Haverhill Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Haverhill Bank

180 Merrimack St
Haverhill, MA 01830

https://www.haverhillbank.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.

Haverhill Bank CD Rates

Product	Rate	APY	Term
11-Month Certificate of Deposit (CD)	-	4.25%	11-Month
Min Deposit $500 Min Balance $500 Details The Annual Percentage Yield (APY) for the 7-Month and 11-Month Certificate of Deposit (CD) is 4.25% as of 10/02/2026. A minimum balance of $500 is required to earn stated APY. A penalty may be imposed for early withdrawl. Fees may reduce earnings. Rates are subject to change without notice. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 7, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
7-Month Certificate of Deposit (CD)	-	4.25%	7-Month
Min Deposit $500 Min Balance $500 Details The Annual Percentage Yield (APY) for the 7-Month and 11-Month Certificate of Deposit (CD) is 4.25% as of 10/02/2026. A minimum balance of $500 is required to earn stated APY. A penalty may be imposed for early withdrawl. Fees may reduce earnings. Rates are subject to change without notice. Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00% Oct 7, 20264.25%▲ from 4.00% Sep 24, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 12 month fixed	3.54%	3.60%	12 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 12 month variable	3.54%	3.60%	12 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 18 month fixed	3.54%	3.60%	18 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 18 month variable	3.54%	3.60%	18 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 24 month fixed	3.54%	3.60%	24 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 24 month variable	3.54%	3.60%	24 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 36 month fixed	3.30%	3.35%	36 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 36 month variable	3.30%	3.35%	36 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 60 month fixed	3.30%	3.35%	60 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
IRA 60 month variable	3.30%	3.35%	60 month
Min Deposit $25 Min Balance $10 Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Savings Rates

Product	Rate	APY
Christmas/Name Your Own Club	0.25%	0.25%
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Money Market Rates

Product	Rate	APY
Money Market	2.23%	2.25%
Min Deposit $1,000 Min Balance $1,000,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $250,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $500,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	0.90%	0.90%
Min Deposit $1,000 Min Balance $100,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Money Market	0.05%	0.05%
Min Deposit $1,000 Min Balance $0 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Checking Rates

Product	Rate	APY	View More
NOW Checking	0.05%	0.05%
Min Deposit $50 Min Balance $10 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	7.125%	-	7.125%	5 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online. Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.75% → 7.13% ▲ 0.38 pts · high 7.13% / low 6.75% Oct 1, 20267.13%▲ from 7.00% Sep 24, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Fixed Rate Home Equity	7.25%	-	7.25%	10 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online. Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88% Oct 1, 20267.25%▲ from 7.13% Sep 24, 20267.13%▲ from 6.88% Sep 15, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Fixed Rate Home Equity	7.375%	-	7.375%	20 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online. Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00% Oct 1, 20267.38%▲ from 7.25% Sep 24, 20267.25%▲ from 7.00% Sep 15, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Auto Purchases	7.375%	-	7.375%	36 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 7.25% → 7.38% ▲ 0.13 pts · high 7.38% / low 7.25% Oct 3, 20267.38%▲ from 7.25% Sep 27, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New & Used Auto Purchases	7.625%	-	7.625%	48 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 7.50% → 7.63% ▲ 0.13 pts · high 7.63% / low 7.50% Oct 3, 20267.63%▲ from 7.50% Sep 27, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
New & Used Auto Purchases	7.875%	-	7.875%	60 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 7.75% → 7.88% ▲ 0.13 pts · high 7.88% / low 7.75% Oct 3, 20267.88%▲ from 7.75% Sep 27, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Auto Purchases	8.125%	-	8.125%	36 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 8.00% → 8.13% ▲ 0.13 pts · high 8.13% / low 8.00% Oct 3, 20268.13%▲ from 8.00% Sep 27, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Auto Purchases	8.375%	-	8.375%	48 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 8.25% → 8.38% ▲ 0.13 pts · high 8.38% / low 8.25% Oct 3, 20268.38%▲ from 8.25% Sep 27, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
Used Auto Purchases	8.625%	-	8.625%	60 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00 Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 8.50% → 8.63% ▲ 0.13 pts · high 8.63% / low 8.50% Oct 3, 20268.63%▲ from 8.50% Sep 27, 20268.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

Haverhill Bank Other Rates

Product	Rate	Points	APY/APR	Term
Equity Builder Program Loan	6.625%	0	7.226%	30 Years
Details For qualified first time homebuyers only, subject to credit approval. Down payment/closing cost assistance available for owner occupied single family and 1-4 family homes, including qualified condominiums. Eligible applicants may not earn more than 80% of the area median income based on subject property address and must complete a homebuyer counseling education program administered by an agency designated by FHLB; see a Mortgage Originator for details. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value ratio greater than 80%. Maximum loan amounts apply based on conforming loan limits. Down payment/closing cost availability is not guaranteed as funds are accessed through an enrollment pool on a first-come, first-served basis. Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.84% → 7.23% ▲ 0.38 pts · high 7.23% / low 6.84% Oct 3, 20267.23%▲ from 7.10% Sep 24, 20267.10%▲ from 6.84% Sep 15, 20266.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
GOLD Account	0.05%	-	0.05%
Min Deposit $50 Min Balance $10 Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%
GOLD Account	0.15%	-	0.21%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000.01 and over. Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.02%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Haverhill Bank’s Texas Ratio stayed near 0.84% in Q3 2023 to 1.02% 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	$637M	1.02%	5.0	A+
March 31, 2026	$638M	1.26%	5.0	A+
December 31, 2025	$636M	1.27%	5.0	A+
September 30, 2025	$638M	0.55%	5.0	A+
June 30, 2025	$621M	0.17%	5.0	A+
March 31, 2025	$621M	0.53%	5.0	A+
December 31, 2024	$616M	0.54%	5.0	A+
September 30, 2024	$610M	0.64%	5.0	A+
June 30, 2024	$601M	0.49%	5.0	A+
March 31, 2024	$594M	0.42%	5.0	A+
December 31, 2023	$592M	0.49%	5.0	A+
September 30, 2023	$578M	0.84%	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 Haverhill 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 Haverhill 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 Haverhill Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Haverhill Bank

Bank Holding Company HB HOLDINGS MHC

Address 180 Merrimack St, Haverhill, MA 01830 · Essex

Website https://www.haverhillbank.com

FDIC Certificate # 26411

Established 18770101

FDIC Insurance Date 19851024

Domestic Offices 7

Total Branches 7

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

1.02%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5254%

Return on Equity (ROE) 15.7400%

Non-Performing Loans (NPL) 0.10%

Total Assets $636,836,000

Total Deposits $507,639,000

Equity Capital $64,726,000

Net Income $4,859,000

Headquarters Haverhill

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Haverhill Bank earned the Verified Healthy badge

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Frequently Asked Questions About Haverhill Bank

How many branches does Haverhill Bank operate?

Haverhill Bank currently maintains approximately 7 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, Haverhill 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, Haverhill Bank provides members with tools to manage their accounts and build a solid financial history.

Does Haverhill Bank offer online and mobile banking?

Most modern institutions like Haverhill 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.haverhillbank.com.