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 Hometown Bank Oxford, MA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 6, 2026
Hometown Bank Oxford, MA's CD 19-Month rates are at 4.05%, CD 15-Month rates are at 3.95%, CD 11-Month rates are at 3.90%, CD 7-Month rates are at 3.85%, CD 12-Month rates are at 2.65%. Hometown Bank Oxford, MA's savings rates are at 0.05%. Hometown Bank Oxford, MA's money market rates are at 0.30%. Hometown Bank Oxford, MA's checking rates are as high as 0.20%. Hometown Bank Oxford, MA's top CD rate of 4.05% APY on a 19 month CD is 38% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B health rating. MonitorBankRates evaluates the financial stability of Hometown Bank Oxford, MA with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.49%. Rates last updated and verified on 11/06/2026. Hometown Bank Oxford, MA 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 Hometown Bank Oxford, MA? Share your experience about Hometown Bank Oxford, MA by leaving a review below, or read customer reviews before you decide to use Hometown Bank Oxford, MA. 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. Hometown Bank Oxford, MA CD Rates
Hometown Bank Oxford, MA Savings Rates
Hometown Bank Oxford, MA Money Market Rates
Hometown Bank Oxford, MA Checking Rates
Financial Health HistoryHometown Bank Oxford, MA’s Texas Ratio rose from 3.05% in Q3 2023 to 21.49% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A+ to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Hometown Bank Oxford, MA 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 Hometown Bank Oxford, MA 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 Hometown Bank Oxford, MA's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Hometown Bank Oxford, MA
Website
https://www.bankhometown.com
Address
31 Sutton Ave,
Oxford, MA 01540 · Worcester
Bank Holding Company
HOMETOWN FINANCIAL GROUP MHC
FDIC Certificate #
26523
Regulator
FED
Established
January 1, 1889
FDIC Insurance Date
February 3, 1986
Domestic Offices
15
Total Branches
15
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.5 / 5.0 ★
Overall Health & Safety Grade
B (84/100)
Texas Ratio
21.49%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6495%
Return on Equity (ROE)
5.5000%
Non-Performing Loans Ratio (NPL)
2.20%
Total Assets
$1,599,494,000
Total Deposits
$1,364,883,000
Equity Capital
$189,195,000
Net Income
$5,183,000
Headquarters
Oxford
Total Branches and Offices
15
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Hometown Bank Oxford, MA
Frequently Asked Questions About Hometown Bank Oxford, MADoes Hometown Bank Oxford, MA offer CDs?Yes. Hometown Bank Oxford, MA current CD rates include its CD 19-Month at 4.05% APY, its CD 15-Month at 3.95% APY and its CD 11-Month at 3.90% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from Hometown Bank Oxford, MA FDIC insured?Yes. Hometown Bank Oxford, MA 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 Hometown Bank Oxford, MA?The highest Hometown Bank Oxford, MA CD rate is its Certificate of Deposit 19-Month at 4.05% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does Hometown Bank Oxford, MA offer?Hometown Bank Oxford, MA CD rates are 3.85% APY for a 7 month CD, 3.90% APY for an 11 month CD, 2.65% APY for a 12 month CD, 3.95% APY for a 15 month CD, 2.65% APY for an 18 month CD, 4.05% APY for a 19 month CD, 2.50% APY for a 2 year CD, 2.45% APY for a 3 year CD, 2.40% APY for a 4 year CD and 2.30% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Hometown Bank Oxford, MA for its full lineup. What is the highest savings rate at Hometown Bank Oxford, MA?The highest Hometown Bank Oxford, MA savings rate is its Get Real Savings at 0.05% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at Hometown Bank Oxford, MA?The highest Hometown Bank Oxford, MA money market rate is its Get More Tiered Money Market at 0.30% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at Hometown Bank Oxford, MA?The highest Hometown Bank Oxford, MA checking rate is its Get More Checking at 0.20% APY, verified by MonitorBankRates as of November 6, 2026. How many branches does Hometown Bank Oxford, MA operate?Hometown Bank Oxford, MA currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Hometown Bank Oxford, MA 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, Hometown Bank Oxford, MA provides members with tools to manage their accounts and build a solid financial history. Does Hometown Bank Oxford, MA offer online and mobile banking?Most modern institutions like Hometown Bank Oxford, MA 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.bankhometown.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 Hometown Bank Oxford, MA rates compare?Hometown Bank Oxford, MA's top CD rate of 4.05% APY on a 19 month CD is 38% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has a B health rating. Hometown Bank Oxford, MA's top rates are its 19-Months Certificate of Deposit 19-Month at 4.05% APY, its Get Real Savings at 0.05% APY, its Get More Tiered Money Market at 0.30% APY and its Get More Checking at 0.20% APY, verified by MonitorBankRates on November 6, 2026. Current Hometown Bank Oxford, MA Rates
Retrieved from our database of financial products. Rates subject to change.
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