Institution for Savings CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 2.74%, 6-month CD rates at 4.50% and 3-month CD rates at 4.56%. Current savings rates are at 0.05% and money market rates are at 4.50%. Mortgage rates today on 30-year fixed loans are around 7.19%. Credit Card rates are at 13.50%. Personal Loan rates are at 16.24%. All these rates, and more, can be found in our database of rates. Institution for Savings's 12-Month CD Special rates are at 5.25%, 36-Month CD rates are at 2.50%, 24-Month CD rates are at 2.25%, 60-Month CD rates are at 1.00%, 48-Month CD rates are at 0.75%. Institution for Savings's savings rates are at 2.05%. Institution for Savings's money market rates are at 4.50%. Institution for Savings's 5/1 ARM rates are at 6.50%, 7/1 ARM rates are at 6.75%, 30-Year Fixed rates are at 6.38%, 15-Year Fixed rates are at 5.50%.

Institution for Savings

To see how these rates compare to Institution for Savings CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Institution for Savings, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Institution for Savings CD rates. You can also compare Institution for Savings savings rates, MMA rates and mortgage rates using our other rate lists.

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

Institution for Savings Texas Ratio

Institution for Savings's Texas Ratio is at 0.18%, which is considered excellent. The Texas Ratio for Institution for Savings is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Institution for Savings is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.25%
18-Month CD
0.50%
24-Month CD
2.25%
36-Month CD
2.50%
48-Month CD
0.75%
60-Month CD
1.00%
Savings
2.05%
MMA
4.50%
30-Year Fixed
6.60%
Credit Card
N/A
Personal Loan
N/A
Institution for Savings
93 State St
Newburyport, MA 01950
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Institution for Savings CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Institution for Savings
Institution for Savings
12-Month CD Special
5.25%
$500
Institution for Savings
Institution for Savings
Sapphire Money Market
4.50%
$2,000,000
Institution for Savings
Institution for Savings
Business Sapphire Money Market
4.50%
$2,000,000
Institution for Savings
Institution for Savings
36-Month CD
2.50%
$500
Institution for Savings
Institution for Savings
24-Month CD
2.25%
$500
Institution for Savings
Institution for Savings
Diamond Savings Account
2.05%
$25,000
Institution for Savings
Institution for Savings
60-Month CD
1.00%
$500
Institution for Savings
Institution for Savings
48-Month CD
0.75%
$500
Institution for Savings
Institution for Savings
18-Month CD
0.50%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Institution for Savings Mortgage Rates

Lender
Product
Rate
APR
Points
Institution for Savings
Institution for Savings
15-Year Fixed
5.500%
5.868%
2.000
Institution for Savings
Institution for Savings
30-Year Fixed
6.375%
6.603%
2.000
Institution for Savings
Institution for Savings
7/1 ARM
6.750%
7.312%
0.000
Institution for Savings
Institution for Savings
5/1 ARM
6.500%
7.345%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Institution for Savings Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
West Union Bank
West Union Bank
7-Month CD special
5.06%
$500
F&M Union Bank
13-Month CD (special)
4.96%
$1,000
First National Bank of Orwell
First National Bank of Orwell
12-Month CD
4.85%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
24-Month CD
4.81%
$1,500
Susser Bank
Susser Bank
36-Month CD
4.30%
$1,000
Bell Bank
Bell Bank
6-Month CD
4.04%
$500
Y-12 Federal Credit Union
Y-12 Federal Credit Union
High Yield Checking (0-$15K)
4.00%
$0
Clear Lake Bank and Trust Company
Clear Lake Bank and Trust Company
36-Month CD
3.50%
$1,000
Riverside Bank of Dublin
Riverside Bank of Dublin
24-Month CD
3.50%
$500
Touchmark Bank
Touchmark Bank
36-Month CD
3.50%
$1,000
Renasant Bank
Renasant Bank
17-Month CD (special)
3.45%
$10,000
USAlliance Financial
USAlliance Financial
36-Month CD
3.40%
$500
Grove Bank
Grove Bank
Money Market
3.04%
$100,000
Bank of Rantoul
Bank of Rantoul
24-Month CD
3.03%
$500
Reliance State Bank
Reliance State Bank
18-Month CD
3.02%
$2,500
Citizens-Farmers Bank of Cole Camp
Citizens-Farmers Bank of Cole Camp
24-Month CD
3.02%
$1,000
Kanza Bank
Kanza Bank
12-Month CD
3.00%
$1,000
mph.bank, a division of Liberty Savings Bank
mph.bank, a division of Liberty Savings Bank
15-Month CD via Raisin
3.00%
$1
Bank of Hartington
Bank of Hartington
12-Month CD TCD
2.07%
$1,000
First FarmBank
First FarmBank
Explorer Savings Account
2.00%
$10
The Blue Grass Valley Bank
The Blue Grass Valley Bank
36-Month CD
1.91%
$1,000
Madison County Bank
Madison County Bank
36-Month CD
1.90%
$500
Forcht Bank
Forcht Bank
Platinum Business Money Market
1.76%
$500,000
NASA Federal Credit Union
NASA Federal Credit Union
Premier Money Market
1.75%
$10,000
Reliance State Bank
Reliance State Bank
Money Market
1.61%
$200,000
Texas National Bank of Jacksonville
Texas National Bank of Jacksonville
12-Month CD
1.50%
$500
The Bank of New Glarus
The Bank of New Glarus
48-Month CD
1.40%
$1,000
Community Bank of Oelwein
Community Bank of Oelwein
36-Month CD
1.35%
$1,000
Union Bank, Inc.
Union Bank, Inc.
Hometown Everyday Plus Checking
1.25%
$5,000
Parkway Bank and Trust Company
Parkway Bank and Trust Company
48-Month CD
1.05%
$1,000
Jones Bank
Jones Bank
12-Month CD
1.05%
$500
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
60-Month CD
0.80%
$1,000
BankGloucester
BankGloucester
48-Month CD
0.76%
$500
Institution for Savings
Institution for Savings
48-Month CD
0.75%
$500
Stryv Bank
Stryv Bank
6-Month CD
0.75%
$1,000
Wells River Savings Bank
Wells River Savings Bank
36-Month CD
0.60%
$200
Midland Federal S&L
Midland Federal S&L
12-Month CD
0.50%
$1,000
SNB St. Henry Bank
SNB St. Henry Bank
48-Month CD
0.35%
$1,000
Premier Bank
Premier Bank
60-Month CD
0.30%
$500
PeoplesBank
PeoplesBank
24-Month CD
0.20%
$1,000
Brattleboro S&L
Brattleboro S&L
Money Market
0.20%
$1,000
Washita State Bank
Washita State Bank
Traditional Savings
0.20%
$200
Hocking Valley Bank
Hocking Valley Bank
Passbook Savings
0.15%
$100
Androscoggin Savings Bank
Androscoggin Savings Bank
Preferred Checking
0.10%
$0
Bank of Prairie du Sac
Bank of Prairie du Sac
Checking Account
0.10%
$1,000
GreenLeaf Bank
GreenLeaf Bank
Personal & Christmas Savings
0.10%
$0
Murphy-Wall State B&T Co.
Murphy-Wall State B&T Co.
Money Market
0.10%
$2,500
WaFd Bank
WaFd Bank
Savings Account
0.10%
$100
Kitsap Bank
Kitsap Bank
Legends Checking
0.02%
$100
First Federal S&L of McMinnville
First Federal S&L of McMinnville
Regular Checking
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Institution for Savings Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
3/5 Conforming ARM
5.000%
6.053%
0.250
6.000%
6.056%
0.000
5.000%
6.063%
0.250
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Institution for Savings Information

Institution for Savings
93 State St
Newburyport, MA 01950
Essex
Established Date: 01/01/1820
FDIC Certificate #: 90250
Date of FDIC Deposit Insurance: 08/13/1985
Bank Holding Company: IFS 1820 BCORP MHC
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is Institution for Savings FDIC Insured? Yes
What is Institution for Savings's Cert number? 90250
What is the maximum amount for insured deposits? $250,000 per holder, per account

Institution for Savings Financials

Total Assets:
$4,920,590,000
Total Deposits:
$3,609,292,000
Equity Capital:
$547,793,000
Domestic Deposits:
$3,609,292,000
Net Income:
$14,162,000
Return on Assets:
-1.6171%
Quarterly Return on Assets:
1.1600%
Pretax Return on Assets:
1.3210%
Pretax Quarterly Return on Assets:
1.3200%
Return on Equity:
-14.2900%
Quarterly Return on Equity:
10.5300%
Common Equity Tier 1 Capital Ratio:
13.9668%
Tier 1 Risk-Based Capital Ratio:
13.9668%
Leverage Tier 1 (Core Capital) Ratio:
10.5002%
Total Risk-Based Capital Ratio (YTD):
14.3734%
Total Interest Income (YTD):
3.0057%
 
 
Headquarters:
Newburyport
FDIC Field Office:
North Boston
Regulator:
FDIC
County:
Essex
# of Offices:
15
Metropolitan Statistical Area (MSA):
Boston-Cambridge-Newton, MA-NH
Consolidated Metropolitan Statistical Area (CMSA):
Boston-Worcester-Lawrence, MA-NH-ME-CT
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Explore Other Rate Deals

Fixed mortgage rates on both conforming and jumbo mortgages declined during the first week of 2016. Average 30 year conforming rates are at 3.81 percent, down from last week's average rate of 3.900 percent. Average 30 year jumbo mortgage rates are currently at 4.39 percent, a decline from the prior week's average of 4.44 percent.

Metropolitan National Bank is offering a $200 bonus for opening a free checking account. To qualify for this promotional checking account and bonus you do have to sign up for direct deposit of either a payroll check, government benefit or pension disbursement. The direct deposit has to be in place for six months. There is no minimum deposit to open the checking account. The $200 bonus will be credited to our account 30 days after the first full direct deposit is made.

Bank or Credit Union Offers and Deals

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CD Rates Heading Lower in the Coming Months - Lock in Now
Mortgage Rates Mixed This Week: 30 Year Mortgage Rates at 5.05%, 15 Year Mortgage Rates at 4.40%
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Affinity Federal Credit Union Savings Rates at 4.00% APY

Alternative Bank and Credit Union Offers to Explore

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