What are the current interest rates at Institution for Savings?

Current rates for Institution for Savings include: 12-Month CD: 0.25%, 18-Month CD: 2.25%, 24-Month CD: 2.25%, 36-Month CD: 2.25%, 48-Month CD: 2.25%, 60-Month CD: 2.25%, Savings: 0.25%, MMA: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Institution for Savings

iAdvertiser Disclosure

Institution for Savings Rates & Review September 2026

Q: How many branches does Institution for Savings operate?

Institution for Savings currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Institution for Savings 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: September 19, 2026

Institution for Savings's 24-Month Term Deposit Certificate rates are at 4.25%, 30-Month Certificate of Deposit rates are at 4.25%, 7-Month Certificate of Deposit rates are at 4.00%, 7-Month Term Deposit Certificate rates are at 4.00%, 10-Month Term Deposit Certificate rates are at 2.25%. Institution for Savings's savings rates are at 0.25%. Institution for Savings's money market rates are at 0.10%. Institution for Savings's 10 Year Fixed rates are at 4.88%, 10 Year Fixed rates are at 5.12%, First-Time/Affordable Homebuyer Loan - 30 Year Fixed rates are at 5.50%, 15 Year Fixed rates are at 5.38%, 15 Year Fixed rates are at 5.62%. MonitorBankRates evaluates the financial stability of Institution for Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.22%. Rates last updated and verified on 09/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Institution for Savings in Newburyport and Its Vicinity

93 State St
Newburyport, MA 01950

https://www.institutionforsavings.com

Institution for Savings CD Rates

Product	Rate	APY	Term
24 Month Term Deposit Certificate	4.16%	4.25%	24 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 month Certificate of Deposit	-	4.25%	30 month
Details Rates are subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
7 month Certificate of Deposit	-	4.00%	7 month
Details Rates are subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
7 Month Term Deposit Certificate	3.92%	4.00%	7 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
10 Month Term Deposit Certificate	2.23%	2.25%	10 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
12 Month Certificate of Deposit	-	2.25%	12 Month
Details Rates are subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
12 Month Term Deposit Certificate	2.23%	2.25%	12 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
13 Month Term Deposit Certificate	2.23%	2.25%	13 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
14 Month Term Deposit Certificate	2.23%	2.25%	14 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
15 Month Term Deposit Certificate	2.23%	2.25%	15 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
16 Month Term Deposit Certificate	2.23%	2.25%	16 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
18 Month Term Deposit Certificate	2.23%	2.25%	18 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20 month Certificate of Deposit	-	2.25%	20 month
Details Rates are subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20 Month Term Deposit Certificate	2.23%	2.25%	20 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
23 Month Term Deposit Certificate	2.23%	2.25%	23 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
24 Month Certificate of Deposit	-	2.25%	24 month
Details Rates are subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
3 Month Term Deposit Certificate	2.23%	2.25%	3 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Month Term Deposit Certificate	2.23%	2.25%	30 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
36 Month Term Deposit Certificate	2.23%	2.25%	36 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
40 Month Term Deposit Certificate	2.23%	2.25%	40 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
48 Month Term Deposit Certificate	2.23%	2.25%	48 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
6 Month Term Deposit Certificate	2.23%	2.25%	6 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
60 Month Term Deposit Certificate	2.23%	2.25%	60 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
9 Month Term Deposit Certificate	2.23%	2.25%	9 Month
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
11 Month Term Deposit Certificate	0.50%	0.50%	11 Month*
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
11 Month Term Deposit Certificate	0.25%	0.25%	11 Month
Min Deposit $500 Min Balance $0 Details Term: 11 Month Penalty Free* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Savings Rates

Product	Rate	APY
Gold Online Savings	3.44%	3.50%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $500,000 (plus interest paid) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Savings Account	-	3.50%
Min Balance $100,000 Details This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Savings	1.78%	1.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: Balances $25,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Savings	1.78%	1.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: Balances $25,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold Online Savings	0.50%	0.50%
Min Balance $0 Details Balance: less than $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Savings Account	-	0.50%
Min Balance $0 Details This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: Balances $10,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Preferred Savings	0.40%	0.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: Balances $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Preferred Savings	0.40%	0.40%
Min Deposit $50,000 Min Balance $50,000 Details Balances $50,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Savings	0.25%	0.25%
Min Deposit $25,000 Min Balance $0 Details Balance: Balances less than $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Statement Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: less than $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Savings	0.25%	0.25%
Min Deposit $25,000 Min Balance $0 Details Balance: Balances less than $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Preferred Savings	0.25%	0.25%
Min Deposit $50,000 Min Balance $0 Details Balances less than $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Statement Savings	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: Balances less than $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Money Market Rates

Product	Rate	APY
Business Sapphire Money Market	3.20%	3.25%
Min Deposit $2,000,000 Min Balance $2,000 Details Balance: $2,000,000-$4,000,000 (plus interest paid) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Sapphire Money Market	3.20%	3.25%
Min Balance $2,000 Details Balance: $2,000,000-$4,000,000 (plus interest paid) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Gold Money Market	2.96%	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balances $250,000-$1,000,000 (plus interest paid) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Money Market Accounts	-	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balances $250,000 to $1,000,000; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 to $1,000,000 earn 3.00% APY; balances less than $250,000 earn 1.50% APY. Funds over $1,000,000, excluding interest paid, will be returned to account owners. All accounts must be opened in person and are limited to one account per primary account owner. Fees may reduce earnings. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold Money Market	2.96%	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balance: Balances $250,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Money Market Accounts	-	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balances $250,000 and above; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 and above earn 3.00% APY; balances less than $250,000 earn 1.50% APY. All accounts must be opened in person. Fees may reduce earnings. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $1,000,000 Details Balance: $1,000,000-$1,999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $2,000,000 Details Balance: $2,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $1,000,000 Details Balance: Balances $1,000,000-$1,999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $2,000 Details Balance: Balances $2,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.83%	1.85%
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.83%	1.85%
Min Deposit $500,000 Min Balance $500,000 Details Balance: Balances $500,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sapphire Money Market	1.49%	1.50%
Min Deposit $2,000,000 Min Balance $0 Details Balance: less than $2,000,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold Money Market	1.49%	1.50%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Sapphire Money Market	1.49%	1.50%
Min Balance $0 Details Balance: less than $2,000,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.50%	0.50%
Min Deposit $250,000 Min Balance $1,000,000 Details Balances $1,000,000 and above; Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.50%	0.50%
Min Deposit $250,000 Min Balance $1,000 Details Balances $1,000,000 and above; Balance: $1,000,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.40%	0.40%
Min Deposit $250,000 Min Balance $500,000 Details Balances $500,000-$999,999.99; Balance: $500,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.40%	0.40%
Min Deposit $250,000 Min Balance $500,000 Details Balances $500,000-$999,999.99; Balance: $500,000-$999,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.30%	0.30%
Min Deposit $250,000 Min Balance $250,000 Details Balances $250,000-$499,999.99; Balance: $250,000-$499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.30%	0.30%
Min Deposit $250,000 Min Balance $250,000 Details Balances $250,000-$499,999.99; Balance: $250,000-$499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Super Money Market	0.25%	0.25%
Min Deposit $150,000 Min Balance $250,000 Details Balance: $250,000 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Super Money Market	0.25%	0.25%
Min Deposit $150,000 Min Balance $250,000 Details Balance: Balances $250,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Super Money Market	0.15%	0.15%
Min Deposit $150,000 Min Balance $150,000 Details Balance: $150,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market - Balances less than	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details $250,000; Balance: less than $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: Balances $100,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Money Market Accounts	-	0.15%
Min Deposit $150,000 Min Balance $150,000 Details Balances $100,000 and above; Rates are variable and subject to change at any time without notice. A minimum balance of $150,000 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $10 million. Fees may reduce earnings. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Super Money Market	0.15%	0.15%
Min Deposit $150,000 Min Balance $150,000 Details Balance: Balances $150,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market - Balances less than	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details $250,000; Balance: less than $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $100,000 Details Balances $100,000 and above; Balance: $100,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Super Money Market	0.10%	0.10%
Min Deposit $150,000 Min Balance $0 Details Balance: less than $150,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: Balances $2,500-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: Balances $50,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Super Money Market	0.10%	0.10%
Min Deposit $150,000 Min Balance $150,000 Details Balance: Balances $150,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Balances $1,000-$49,999.99; Balance: $1,000-$49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balances $50,000-$99,999.99; Balance: $50,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional Money Market - Balances less than	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details $1,000; Balance: less than $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Checking Rates

Product	Rate	APY
18/65 Checking	0.25%	0.25%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Collegiate Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Collegiate Checking	-	0.25%
Min Deposit $10 Min Balance $1 Details Available to students ages 17 to 24 entering or enrolled in college. $25 Bonus!* Up to $25 per month in foreign ATM fees may be reimbursed**. Go green with free E-Statements. This is a variable rate account and the customer must maintain a minimum balance of $1.00 in the account to obtain the Annual Percentage Yield (APY); interest rate and APY may change at any time after account is opened. To open an account you must be 17 to 24 years of age and entering or enrolled in a college degree program. May be required to validate student status and provide college name and expected graduation date at the time of account opening. Account is limited to one per student. After customer turns 25, account reverts to a No-Fee Checking Account. Customer agrees to enroll in and accept Electronic Statements for this account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Personal Bonus Checking	0.25%	0.25%
Min Deposit $10 Min Balance $500 Details Balance: Qualifying Balances of $50,000 or less Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Personal Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Simple Business NOW Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Personal Bonus Checking	0.10%	0.10%
Min Deposit $10 Min Balance $0 Details Balance: Funds In Excess of $50,000 and Non-Qualifying Balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed	4.88%	1	5.29%	10 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
10 Year Fixed	5.13%	0	5.32%	10 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	5.50%	0	5.55%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
15 Year Fixed	5.38%	2	5.82%	15 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
15 Year Fixed	5.63%	1	5.92%	15 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
15 Year Fixed	5.88%	0	6.01%	15 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20 Year Fixed	5.88%	1	6.11%	20 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Year Fixed	5.88%	2	6.15%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20 Year Fixed	6.13%	0	6.23%	20 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Year Fixed	6.13%	1	6.30%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
5/1 ARM	5.50%	0.000	6.41%
Details NO POINTS* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Year Fixed	6.38%	0.50	6.51%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Year Fixed	6.50%	0	6.58%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 5 Year	6.00%	-	6.13%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 10 Year	6.25%	-	6.32%	10 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 15 Year	7.50%	-	7.55%	15 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 20 Year	7.75%	-	7.79%	20 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Other Rates

Product	Rate	Points	APY/APR
Business Sweep Account	0.25%	-	0.25%
Min Balance $0 Details Balance $0.00 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sweep Account	0.25%	-	0.25%
Min Balance $100,000 Details Balance $100,000 to $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sweep Account	0.35%	-	0.35%
Min Balance $250,000 Details Balance $250,000 to $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sweep Account	0.50%	-	0.50%
Min Balance $500,000 Details Balance $500,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

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

Institution for Savings’s Texas Ratio stayed near 0.11% in Q3 2023 to 0.22% 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	$5.6B	0.22%	5.0	A+
March 31, 2026	$5.4B	0.12%	5.0	A+
December 31, 2025	$5.4B	0.12%	5.0	A+
September 30, 2025	$5.4B	0.08%	5.0	A+
June 30, 2025	$5.4B	0.15%	5.0	A+
March 31, 2025	$5.3B	0.12%	5.0	A+
December 31, 2024	$5.3B	0.18%	5.0	A+
September 30, 2024	$5.2B	0.21%	5.0	A+
June 30, 2024	$5.2B	0.20%	5.0	A+
March 31, 2024	$5.1B	0.09%	5.0	A+
December 31, 2023	$5.0B	0.10%	5.0	A+
September 30, 2023	$5.0B	0.11%	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 Institution for Savings 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 Institution for Savings 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 Institution for Savings's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Institution for Savings

Bank Holding Company IFS 1820 BCORP MHC

Address 93 State St, Newburyport, MA 01950 · Essex

Website https://www.institutionforsavings.com

FDIC Certificate # 90250

Established 18200101

FDIC Insurance Date 19850813

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.22%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0518%

Return on Equity (ROE) 8.4600%

Non-Performing Loans (NPL) 0.03%

Total Assets $5,564,409,000

Total Deposits $3,366,877,000

Equity Capital $694,578,000

Net Income $28,649,000

Headquarters Newburyport

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Institution for Savings earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/institution-for-savings-in-newburyport-and-its-vicinity-rates-review-90250">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Institution for Savings yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Institution for Savings

Frequently Asked Questions About Institution for Savings

How many branches does Institution for Savings operate?

Institution for Savings currently maintains approximately 13 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, Institution for Savings 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, Institution for Savings provides members with tools to manage their accounts and build a solid financial history.

Does Institution for Savings offer online and mobile banking?

Most modern institutions like Institution for Savings 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.institutionforsavings.com.

Current Institution for Savings Rates

12-Month CD0.25%
18-Month CD2.25%
24-Month CD2.25%
36-Month CD2.25%
48-Month CD2.25%
60-Month CD2.25%
Savings0.25%
MMA0.10%

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

Compare to Other Banks

Community Bank and Trust Company FNB of Nevada, Missouri Marion State Bank Marion, LA Farmers and Drovers Bank Great Plains State Bank Touchmark Bank Bank of Crocker Clarkson Bank Hickory Point B&T American Commercial Bank & Trust BankWest, Inc. Redstone Bank Core Bank Spur Security Bank Guardian SB West Chester, OH Caldwell Bank & Trust Company Bread Financial Community State Bank Bradley, AR Corebank UNB Bank Home Savings Bank Salt Lake City, UT