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Institution for Savings

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Institution for Savings Rates & Review November 2026

Q: What are the current interest rates at Institution for Savings?

Current rates for Institution for Savings include: 12-Month CD: 2.25%, 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: 3.50%, MMA: 3.25%

Q: What CD terms does Institution for Savings offer?

Institution for Savings CD rates are 4.10% APY for a 7 month CD, 2.25% APY for a 10 month CD, 2.25% APY for a 12 month CD, 4.50% APY for a 15 month CD, 2.25% APY for an 18 month CD, 2.25% APY for a 2 year CD, 4.40% APY for a 30 month CD, 2.25% APY for a 3 year CD, 2.25% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Institution for Savings for its full lineup.

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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Institution for Savings's 15-Month CD rates are at 4.50%, 30-Month CD rates are at 4.40%, 7-Month CD rates are at 4.10%, 10-Month CD rates are at 2.25%, 12-Month CD rates are at 2.25%. Institution for Savings's savings rates are at 3.50%. Institution for Savings's money market rates are at 3.25%. Institution for Savings's checking rates are as high as 0.25%. Institution for Savings's Fixed Rate Mortgages - 10 Year Fixed rates are at 5.25%, First-Time/Affordable Homebuyer Loan - 30 Year Fixed rates are at 5.625%, 15-Year Fixed Rate Residential Mortgage rates are at 6.00%, Fixed Rate Mortgages - 15 Year Fixed rates are at 6.00%, Fixed Rate Mortgages - 20 Year Fixed rates are at 6.25%. Institution for Savings's top CD rate of 4.50% APY on a 15 month CD is 51% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. 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 11/05/2026.

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

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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.

Institution for Savings CD Rates

Product	Rate	APY	Term	Min. Deposit
15-Month CD	4.40%	4.50%	15 Month	$500
Min Deposit $500 Min Balance $0 Details Maximum deposit of $250,000 per primary account owner Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30-Month CD	4.31%	4.40%	30 Month	$500
Min Deposit $500 Min Balance $0 Details Maximum deposit of $250,000 per primary account owner Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
7-Month CD	4.02%	4.10%	7 Month	$500
Min Deposit $500 Min Balance $0 Details Maximum deposit of $250,000 per primary account owner Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
10-Month CD	2.23%	2.25%	10 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
12-Month CD	2.23%	2.25%	12 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
13-Month CD	2.23%	2.25%	13 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
14-Month CD	2.23%	2.25%	14 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
16-Month CD	2.23%	2.25%	16 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
18-Month CD	2.23%	2.25%	18 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20-Month CD	2.23%	2.25%	20 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
23-Month CD	2.23%	2.25%	23 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
24-Month CD	2.23%	2.25%	24 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
3-Month CD	2.23%	2.25%	3 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
36-Month CD	2.23%	2.25%	36 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
40-Month CD	2.23%	2.25%	40 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
48-Month CD	2.23%	2.25%	48 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
6-Month CD	2.23%	2.25%	6 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
60-Month CD	2.23%	2.25%	60 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
9-Month CD	2.23%	2.25%	9 Month	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.25% APY · checked 6 times 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); Maximum balance allowed is $500,000 plus interest paid; Online Only; New money only Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 13 times 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; A minimum balance of $25,000 is required to open and avoid a $10 monthly service charge; APY denotes Annual Percentage Yield Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.80% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold Online Savings	0.50%	0.50%
Min Deposit $100,000 Min Balance $0 Details Balance: Balances less than $100,000; Online Only; New money only Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times 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: $10,000.00 and above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times 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 Balance: Balances $50,000 and above; A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 13 times 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; A minimum balance of $25,000 is required to open and avoid a $10 monthly service charge; APY denotes Annual Percentage Yield Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times 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 Balance: Balances less than $50,000; A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times 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 Details A minimum balance of $10.00 is required to open and avoid a $1 monthly service charge. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times 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: Less than $10,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Savings Rates

Product	Rate	APY
Business Diamond Savings	1.78%	1.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and above; Minimum balance to earn APY: $25,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.80% APY · checked 12 times 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: Balances $10,000 and above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 12 times 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: Less than $25,000; Minimum balance to earn APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Preferred Savings	0.25%	0.25%
Min Deposit $50,000 Min Balance $0 Details Balance: Balances less than $50,000 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 11 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times 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: Balances less than $10,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Money Market Rates

Product	Rate	APY
Sapphire Money Market	3.20%	3.25%
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000-$4,000,000 (plus interest paid); Maximum balance allowed is $4,000,000 plus interest paid; Open In Person Only; Available to individuals and businesses Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 7 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 12 times 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: $1,000,000-$1,999,999.99; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 13 times 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: $2,000,000 and above; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 7 times 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: $500,000-$999,999.99; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.85% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.49%	1.50%
Min Deposit $500,000 Min Balance $0 Details Balance: less than $500,000; Fees may reduce earnings Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 10 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Sapphire Money Market	1.49%	1.50%
Min Deposit $2,000,000 Min Balance $0 Details Balance: less than $2,000,000; Maximum balance allowed is $4,000,000 plus interest paid; Open In Person Only; Available to individuals and businesses Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 13 times 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 $1,000,000 Details Balance: Balances $1,000,000 and above Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 7 times 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 Balance: Balances $500,000-$999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 13 times 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 Balance: Balances $250,000-$499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 12 times 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 Balance: $100,000.00 and above; Minimum balance to earn APY: $100,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times 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 $0 Details Balance: less than $1,000; Minimum balance to earn APY: $0.01 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 11 times 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 Balance: $50,000.00 - $99,999.99; Minimum balance to earn APY: $50,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Money Market Rates

Product	Rate	APY
Business Money Market	-	3.25%
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000 - $4,000,000; Maximum balance $4,000,000 plus interest paid; Must be opened in person Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sapphire Money Market	3.20%	3.25%
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: Balances $2,000,000-$4,000,000 (plus interest paid); Source minimum balance to earn APY printed as $2,000.000.00; Maximum balance allowed is $4,000,000 plus interest paid; In-Person Only Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 7 times 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 Balance: Balances $250,000-$1,000,000 (plus interest paid); Opened in person Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Money Market	-	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 - $1,000,000; Maximum balance $1,000,000 plus interest paid; Funds over $1,000,000 returned to account owners; Must be opened in person Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 3.00% APY · checked 4 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 13 times 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 Details Balance: $2,000,000 and above Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 12 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 1.85% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.49%	1.50%
Min Deposit $500,000 Min Balance $0 Details Balance: Balances less than $500,000 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Gold Money Market	1.49%	1.50%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000; Opened in person Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 11 times 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: Balances less than $2,000,000; Maximum balance allowed is $4,000,000 plus interest paid; In-Person Only Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 12 times 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 Balance: $1,000,000 and above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times 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 Balance: $500,000-$999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 12 times 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 Balance: $250,000-$499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 11 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times 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 $0 Details Balance: Balances less than $2,500 Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times 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 Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times 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 Qualifications Required; Balance: $0.00 - $50,000.00; Premium rate on daily balances up to and including $50,000; Available on personal accounts only; Variable rate account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Checking Rates

Product	Rate	APY	View More
Simple Business NOW Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgages - 10 Year Fixed	5.25%	0	5.441%	10 Year
Details Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.44% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	5.625%	0	5.671%
Details Minimum credit score 680; APR based on $550,000 purchase loan with minimum credit score 680 and maximum LTV 97%; first-time homebuyer program with minimum down payment 3%; income no greater than 120% of AMI; DTI no greater than 40%; Essex County condos or single-family primary residences only Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 5.67% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
15-Year Fixed Rate Residential Mortgage	6.00%	-	6.137%	15-Year
Details No Points; Additional Terms apply Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Mortgages - 15 Year Fixed	6.00%	0	6.137%	15 Year
Details Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.14% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Mortgages - 20 Year Fixed	6.25%	0	6.36%	20 Year
Details Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.36% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Mortgages - 30 Year Fixed	6.625%	0	6.71%	30 Year
Details Purchase and refinance loans; minimum credit score 720; 0-point option of multi-point stack Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.71% APR · checked 6 times 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%	-	6.127%	5 Year
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.13% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 10 Year	6.25%	-	6.318%	10 Year
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.32% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Line of Credit	-	-	6.50%
Details Rate: Prime Minus .50%; Minimum Line: $50,000; Minimum Draw: $0.00; Closing Costs: Borrower* Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 7, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded 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 11/05/2026 Rate History No change since Sep 15, 2026 · 7.55% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 20 Year	7.75%	-	7.791%	20 Year
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.79% APR · checked 15 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 13 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 13 times 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 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times 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.
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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

Bank Name Institution for Savings

Website https://www.institutionforsavings.com

Address 93 State St, Newburyport, MA 01950 · Essex

Bank Holding Company IFS 1820 BCORP MHC

FDIC Certificate # 90250

Regulator FDIC

Established January 1, 1820

FDIC Insurance Date August 13, 1985

Domestic Offices 13

Total Branches 13

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.22%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0518%

Return on Equity (ROE)

8.4600%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Institution for Savings earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Institution for Savings

Does Institution for Savings offer CDs?

Yes. Institution for Savings current CD rates include its 15-Month CD at 4.50% APY, its 30-Month CD at 4.40% APY and its 7-Month CD at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Institution for Savings FDIC insured?

Yes. Institution for Savings 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 Institution for Savings?

The highest Institution for Savings CD rate is its 15-Month Certificate at 4.50% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Institution for Savings offer?

Institution for Savings CD rates are 4.10% APY for a 7 month CD, 2.25% APY for a 10 month CD, 2.25% APY for a 12 month CD, 4.50% APY for a 15 month CD, 2.25% APY for an 18 month CD, 2.25% APY for a 2 year CD, 4.40% APY for a 30 month CD, 2.25% APY for a 3 year CD, 2.25% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Institution for Savings for its full lineup.

What is the highest savings rate at Institution for Savings?

The highest Institution for Savings savings rate is its Gold Online Savings at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Institution for Savings?

The highest Institution for Savings money market rate is its Business Money Market at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Institution for Savings?

The highest Institution for Savings checking rate is its 18/65 Checking at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Institution for Savings?

The lowest Institution for Savings 30 year fixed mortgage rate is its First-Time/Affordable Homebuyer Loan - 30 Year Fixed at 5.625%, verified by MonitorBankRates as of November 5, 2026. Institution for Savings mortgage rates are 5.625% for a 30 year mortgage, 6.25% for a 20 year mortgage, 6.00% for a 15 year mortgage and 5.25% for a 10 year mortgage.

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.

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 Institution for Savings rates compare?

Institution for Savings's top CD rate of 4.50% APY on a 15 month CD is 51% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Institution for Savings's top rates are its 15-Month Certificate at 4.50% APY, its Gold Online Savings at 3.50% APY, its Business Money Market at 3.25% APY, its 18/65 Checking at 0.25% APY and its Fixed Rate Mortgages - 10 Year Fixed at 5.25%, verified by MonitorBankRates on November 5, 2026.

Current Institution for Savings Rates

12-Month CD2.25%
18-Month CD2.25%
24-Month CD2.25%
36-Month CD2.25%
48-Month CD2.25%
60-Month CD2.25%
Savings3.50%
MMA3.25%

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

Compare to Other Banks

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Institution for Savings Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Institution for Savings Texas Ratio

Institution for Savings Health Trend

Institution for Savings CD Rates

Institution for Savings Savings Rates

Institution for Savings Business Savings Rates

Institution for Savings Money Market Rates

Institution for Savings Business Money Market Rates

Institution for Savings Checking Rates

Institution for Savings Business Checking Rates

Institution for Savings Mortgage Rates

Institution for Savings Home Equity & HELOC

Institution for Savings Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Institution for Savings earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Institution for Savings

Does Institution for Savings offer CDs?

Are CDs from Institution for Savings FDIC insured?

What is the highest CD rate at Institution for Savings?

What CD terms does Institution for Savings offer?

What is the highest savings rate at Institution for Savings?

What is the highest money market rate at Institution for Savings?

What is the highest checking rate at Institution for Savings?

What is the lowest 30 year fixed mortgage rate at Institution for Savings?

How many branches does Institution for Savings operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Institution for Savings offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Institution for Savings rates compare?

Current Institution for Savings Rates

Compare to Other Banks