What are the current interest rates at Mascoma Bank?

Current rates for Mascoma Bank include: 12-Month CD: 2.15%, 18-Month CD: 3.85%, 24-Month CD: 0.35%, 36-Month CD: 0.40%, 48-Month CD: 0.45%, 60-Month CD: 0.25%, Savings: 0.05%, MMA: 0.10%

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Mascoma Bank

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Mascoma Bank Rates & Review September 2026

Q: How many branches does Mascoma Bank operate?

Mascoma Bank currently maintains approximately 26 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Mascoma Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mascoma Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Mascoma Bank's 12-Months 12-Month CD/IRA Special rates are at 4.00%, 18-Months 18-Month CD/IRA Special rates are at 3.85%, 9-Months 9-Month CD Special rates are at 3.65%, 5-Months 5-Month CD Special rates are at 3.55%, 3-Months CD - 3-Month rates are at 2.50%. Mascoma Bank's savings rates are at 0.05%. Mascoma Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Mascoma Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.41%. Rates last updated and verified on 09/19/2026.

Mascoma Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mascoma Bank? Share your experience about Mascoma Bank by leaving a review below, or read customer reviews before you decide to use Mascoma Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mascoma Bank

67 N Park St
Lebanon, NH 03766

https://www.mascomabank.com

Mascoma Bank CD Rates

Product	Rate	APY	Term
12-Month CD/IRA Special	3.92%	4.00%	12 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
18-Month CD/IRA Special	3.78%	3.85%	18 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
9-Month CD Special	3.59%	3.65%	9 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
5-Month CD Special	3.49%	3.55%	5 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD - 3 month	2.47%	2.50%	3 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD - 6 month	2.37%	2.40%	6 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD - 9 month	2.27%	2.30%	9 months
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD - 1 Year RGC	2.18%	2.20%	1 year
Min Deposit $500 Min Balance $0 Details Relationship Gold Checking Account required Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 1 Year	2.13%	2.15%	1 year
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 5 Years	0.55%	0.55%	5 years
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 4 Years	0.45%	0.45%	4 years
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 3 Years	0.40%	0.40%	3 years
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 2 Years	0.35%	0.35%	2 years
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 1.5 Years	0.25%	0.25%	1.5 years
Min Deposit $500 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
IRA 1.5 Years Variable Rate	0.25%	0.25%	1.5 years
Min Deposit $25 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
CD/IRA - 7 Days	0.05%	0.05%	7 days
Min Deposit $5,000 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Mascoma Bank Savings Rates

Product	Rate	APY
Build Savings - Tier 1	3.44%	3.50%
Min Deposit $5 Min Balance $0 Details Balance: $0.01-$4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Health Savings Account	0.10%	0.10%
Min Deposit $10 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Minor Savings	0.05%	0.05%
Min Deposit $10 Min Balance $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Mascoma Bank Money Market Rates

Product	Rate	APY
ELEVATE 1 MMA - Tier 3	2.96%	3.00%
Min Deposit $0 Min Balance $500,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
ELEVATE 1 MMA - Tier 2	1.98%	2.00%
Min Deposit $0 Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
ELEVATE 1 MMA - Tier 1	0.75%	0.75%
Min Deposit $0 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Money Market Plus - Tier 4	0.30%	0.30%
Min Deposit $1,000 Min Balance $1,000,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Money Market Plus - Tier 3	0.20%	0.20%
Min Deposit $1,000 Min Balance $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Money Market Plus - Tier 2	0.15%	0.15%
Min Deposit $1,000 Min Balance $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Money Market Plus - Tier 1	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Mascoma Bank Checking Rates

Product	Rate	APY
MORE Checking - Tier 3	0.50%	0.50%
Min Deposit $10 Min Balance $0 Details Balance: $0.01-$25,000*+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
MORE Checking - Tier 1	0.01%	0.01%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 and Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

Mascoma Bank Other Rates

Product	Rate	Points	APY/APR
Relationship Gold - Tier 1	0.01%	-	0.01%
Min Deposit $10 Min Balance $1,000 Details Balance: $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%
Relationship Gold - Tier 2	0.01%	-	0.01%
Min Deposit $10 Min Balance $2,000 Details Balance: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.41%

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

Mascoma Bank’s Texas Ratio rose from 0.52% in Q3 2023 to 1.41% 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	$3.0B	1.41%	5.0	A+
March 31, 2026	$3.0B	1.03%	5.0	A+
December 31, 2025	$3.0B	0.89%	5.0	A+
September 30, 2025	$3.0B	0.64%	5.0	A+
June 30, 2025	$2.9B	0.66%	5.0	A+
March 31, 2025	$2.9B	1.11%	5.0	A+
December 31, 2024	$2.9B	1.08%	5.0	A+
September 30, 2024	$2.9B	0.72%	5.0	A+
June 30, 2024	$2.9B	0.59%	5.0	A+
March 31, 2024	$2.9B	0.62%	5.0	A+
December 31, 2023	$2.9B	0.36%	5.0	A+
September 30, 2023	$2.9B	0.52%	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 Mascoma Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Mascoma Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mascoma Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Mascoma Bank

Bank Holding Company MASCOMA MUTUAL FINL SERVICES

Address 67 N Park St, Lebanon, NH 03766 · Grafton

Website https://www.mascomabank.com

FDIC Certificate # 18013

Established 18990101

FDIC Insurance Date 19590702

Domestic Offices 26

Total Branches 26

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4965%

Return on Equity (ROE) 5.8600%

Non-Performing Loans (NPL) 0.12%

Total Assets $3,034,815,000

Total Deposits $2,617,488,000

Equity Capital $258,101,000

Net Income $7,466,000

Headquarters Lebanon

Total Branches and Offices 26

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Mascoma Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Mascoma Bank

How many branches does Mascoma Bank operate?

Mascoma Bank currently maintains approximately 26 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, Mascoma Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mascoma Bank provides members with tools to manage their accounts and build a solid financial history.

Does Mascoma Bank offer online and mobile banking?

Most modern institutions like Mascoma Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mascomabank.com.