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MVSB Rates & Review November 2026

Q: What are the current interest rates at MVSB?

Current rates for MVSB include: 12-Month CD: 3.75%, 18-Month CD: 4.15%, 24-Month CD: 2.35%, 36-Month CD: 0.30%, 48-Month CD: 0.30%, 60-Month CD: 0.30%, Savings: 3.40%, MMA: 0.40%

Q: What CD terms does MVSB offer?

MVSB CD rates are 3.25% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.75% APY for a 12 month CD, 4.15% APY for an 18 month CD, 2.35% APY for a 2 year CD, 0.30% APY for a 3 year CD, 0.30% APY for a 4 year CD and 0.30% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with MVSB for its full lineup.

Q: What is the highest savings rate at MVSB?

The highest MVSB savings rate is its High Yield Savings at 3.40% APY, verified by MonitorBankRates as of November 7, 2026.

Q: What is the highest checking rate at MVSB?

The highest MVSB checking rate is its Premier Checking at 0.03% APY, verified by MonitorBankRates as of November 7, 2026.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

MVSB's 1 1/2 Year (18-Month) CD or IRA CD rates are at 4.15%, 9-Month CD or IRA CD rates are at 4.00%, 1 Year CD or IRA CD rates are at 3.75%, 6-Month CD or IRA CD rates are at 3.25%, 2 Year CD or IRA CD rates are at 2.35%. MVSB's savings rates are at 3.40%. MVSB's money market rates are at 0.40%. MVSB's checking rates are as high as 0.03%. MVSB's Personal Loan Rates are as low as 8.814%. MVSB's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of MVSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.52%. Rates last updated and verified on 11/07/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

MVSB

24 Nh 25
Meredith, NH 03253

https://www.mvsb.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.

MVSB CD Rates

Product	Rate	APY	Term	Min. Deposit
1 1/2-Year (18-Month) CD or IRA CD	4.07%	4.15%	18 months	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
9-Month CD or IRA CD	3.93%	4.00%	9 months	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History 1 change since Sep 24, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45% Oct 14, 20264.00%▲ from 3.45% Sep 24, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
1-Year CD or IRA CD	3.69%	3.75%	1 year	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
6-Month CD or IRA CD	3.20%	3.25%	6 months	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
2-Year CD or IRA CD	2.33%	2.35%	2 years	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 2.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
3-Year CD or IRA CD	0.30%	0.30%	3 years	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
4-Year CD or IRA CD	0.30%	0.30%	4 years	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
5-Year CD or IRA CD	0.30%	0.30%	5 years	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
90 Day CD or IRA CD	0.10%	0.10%	90 days	-
Min Balance $500 Details Also available as IRA CD Last Updated 11/07/2026 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: 3.52%
CD - 6-Month Add-on	0.10%	0.10%	6 months	$500
Min Deposit $500 Min Balance $500 Details Balance to earn stated APY: $500.00; Not available for IRA CDs; Allows 1 penalty-free withdrawal during 6 month term following initial 7 days account is open Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Savings Rates

Product	Rate	APY
High Yield Savings	3.35%	3.40%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 and over; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	2.72%	2.75%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000.00 and over; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	1.74%	1.75%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 and over; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 1.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	1.24%	1.25%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000.00 and over; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	0.50%	0.50%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 and over; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Health Savings Account	0.25%	0.25%
Min Deposit $10 Min Balance $25,000 Details Minimum balance to earn stated APY: $25,000.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Savings	0.20%	0.20%
Min Deposit $10 Min Balance $25,000 Details Minimum Balance To Earn Stated APY: $25,000.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Youth Savings	0.20%	0.20%
Min Deposit $1 Min Balance $1 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Minimum Balance To Earn Stated APY: $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Health Savings Account	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Minimum balance to earn stated APY: $10,000.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Savings	0.10%	0.10%
Min Deposit $10 Min Balance $100 Details Minimum Balance To Earn Stated APY: $100.00 Last Updated 11/07/2026 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: 3.52%
Everyday Savings	0.10%	0.10%
Min Deposit $10 Min Balance $2,500 Details Minimum Balance To Earn Stated APY: $2,500.00 Last Updated 11/07/2026 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: 3.52%
Health Savings Account	0.05%	0.05%
Min Deposit $10 Min Balance $2,500 Details Minimum balance to earn stated APY: $2,500.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Goal-Setter Savings/GOALS	0.02%	0.02%
Min Deposit $2 Min Balance $2 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Health Savings Account	0.01%	0.01%
Min Deposit $10 Min Balance $0 Details Minimum balance to earn stated APY: $0.01 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Health Savings Account	0.01%	0.01%
Min Deposit $10 Min Balance $500 Details Minimum balance to earn stated APY: $500.00 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
High Yield Savings	0.01%	0.01%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 minimum to earn stated APY; $100.00 minimum to open Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Money Market Rates

Product	Rate	APY
Premier Money Market	0.40%	0.40%
Min Deposit $25,000 Min Balance $250,000 Details Requires active and in good standing Premier Checking Account; Minimum Balance To Earn Stated APY: $250,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premier Money Market	0.30%	0.30%
Min Deposit $25,000 Min Balance $100,000 Details Requires active and in good standing Premier Checking Account; Minimum Balance To Earn Stated APY: $100,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Money Market	0.25%	0.25%
Min Deposit $500 Min Balance $250,000 Details Minimum Balance To Earn Stated APY: $250,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Money Market	0.20%	0.20%
Min Deposit $500 Min Balance $25,000 Details Minimum Balance To Earn Stated APY: $25,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Money Market	0.20%	0.20%
Min Deposit $500 Min Balance $100,000 Details Minimum Balance To Earn Stated APY: $100,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premier Money Market	0.20%	0.20%
Min Deposit $25,000 Min Balance $25,000 Details Requires active and in good standing Premier Checking Account; Minimum Balance To Earn Stated APY: $25,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premier Money Market	0.20%	0.20%
Min Deposit $25,000 Min Balance $50,000 Details Requires active and in good standing Premier Checking Account; Minimum Balance To Earn Stated APY: $50,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Money Market	0.15%	0.15%
Min Deposit $500 Min Balance $1,000 Details Minimum Balance To Earn Stated APY: $1,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Everyday Money Market	0.15%	0.15%
Min Deposit $500 Min Balance $10,000 Details Minimum Balance To Earn Stated APY: $10,000.00; Open Now Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Checking Rates

Product	Rate	APY
Premier Checking	0.03%	0.03%
Min Deposit $10 Min Balance $50,000 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premier Checking	0.02%	0.02%
Min Deposit $10 Min Balance $25,000 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Better Checking	0.01%	0.01%
Min Deposit $10 Min Balance $100 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Mutual Benefits Checking	0.01%	0.01%
Min Deposit $10 Min Balance $1,000 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Mutual Benefits Checking	0.01%	0.01%
Min Deposit $10 Min Balance $5,000 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Mutual Benefits Checking	0.01%	0.01%
Min Deposit $10 Min Balance $10,000 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Premier Checking	0.01%	0.01%
Min Deposit $10 Min Balance $500 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Senior Checking	0.01%	0.01%
Min Deposit $10 Min Balance $100 Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans, Harley Davidson Motorcycle Loans	7.50%	-	7.763%	72 months
Details Model Year: 2026 & 2025; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	7.99%	-	8.053%	84 months
Details Model Year: 2026 & 2025; Loan Amount Example: $35,000.00; Minimum Loan Amount $35,000 with 80% Max LTV for 84 month term; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.05% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	7.99%	-	8.301%	60 months
Details Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	8.25%	-	8.514%	72 months
Details Model Year: 2024 & 2023; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.51% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	8.50%	-	8.812%	60 months
Details Model Year: 2022 & 2021; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.81% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	9.25%	-	9.635%	48 months
Details Model Year: 2020 & 2019; Loan Amount Example: $10,000.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 9.64% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Auto Loans, Harley Davidson Motorcycle Loans	10.25%	-	10.924%	36 months
Details Model Year: 2018 & Older; Loan Amount Example: $7,500.00; VSI Premium of $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 10.92% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boats Loans, Campers, Motor Homes and Travel Trailers - New & Used	9.25%	9.327%	120 months
Details Loan Amount Example: $20,000.00; Monthly payment is based on example amount and maximum term; VSI Premium $40; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 9.33% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Motorcycles, Jet Skis, Snowmobiles, ATVs - New & Used Loan	9.25%	9.75%	48 months
Details Loan Amount Example: $7,500.00 Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 9.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Personal Loan Rates

Product	APR	Term
Solar Program Loan	8.814%	120 months
Details $5,000.00 - $25,000.00; Loan amount example: $25,000.00; APR includes $75 processing fee; Monthly payment is based on example amount and maximum term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 8.81% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Solar Program Loan	9.275%	180 months
Details $25,001.00-$40,000.00; Loan amount example: $40,000.00; APR includes $75 processing fee; Monthly payment is based on example amount and maximum term Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 9.28% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Personal Unsecured Loan	12.13%	60 months
Details Loan Amount Example: $5,000.00; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Sep 28, 2026 · 12.13% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

MVSB Other Rates

Product	Rate	Points	APY/APR	Term
Collateral Loans - Stock	9.00%	-	9.161%	60 months
Details Loan Amount Example: $20,000.00; Max LTV 70%; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 9.16% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Energy Loans	2.00%	-	2.00%	84 months
Details Loan amount example $15,000.00; Loan amount and terms are determined by Utility Company and stated on the Residential Energy Efficiency Loan Authorization Form Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 2.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%
Home Improvement Loan	9.25%	-	9.394%	84 months
Details Loan Amount Example: $15,000.00; Maximum term: 84 months; APR includes $75 processing fee Last Updated 11/07/2026 Rate History No change since Sep 16, 2026 · 9.39% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.52%

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

MVSB’s Texas Ratio rose from 2.34% in Q3 2023 to 3.52% 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	$1.6B	3.52%	5.0	A+
March 31, 2026	$1.6B	3.06%	5.0	A+
December 31, 2025	$1.6B	2.51%	5.0	A+
September 30, 2025	$1.6B	3.49%	5.0	A+
June 30, 2025	$1.6B	3.04%	5.0	A+
March 31, 2025	$1.6B	3.58%	5.0	A+
December 31, 2024	$1.6B	3.80%	5.0	A+
September 30, 2024	$1.6B	3.75%	5.0	A+
June 30, 2024	$1.6B	3.22%	5.0	A+
March 31, 2024	$1.7B	3.18%	5.0	A+
December 31, 2023	$1.6B	2.31%	5.0	A+
September 30, 2023	$1.6B	2.34%	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 MVSB 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 MVSB 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 MVSB's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name MVSB

Website https://www.mvsb.com

Address 24 Nh 25, Meredith, NH 03253 · Belknap

Bank Holding Company NEW HAMPSHIRE MUTUAL BCORP

FDIC Certificate # 17180

Regulator FDIC

Established January 1, 1869

FDIC Insurance Date January 28, 1953

Domestic Offices 18

Total Branches 18

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.52%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5571%

Return on Equity (ROE)

5.8300%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

$1,644,910,000

Total Deposits

$1,350,266,000

Equity Capital

$157,501,000

Net Income

$4,530,000

Headquarters

Meredith

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

MVSB earned the Verified Healthy badge

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Frequently Asked Questions About MVSB

Does MVSB offer CDs?

Yes. MVSB current CD rates include its 1 1/2 Year (18-Month) CD or IRA CD at 4.15% APY, its 9-Month CD or IRA CD at 4.00% APY and its 1 Year CD or IRA CD at 3.75% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from MVSB FDIC insured?

Yes. MVSB 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 MVSB?

The highest MVSB CD rate is its 1 1/2 Year (18-Month) CD or IRA CD at 4.15% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does MVSB offer?

MVSB CD rates are 3.25% APY for a 6 month CD, 4.00% APY for a 9 month CD, 3.75% APY for a 12 month CD, 4.15% APY for an 18 month CD, 2.35% APY for a 2 year CD, 0.30% APY for a 3 year CD, 0.30% APY for a 4 year CD and 0.30% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with MVSB for its full lineup.

What is the highest savings rate at MVSB?

The highest MVSB savings rate is its High Yield Savings at 3.40% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at MVSB?

The highest MVSB money market rate is its Premier Money Market at 0.40% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at MVSB?

The highest MVSB checking rate is its Premier Checking at 0.03% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest auto loan rate at MVSB?

The lowest MVSB auto loan rate is its Auto Loans, Harley Davidson Motorcycle Loans at 7.50%, verified by MonitorBankRates as of November 7, 2026.

What is the lowest personal loan rate at MVSB?

The lowest MVSB personal loan rate is its Personal Unsecured Loan at 11.50%, verified by MonitorBankRates as of November 7, 2026.

How many branches does MVSB operate?

MVSB currently maintains approximately 18 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, MVSB 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, MVSB provides members with tools to manage their accounts and build a solid financial history.

Does MVSB offer online and mobile banking?

Most modern institutions like MVSB 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.mvsb.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 MVSB rates compare?

MVSB's top CD rate of 4.15% APY on an 18 month CD is 41% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MVSB's top rates are its 18-Months 1 1/2 Year (18-Month) CD or IRA CD at 4.15% APY, its High Yield Savings at 3.40% APY, its Premier Money Market at 0.40% APY, its Premier Checking at 0.03% APY and its Solar Program Loan at 8.814% APR, verified by MonitorBankRates on November 7, 2026.

Current MVSB Rates

12-Month CD3.75%
18-Month CD4.15%
24-Month CD2.35%
36-Month CD0.30%
48-Month CD0.30%
60-Month CD0.30%
Savings3.40%
MMA0.40%

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

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MVSB Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

MVSB Texas Ratio

MVSB Health Trend

MVSB CD Rates

MVSB Savings Rates

MVSB Money Market Rates

MVSB Checking Rates

MVSB Auto Loan Rates

MVSB RV, Boat and Powersport Loan Rates

MVSB Personal Loan Rates

MVSB Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

MVSB earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About MVSB

Does MVSB offer CDs?

Are CDs from MVSB FDIC insured?

What is the highest CD rate at MVSB?

What CD terms does MVSB offer?

What is the highest savings rate at MVSB?

What is the highest money market rate at MVSB?

What is the highest checking rate at MVSB?

What is the lowest auto loan rate at MVSB?

What is the lowest personal loan rate at MVSB?

How many branches does MVSB operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does MVSB 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 MVSB rates compare?

Current MVSB Rates

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