What are the current interest rates at Merrimack County SB?

Current rates for Merrimack County SB include: 12-Month CD: 3.25%, 18-Month CD: 2.75%, 24-Month CD: 2.50%, 36-Month CD: 1.25%, 48-Month CD: 0.50%, 60-Month CD: 0.50%, Savings: 0.10%, MMA: 0.15%

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Merrimack County SB Rates & Review May 2026

Q: How many branches does Merrimack County SB operate?

Merrimack County SB currently maintains approximately 9 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, Merrimack County SB 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, Merrimack County SB 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: May 5, 2026

Merrimack County SB's 6-Month Add-On rates are at 3.60%, 9-Month rates are at 3.40%, 1 Year rates are at 3.25%, 1 1/2 Year (18-Month) rates are at 2.75%, 2 Year rates are at 2.50%. Merrimack County SB's savings rates are at 0.10%. Merrimack County SB's money market rates are at 0.15%. Merrimack County SB's Personal Loan Rates are at 12.13%. MonitorBankRates evaluates the financial stability of Merrimack County SB with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.07%. Rates were last updated on 05/05/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.07%

Excellent Higher than avg

Merrimack County SB

89 N Main St
Concord, NH 03301

http://www.mcsbnh.com

Merrimack County SB CD Rates

Product	Rate	APY
6 Month Add-On	3.54%	3.60%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
9 Month	3.35%	3.40%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
1 Year	3.20%	3.25%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
1 1/2 Year (18 Month)	2.72%	2.75%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
2 Year	2.47%	2.50%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
3 Year	1.24%	1.25%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
4 Year	0.50%	0.50%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
5 Year Bump-Up	0.50%	0.50%
Min Balance $500 Details ($500.00 minimum to open) Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%

Merrimack County SB Savings Rates

Product	Rate	APY
Health Savings Account	0.35%	0.35%
Min Balance $25,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Health Savings Account	0.25%	0.25%
Min Balance $10,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Youth Savings	0.25%	0.25%
Min Balance $1 Details $1.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Savings	0.20%	0.20%
Min Balance $25,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Health Savings Account	0.20%	0.20%
Min Balance $2,500 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Savings	0.15%	0.15%
Min Balance $10,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Savings	0.10%	0.10%
Min Balance $100 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Goal-Setter Savings/GOALS	0.10%	0.10%
Min Balance $2 Details $2.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%

Merrimack County SB Money Market Rates

Product	Rate	APY
Premier Money Market	0.45%	0.45%
Min Balance $250,000 Details $25,000.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Premier Money Market	0.35%	0.35%
Min Balance $100,000 Details $25,000.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Money Market	0.30%	0.30%
Min Balance $250,000 Details $500.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Money Market	0.25%	0.25%
Min Balance $100,000 Details $500.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Premier Money Market	0.25%	0.25%
Min Balance $50,000 Details $25,000.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Money Market	0.20%	0.20%
Min Balance $25,000 Details $500.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Premier Money Market	0.20%	0.20%
Min Balance $25,000 Details $25,000.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Everyday Money Market	0.15%	0.15%
Min Balance $1,000 Details $500.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%

Merrimack County SB Checking Rates

Product	Rate	APY
Premier Checking	0.05%	0.05%
Min Balance $50,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Premier Checking	0.03%	0.03%
Min Balance $25,000 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Premier Checking	0.02%	0.02%
Min Balance $500 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Better Checking	0.01%	0.01%
Min Balance $100 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%
Senior Checking	0.01%	0.01%
Min Balance $100 Details $10.00 minimum to open Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%

Merrimack County SB Personal Loan Rates

Product	Rate	APR	View More
Personal Unsecured	11.50%	12.13%
No additional details. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.07%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Merrimack County SB 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 Merrimack County SB 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 Merrimack County SB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Merrimack County SB

Bank Holding Company NEW HAMPSHIRE MUTUAL BCORP

Address 89 N Main St, Concord, NH 03301 · Merrimack

Website https://www.themerrimack.com/

FDIC Certificate # 17960

Established 01/01/1867

FDIC Insurance Date 01/22/1959

Domestic Offices 9

Total Branches 9

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.07%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4150%

Return on Equity (ROE) 5.2200%

Non-Performing Loans (NPL) 0.62%

Total Assets $1,384,369,000

Total Deposits $1,135,223,000

Equity Capital $123,150,000

Net Income $3,657,000

Headquarters Concord

Total Offices 9

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Merrimack County SB

How many branches does Merrimack County SB operate?

Merrimack County SB currently maintains approximately 9 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, Merrimack County SB 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, Merrimack County SB provides members with tools to manage their accounts and build a solid financial history.

Does Merrimack County SB offer online and mobile banking?

Most modern institutions like Merrimack County SB 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.themerrimack.com/.