What are the current interest rates at Middlesex Savings Bank?

Current rates for Middlesex Savings Bank include: 12-Month CD: 3.30%, 18-Month CD: 3.15%, 24-Month CD: 3.25%, 36-Month CD: 3.25%, 48-Month CD: 3.25%, 60-Month CD: 3.25%

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Middlesex Savings Bank

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Middlesex Savings Bank Rates & Review March 2026

Q: How many branches does Middlesex Savings Bank operate?

Middlesex Savings Bank currently maintains approximately 35 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, Middlesex Savings 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, Middlesex Savings 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: March 28, 2026

Middlesex Savings Bank's Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 12-Month rates are at 3.40%, Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 3-Month rates are at 3.40%, Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 6-Month rates are at 3.40%, 3-Month Certificate of Deposit rates are at 3.30%, 12-Months Adjustable Rate Retirement Certificate of Deposit (IRA CD) 12-Month rates are at 3.30%. MonitorBankRates evaluates the financial stability of Middlesex Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.61%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.61%

Excellent Lower than avg

Middlesex Savings Bank

6 Main St
Natick, MA 01760

https://www.middlesexbank.com

Middlesex Savings Bank CD Rates

Product	Rate	APY	Term
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 12 month	3.35%	3.40%	12
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 3 month	3.35%	3.40%	3
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 6 month	3.35%	3.40%	6
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
3 Month Certificate of Deposit	-	3.30%	3 Month
Details *Annual Percentage Yield Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Adjustable Rate Retirement Certificate of Deposit (IRA CD) 12 month	3.25%	3.30%	12 Months
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
3 month Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD)	3.25%	3.30%	3 Months
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 18 month	3.20%	3.25%	18
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 24 month	3.20%	3.25%	24
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 36 month	3.20%	3.25%	36
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 48 month	3.20%	3.25%	48
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD) 60 month	3.20%	3.25%	60
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
18 month Certificates of Deposit (CD) and Fixed Rate Retirement Certificates of Deposit (IRA CD)	3.11%	3.15%	18 Months
No additional details. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%

Middlesex Savings Bank Checking Rates

Product	Rate	APY
Business NOW Checking	0.01%	0.01%
Min Balance $10 Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
NOW Checking	0.01%	0.01%
Min Balance $10 Details Product is No Longer Offered Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%

Middlesex Savings Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	3.50%
Details Variable rate of Prime minus 0.50%; $50 annual fee applies. Fee is waived with a Freedom Gold® Checking or Freedom Platinum® Checking account. Early termination fee of $400 will be charged if the home equity line of credit is closed within the first 24 months. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%
Home Equity Line of Credit (HELOC)	-	-	3.50%
Details The Annual Percentage Rate (APR) is a variable rate of Prime minus 0.50% as published in the Wall Street Journal at the beginning of each monthly billing cycle, subject to a minimum rate of 3.50%. As of 12/11/2025, the Prime Rate was 6.75%. The maximum APR is 18%. $50 annual fee applies. Fee is waived with a Freedom Gold® Checking or Freedom Platinum® Checking account. Early termination fee of $400 will be charged if the home equity line of credit is closed within the first 24 months. Property insurance required. Owner occupancy required. See a tax advisor regarding deductibility of interest on loans. Others terms and conditions apply. Rates subject to change at any time and are quoted assuming an 80% loan-to-value. Last Updated 03/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.61%

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 Middlesex Savings 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 Middlesex Savings 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 Middlesex Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Middlesex Savings Bank

Bank Holding Company MIDDLESEX BCORP MHC

Address 6 Main St, Natick, MA 01760 · Middlesex

Website https://www.middlesexbank.com

FDIC Certificate # 90183

Established 03/05/1835

FDIC Insurance Date 11/08/1985

Domestic Offices 35

Total Branches 35

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3507%

Return on Equity (ROE) 3.5500%

Non-Performing Loans (NPL) 0.06%

Total Assets $6,156,507,000

Total Deposits $5,225,319,000

Equity Capital $791,412,000

Net Income $33,277,000

Headquarters Natick

Total Offices 35

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Middlesex Savings Bank

Is Middlesex Savings Bank a safe place to deposit money?

Yes, Middlesex Savings Bank is considered a safe financial institution. With a Texas Ratio of 0.60766280792409%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Middlesex Savings Bank operate?

Middlesex Savings Bank currently maintains approximately 35 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, Middlesex Savings 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, Middlesex Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Middlesex Savings Bank offer online and mobile banking?

Most modern institutions like Middlesex Savings 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.middlesexbank.com.