What are the current interest rates at Millville Savings Bank?

Current rates for Millville Savings Bank include: Savings: 0.10%, MMA: 0.05%

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Millville Savings Bank

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Millville Savings Bank Rates & Review September 2026

Q: How many branches does Millville Savings Bank operate?

Millville Savings Bank currently maintains approximately 2 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, Millville 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, Millville 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 and Verified: September 19, 2026

Millville Savings Bank's Seven Year Certificate of Deposit rates are at 0.40%, Five Year Certificate of Deposit rates are at 0.30%, Four Year Certificate of Deposit rates are at 0.25%, Three Year Certificate of Deposit rates are at 0.23%, Two Year Certificate of Deposit rates are at 0.20%. Millville Savings Bank's savings rates are at 0.10%. Millville Savings Bank's money market rates are at 0.05%. Millville Savings Bank's Mortgage Loans rates are at 5.45%, Mortgage Loans rates are at 5.50%, Mortgage Loans rates are at 5.98%. MonitorBankRates evaluates the financial stability of Millville Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.50%. Rates last updated and verified on 09/19/2026.

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

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

0.50%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Millville Savings Bank

100 Albertson St
Millville, NJ 08332

https://www.millvillesavings.com

Millville Savings Bank CD Rates

Product	Rate	APY	Term
Seven Year Certificate of Deposit	0.40%	0.40%	Seven Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Five Year Certificate of Deposit	0.30%	0.30%	Five Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Four Year Certificate of Deposit	0.25%	0.25%	Four Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Three Year Certificate of Deposit	0.23%	0.23%	Three Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Two Year Certificate of Deposit	0.20%	0.20%	Two Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
One Year Certificate of Deposit	0.12%	0.12%	One Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
182 Day Certificate of Deposit	0.07%	0.07%	182 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
90 Day Certificate of Deposit	0.05%	0.05%	90 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

Millville Savings Bank Savings Rates

Product	Rate	APY
Tiered Super Savings Account	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 + Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Business Savings	0.10%	0.10%
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Statement Savings	0.10%	0.10%
Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Tiered Super Savings Account	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 to $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

Millville Savings Bank Checking Rates

Product	Rate	APY
Tiered Money Market Checking	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Tiered Money Market Checking	0.25%	0.25%
Min Balance $500,000 Details Balance: $500,000 & above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Business Checking	0.20%	0.20%
Details Interest on balances maintained for the statement period. If the balance is insufficient to offset the activity charges, the difference will be charged to the account as a service charge. Individual service charges are applied as follows: $9.00 monthly service charge. $ .12 per deposit. $ .17 per check. Copies of paid checks are returned. Free Internet banking. Free Bill Pay services. Free Bank by Phone services. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Tiered Money Market Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
NOW Checking	0.05%	0.05%
Min Balance $300 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
NOW Checking	0.05%	0.05%
Min Balance $600 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Tiered Money Market Checking	0.05%	0.05%
Min Balance $0 Details Balance: Up to $2,499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Tiered Money Market Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 to $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

Millville Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage Loans	5.45%	0	5.45%	10 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Mortgage Loans	5.45%	0	5.45%	15 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Mortgage Loans	5.50%	0	5.50%	20 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Mortgage Loans	5.98%	0	5.98%	30 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

Millville Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	5.70%	-	5.95%	5 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Home Equity Loans	6.00%	-	6.25%	10 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Home Equity Loans	6.25%	-	6.50%	15 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Home Equity Loans	6.30%	-	6.55%	7 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Home Equity Credit Line	-	0	7.00%	20 years
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%
Home Equity Loans	6.90%	-	7.15%	20 year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.50%

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

Millville Savings Bank’s Texas Ratio fell from 10.45% in Q3 2023 to 0.50% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$170M	0.50%	5.0	A+
March 31, 2026	$168M	0.51%	5.0	A+
December 31, 2025	$167M	0.51%	5.0	A+
September 30, 2025	$163M	0.97%	5.0	A+
June 30, 2025	$162M	0.57%	5.0	A+
March 31, 2025	$161M	0.24%	5.0	A+
December 31, 2024	$159M	0.76%	5.0	A+
September 30, 2024	$157M	1.10%	5.0	A+
June 30, 2024	$158M	1.26%	5.0	A+
March 31, 2024	$157M	1.35%	5.0	A+
December 31, 2023	$157M	8.48%	5.0	A
September 30, 2023	$155M	10.45%	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 Millville 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 Millville 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 Millville Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Millville Savings Bank

FDIC Certificate # 30183

Address 100 Albertson St, Millville, NJ 08332 · Cumberland

Website https://www.millvillesavings.com

Established 19411201

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 2

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

0.50%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3301%

Return on Equity (ROE) 2.8200%

Non-Performing Loans (NPL) 0.06%

Total Assets $169,906,000

Total Deposits $149,247,000

Equity Capital $19,816,000

Net Income $278,000

Headquarters Millville

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Millville Savings Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Millville Savings Bank

How many branches does Millville Savings Bank operate?

Millville Savings Bank currently maintains approximately 2 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, Millville 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, Millville Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Millville Savings Bank offer online and mobile banking?

Most modern institutions like Millville 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.millvillesavings.com.