What are the current interest rates at Monson Savings Bank?

Current rates for Monson Savings Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.20%, 24-Month CD: 0.25%, 36-Month CD: 0.30%, 60-Month CD: 0.30%, Savings: 0.10%

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Monson Savings Bank

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Monson Savings Bank Rates & Review September 2026

Q: How many branches does Monson Savings Bank operate?

Monson Savings Bank currently maintains approximately 6 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, Monson 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, Monson 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 20, 2026

Monson Savings Bank's 30-Month Certificates of Deposit (CDs) rates are at 0.30%, 30-Month IRA Certificates rates are at 0.30%, 30-Month Roth 30-Month IRA Certificates rates are at 0.30%, 36-Month Certificates of Deposit (CDs) rates are at 0.30%, 36-Month IRA Certificates rates are at 0.30%. Monson Savings Bank's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Monson Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates last updated and verified on 09/20/2026.

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

1.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Monson Savings Bank

146 Main St
Monson, MA 01057

https://www.monsonsavings.bank

Monson Savings Bank CD Rates

Product	Rate	APY	Term
30 Month Certificates of Deposit (CDs)	0.30%	0.30%	30 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Month IRA Certificates	0.30%	0.30%	30 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
30 Month IRA Certificates	0.30%	0.30%	30 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
36 Month Certificates of Deposit (CDs)	0.30%	0.30%	36 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
36 Month IRA Certificates	0.30%	0.30%	36 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
36 Month IRA Certificates	0.30%	0.30%	36 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
42 Month Certificates of Deposit (CDs)	0.30%	0.30%	42 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
60 Month IRA Certificates	0.30%	0.30%	60 month Variable
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
IRA Certificates 60 month Variable	0.30%	0.30%	60 month Variable
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
24 Month Certificates of Deposit (CDs)	0.25%	0.25%	24 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
24 Month IRA Certificates	0.25%	0.25%	24 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
24 Month IRA Certificates	0.25%	0.25%	24 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
18 Month Certificates of Deposit (CDs)	0.20%	0.20%	18 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
18 Month IRA Certificates	0.20%	0.20%	18 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
18 Month IRA Certificates	0.20%	0.20%	18 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
12 Month Certificates of Deposit (CDs)	0.15%	0.15%	12 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
12 Month IRA Certificates	0.15%	0.15%	12 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
12 Month IRA Certificates	0.15%	0.15%	12 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month Certificates of Deposit (CDs)	0.10%	0.10%	6 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month IRA Certificates	0.10%	0.10%	6 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month IRA Certificates	0.10%	0.10%	6 month Roth
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
9 Month Certificates of Deposit (CDs)	0.10%	0.10%	9 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
9 Month IRA Certificates	0.10%	0.10%	9 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
3 Month Certificates of Deposit (CDs)	0.05%	0.05%	3 month
Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Monson Savings Bank Savings Rates

Product	Rate	APY
Business Savings Accounts	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000.00 plus Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.30%	0.30%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000.00 plus Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings Accounts	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.25%	0.25%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings Accounts	0.15%	0.15%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings Accounts	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings Accounts	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.15%	0.15%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.15%	0.15%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Business Savings Accounts	0.10%	0.10%
Min Balance $10 Details Balance: $10 - $2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $10 Details Balance: $10.00 - $2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Monson Savings Bank Checking Rates

Product	Rate	APY
MoneyMaking Checking	1.00%	1.00%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 - $25,000; Qualifications Required; is_promo: true Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
MoneyMaking Checking	0.25%	0.40%
Min Deposit $10 Min Balance $25,000 Details Qualifications Required: 12 Monson Savings Bank debit card purchases post and settle; 1 direct deposit or ACH automatic payment post and settle; enrolled in and agree to receive eStatements; When the MoneyMaking Checking qualifications are met during a monthly Qualification Cycle, 1) an interest rate of 1.00% will be paid on the portion of your daily balance that is less than or equal to $25,000 and the annual percentage yield (APY) for this tier is 1.00%. An interest rate of 0.25% will be paid on the portion of your daily balance that is greater than $25,000, resulting in an annual percentage yield for this tier ranging from 1.00% to 0.40%, depending on the account's balance and 2) nationwide ATM fees posted to your checking account during the monthly Qualification Cycle will be reimbursed and credited to the account on the last day of the monthly Statement Cycle. The MoneyMaking Checking account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled. When the MoneyMaking Checking qualifications are not met during a monthly Qualification Cycle, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05% and ATM fees are not refunded. The disclosed MoneyMaking Checking APY is based on compounding interest and on an assumed total account balance of $125,000. Qualifying transactions MUST post to and settle your account during the monthly Qualification Cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more days from the date the transaction was made to post to and settle an account. The following transactions do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card transactions processed by merchants and received by the bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. The "Statement Date" is the 3 Wednesday of the month; however, if the 3 Wednesday of the month is a non-business day (i.e., federal holiday) then the statement date will be the business day prior to the 3 Wednesday of the month. The "Qualification Cycle" means a period beginning on the Statement Date of the month and ends the business day prior to the Statement Date of the next month. The "Statement Cycle" begins the day after the Statement Date of the month and ends the day prior to the Statement Date of the next month. NSF and overdraft fees may apply. Third party internet fees may apply. Mobile banking is free but check with your carrier about fees for accessing the internet or sending/receiving text messages from your phone. Not all phones supported. ATM fee refunds may be subject to 1099 tax reporting. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
MoneyMaking Checking	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details When the MoneyMaking Checking qualifications are met during a monthly Qualification Cycle, 1) an interest rate of 1.00% will be paid on the portion of your daily balance that is less than or equal to $25,000 and the annual percentage yield (APY) for this tier is 1.00%. An interest rate of 0.25% will be paid on the portion of your daily balance that is greater than $25,000, resulting in an annual percentage yield for this tier ranging from 1.00% to 0.40%, depending on the account's balance and 2) nationwide ATM fees posted to your checking account during the monthly Qualification Cycle will be reimbursed and credited to the account on the last day of the monthly Statement Cycle. The MoneyMaking Checking account is intended to be the accountholder's primary checking account in which payroll transactions and day-to-day spending activities including but not limited to grocery, gasoline, apparel, shopping, dining, sporting, and entertainment transactions are posted and settled. When the MoneyMaking Checking qualifications are not met during a monthly Qualification Cycle, the interest rate paid on the entire balance will be 0.05% with an annual percentage yield of 0.05% and ATM fees are not refunded. The disclosed MoneyMaking Checking APY is based on compounding interest and on an assumed total account balance of $125,000. Qualifying transactions MUST post to and settle your account during the monthly Qualification Cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more days from the date the transaction was made to post to and settle an account. The following transactions do not count toward earning account rewards: ATM processed transactions, transfers between accounts, debit card transactions processed by merchants and received by the bank as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our bank. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. The "Statement Date" is the 3 Wednesday of the month; however, if the 3 Wednesday of the month is a non-business day (i.e., federal holiday) then the statement date will be the business day prior to the 3 Wednesday of the month. The "Qualification Cycle" means a period beginning on the Statement Date of the month and ends the business day prior to the Statement Date of the next month. The "Statement Cycle" begins the day after the Statement Date of the month and ends the day prior to the Statement Date of the next month. NSF and overdraft fees may apply. Third party internet fees may apply. Mobile banking is free but check with your carrier about fees for accessing the internet or sending/receiving text messages from your phone. Not all phones supported. ATM fee refunds may be subject to 1099 tax reporting. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
MoneyMaking Checking	0.05%	0.05%
Min Deposit $10 Details All balances if qualifications not met Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

Monson Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.75%	10 Year
Details Term: 10 Year Draw, 15 Year Repayment Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

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

Monson Savings Bank’s Texas Ratio stayed near 1.52% in Q3 2023 to 1.92% 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	$806M	1.92%	5.0	A+
March 31, 2026	$814M	0.85%	5.0	A+
December 31, 2025	$754M	0.67%	5.0	A+
September 30, 2025	$748M	0.82%	5.0	A+
June 30, 2025	$749M	1.15%	5.0	A+
March 31, 2025	$741M	0.91%	5.0	A+
December 31, 2024	$716M	0.93%	5.0	A+
September 30, 2024	$722M	1.12%	5.0	A+
June 30, 2024	$715M	0.60%	5.0	A+
March 31, 2024	$674M	0.71%	5.0	A+
December 31, 2023	$657M	0.76%	5.0	A+
September 30, 2023	$658M	1.52%	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 Monson 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 Monson 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 Monson Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Monson Savings Bank

Bank Holding Company MONSON FINANCIAL SERVICES MHC

Address 146 Main St, Monson, MA 01057 · Hampden

Website https://www.monsonsavings.bank

FDIC Certificate # 90245

Established 18720327

FDIC Insurance Date 19850701

Domestic Offices 6

Total Branches 6

Regulator FDIC

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

1.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9902%

Return on Equity (ROE) 10.6800%

Non-Performing Loans (NPL) 0.18%

Total Assets $806,333,000

Total Deposits $721,858,000

Equity Capital $75,681,000

Net Income $3,918,000

Headquarters Monson

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Monson Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Monson Savings Bank

How many branches does Monson Savings Bank operate?

Monson Savings Bank currently maintains approximately 6 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, Monson 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, Monson Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Monson Savings Bank offer online and mobile banking?

Most modern institutions like Monson 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.monsonsavings.bank.