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MountainOne Bank Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

MountainOne Bank's 48-Months IRA Certificate - 48-Month rates are at 2.50%, 18-Months IRA Certificate - 18-Month rates are at 2.25%, 36-Months IRA Certificate - 36-Month rates are at 2.25%, 24-Months IRA Certificate - 24-Month rates are at 2.00%, 12-Months IRA Certificate - 12-Month rates are at 1.25%. MountainOne Bank's money market rates are at 0.45%. MonitorBankRates evaluates the financial stability of MountainOne Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.85%. Rates last updated and verified on 09/20/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 97/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.85%
Excellent Lower than avg
Health Trend ?
Worsening 12 quarters
Full history ›
MountainOne Bank
93 Main St
North Adams, MA 01247
https://www.mountainone.com
Member FDIC

MountainOne Bank CD Rates

Product Rate APY Term View More
IRA Certificate - 48 month - 2.50% 48 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 18 month - 2.25% 18 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 36 month - 2.25% 36 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 24 month - 2.00% 24 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 12 month - 1.25% 12 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 6 month - 1.10% 6 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
IRA Certificate - 3 month - 1.00% 3 Months
Min Deposit $1,000
Min Balance $10
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%

MountainOne Bank Money Market Rates

Product Rate APY View More
VISTA Business Money Market - 1.25%
Min Deposit $100
Min Balance $100,000
Details Balance: $100,000 - $249,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
VISTA Business Money Market - 1.25%
Min Deposit $100
Min Balance $250,000
Details Balance: $250,000 and above
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 1.15%
Min Deposit $250
Min Balance $100,000
Details Balance: $100,000 - $249,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 1.15%
Min Deposit $250
Min Balance $250,000
Details Balance: $250,000 and above
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
VISTA Business Money Market - 1.00%
Min Deposit $100
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 0.95%
Min Deposit $250
Min Balance $50,000
Details Balance: $50,000 - $99,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
VISTA Business Money Market - 0.70%
Min Deposit $100
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 0.65%
Min Deposit $250
Min Balance $25,000
Details Balance: $25,000 - $49,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
VISTA Business Money Market - 0.60%
Min Deposit $100
Min Balance $5,000
Details Balance: $5000 - $24,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 0.55%
Min Deposit $250
Min Balance $5,000
Details Balance: $5000 - $24,999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
VISTA Business Money Market - 0.50%
Min Deposit $100
Min Balance $1
Details Balance: $1 - $4999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
Pinnacle Business Money Market - 0.45%
Min Deposit $250
Min Balance $1
Details Balance: $1 - $4999
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 5.85%
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

MountainOne Bank’s Texas Ratio rose from 1.26% in Q3 2023 to 5.85% in Q2 2026, so its financial health has weakened 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.

0% 1.0★ 2% 2.0★ 3.9% 3.0★ 5.9% 4.0★ 7.9% 5.0★ Healthy zone – entire history below the 15% limit 1.26% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 5.85% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.1B5.85%5.0A+
March 31, 2026$1.1B2.24%5.0A+
December 31, 2025$1.1B1.34%5.0A+
September 30, 2025$1.0B1.37%5.0A+
June 30, 2025$1.0B1.52%5.0A+
March 31, 2025$998M1.47%5.0A+
December 31, 2024$983M1.17%5.0A+
September 30, 2024$985M1.48%5.0A+
June 30, 2024$982M1.31%5.0A+
March 31, 2024$1.0B1.60%5.0A+
December 31, 2023$995M1.37%5.0A+
September 30, 2023$979M1.26%5.0A+
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 MountainOne 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 MountainOne 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 MountainOne Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name MountainOne Bank
Bank Holding Company MOUNTAINONE FINANCIAL MHC
Address 93 Main St, North Adams, MA 01247  ·  Berkshire
Website https://www.mountainone.com
FDIC Certificate # 90253
Established 18480101
FDIC Insurance Date 19850719
Domestic Offices 6
Total Branches 6
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 97/100
5.0
Exceptional Out of 5.0 Stars
5.85%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.2162%
Return on Equity (ROE) 7.7300%
Non-Performing Loans (NPL) 0.82%
Total Assets $1,082,351,000
Total Deposits $774,309,000
Equity Capital $170,877,000
Net Income $6,488,000
Headquarters North Adams
Total Branches and Offices 6
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

MountainOne Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/mountainone-bank-rates-review-90253">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for MountainOne Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About MountainOne Bank

How many branches does MountainOne Bank operate?

MountainOne 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, MountainOne 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, MountainOne Bank provides members with tools to manage their accounts and build a solid financial history.

Does MountainOne Bank offer online and mobile banking?

Most modern institutions like MountainOne 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.mountainone.com.

Current MountainOne Bank Rates

  • 12-Month CD1.25%
  • 18-Month CD2.25%
  • 24-Month CD2.00%
  • 36-Month CD2.25%
  • 48-Month CD2.50%
  • MMA0.45%
Retrieved from our database of financial products. Rates subject to change.

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