Needham Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.19%, 6-month CD rates at 4.00% and 3-month CD rates at 2.28%. Current savings rates are at 0.05% and money market rates are at 0.35%. Mortgage rates today on 30-year fixed loans are around 6.68%. Credit Card rates are at 8.50%. Personal Loan rates are at 10.99%. All these rates, and more, can be found in our database of rates. Needham Bank's 6-Month CD rates are at 4.35%, 12-Month CD rates are at 4.25%, 24-Month CD rates are at 3.65%, 18-Month CD rates are at 3.65%, 36-Month CD rates are at 3.50%. Needham Bank's savings rates are at 0.05%. Needham Bank's money market rates are at 0.50%.

Needham Bank

To see how these rates compare to Needham Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Needham Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Needham Bank CD rates. You can also compare Needham Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Needham Bank Texas Ratio

Needham Bank's Texas Ratio is at 3.78%, which is considered excellent. The Texas Ratio for Needham Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Needham Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.25%
18-Month CD
3.65%
24-Month CD
3.65%
36-Month CD
3.50%
48-Month CD
3.25%
60-Month CD
3.25%
Savings
0.05%
MMA
0.50%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Needham Bank
1063 Great Plain Ave
Needham, MA 02492
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

Needham Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Needham Bank
Needham Bank
6-Month CD
4.35%
$1,000
Needham Bank
Needham Bank
12-Month CD
4.25%
$1,000
Needham Bank
Needham Bank
18-Month CD
3.65%
$1,000
Needham Bank
Needham Bank
24-Month CD
3.65%
$1,000
Needham Bank
Needham Bank
36-Month CD
3.50%
$1,000
Needham Bank
Needham Bank
48-Month CD
3.25%
$1,000
Needham Bank
Needham Bank
60-Month CD
3.25%
$1,000
Needham Bank
Needham Bank
Super Saver Money Market
0.50%
$250
Needham Bank
Needham Bank
Statement Savings
0.05%
$10
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Needham Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
IAM Federal Credit Union
IAM Federal Credit Union
24-Month CD
4.75%
$1,000
Mutual Security Credit Union
Mutual Security Credit Union
Progressive Savings
4.18%
$0
Fidelity
Fidelity
48-Month CD
4.10%
$1,000
NASA Federal Credit Union
NASA Federal Credit Union
12-Month CD
4.10%
$1,000
Mid-America Bank
Mid-America Bank
12-Month CD
4.04%
$500
United Valley Bank
United Valley Bank
6-Month CD
4.00%
$500
S&T Bank
S&T Bank
5-Month CD
3.98%
$1,000
Coastal Heritage Bank
Coastal Heritage Bank
24-Month CD
3.90%
$1,000
Lincoln FSB of Nebraska
Lincoln FSB of Nebraska
24-Month CD
3.50%
$5,000
Ally Bank
Ally Bank
Money Market
3.50%
$0
Northwest Bank
Northwest Bank
60-Month CD
3.40%
$100
CNB Hugoton, KS
CNB Hugoton, KS
24-Month CD
3.22%
$500
Chelsea Savings Bank
Chelsea Savings Bank
60-Month CD
3.13%
$20,000
Gogebic Range Bank
Gogebic Range Bank
24-Month CD
3.03%
$500
Apple Bank for Savings
Apple Bank for Savings
24-Month CD
3.00%
$1,000
Profinium, Inc.
Profinium, Inc.
60-Month CD
3.00%
$500
Security Bank USA
Security Bank USA
60-Month CD
2.98%
$500
Conway National Bank (CNB)
Conway National Bank (CNB)
60-Month CD
2.80%
$500
Avidia Bank
Avidia Bank
36-Month CD
2.53%
$1,000
First Security Bank Mackinaw, IL
First Security Bank Mackinaw, IL
30-Month CD
2.50%
$1,000
Franklin SB Franklin, NH
Franklin SB Franklin, NH
24-Month CD
2.50%
$2,000
North Star Bank
North Star Bank
48-Month CD
2.36%
$500
1st Mississippi Federal Credit Union
1st Mississippi Federal Credit Union
60-Month CD
2.27%
$500
Town & Country Bank Ravenna, NE
Town & Country Bank Ravenna, NE
6-Month CD
2.25%
$100
FNB of Raymond
FNB of Raymond
18-Month CD
2.17%
$1,000
National Bank of Blacksburg
National Bank of Blacksburg
24-Month CD
2.17%
$500
Bruning Bank
Bruning Bank
48-Month CD
2.02%
$500
Logansport Savings Bank
Logansport Savings Bank
18-Month CD
2.02%
$1,000
Campbell & Fetter Bank
Campbell & Fetter Bank
12-Month CD
2.01%
$1,000
Triad Bank, N.A.
Triad Bank, N.A.
12-Month CD (Jumbo)
2.01%
$100,000
Newtek Bank
Newtek Bank
48-Month CD
2.00%
$2,500
Institution for Savings
Institution for Savings
Diamond Savings
1.80%
$25,000
SSB Scott State Bank
SSB Scott State Bank
24-Month CD
1.20%
$1,000
First Security State Bank Evansdale, IA
First Security State Bank Evansdale, IA
60-Month CD
1.15%
$1,000
West Plains S&L
West Plains S&L
18-Month CD
1.10%
$1,000
Citizens State Bank Sheldon, IA
Citizens State Bank Sheldon, IA
12-Month CD
1.00%
$1,000
Aroostook County FS&L Assoc.
Aroostook County FS&L Assoc.
3-Month CD
0.81%
$500
Texana Bank
Texana Bank
Checking
0.75%
$100
Greenville National Bank
Greenville National Bank
60-Month CD
0.50%
$1,000
Kaw Valley Bank
Kaw Valley Bank
Advantage Plus Savings (Business)
0.45%
$2,500
Peoples Bank Taylorsville, KY
60-Month CD
0.35%
$500
The Dime Bank
The Dime Bank
Business Statement Savings
0.35%
$100
Clinton Savings Bank
Clinton Savings Bank
18-Month CD
0.25%
$10
Wolf River Community Bank
Wolf River Community Bank
Advisors Choice Money Market
0.20%
$0
Peoples Bank Taylorsville, KY
18-Month CD
0.15%
$500
Crossroads Bank Effingham, IL
Crossroads Bank Effingham, IL
Money Market
0.10%
$1,000
Commerce Bank Corinth, MS
Commerce Bank Corinth, MS
NOW Checking
0.05%
$500
First Sentinel Bank
First Sentinel Bank
Platinum Checking
0.05%
$250
Greene County Commercial Bank
Greene County Commercial Bank
Money Market
0.01%
$1
Partners Bank of New England
Savings
0.01%
$0
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates November 10, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
4.875%
5.195%
1.125
5.050%
5.243%
0.000
5.000%
5.255%
0.000
15-Year Fixed
5.250%
5.299%
0.000
5.125%
5.317%
0.250
5.250%
5.319%
0.000
5.250%
5.362%
0.000
5.125%
5.370%
1.250
5.250%
5.386%
0.000
15-Year Fixed Jumbo
5.375%
5.400%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.375%
5.476%
0.000
5.375%
5.512%
0.000
5.375%
5.525%
0.750
15-Year Fixed
5.375%
5.528%
0.623
5.375%
5.544%
0.000
5.375%
5.547%
0.500
5.500%
5.549%
0.000
5.375%
5.552%
0.500
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Needham Bank Information

Needham Bank
1063 Great Plain Ave
Needham, MA 02492
Norfolk
Established Date: 01/01/1892
FDIC Certificate #: 26483
Date of FDIC Deposit Insurance: 01/13/1986
Bank Holding Company: NB BCORP INC
How Many Domestic U.S. Offices? 12
How Many Branches are There? 12
Is Needham Bank FDIC Insured? Yes
What is Needham Bank's Cert number? 26483
What is the maximum amount for insured deposits? $250,000 per holder, per account

Needham Bank Financials

Total Assets:
$4,507,375,000
Total Deposits:
$3,777,620,000
Equity Capital:
$584,406,000
Domestic Deposits:
$3,777,620,000
Net Income:
$7,713,000
Return on Assets:
0.8030%
Quarterly Return on Assets:
0.6900%
Pretax Return on Assets:
0.9667%
Pretax Quarterly Return on Assets:
0.9700%
Return on Equity:
8.8200%
Quarterly Return on Equity:
5.3200%
Leverage Tier 1 (Core Capital) Ratio:
9.1279%
Total Interest Income (YTD):
5.7878%
 
 
Headquarters:
Needham
FDIC Field Office:
South Boston
Regulator:
FED
County:
Norfolk
# of Offices:
12
Metropolitan Statistical Area (MSA):
Boston-Cambridge-Newton, MA-NH
Consolidated Metropolitan Statistical Area (CMSA):
Boston-Worcester-Lawrence, MA-NH-ME-CT
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024

Top 10 Promotional CD Rates Listed on MonitorBankRates.com: Best CD Rate at 6.00%

Looking to grow your savings with CD rates more than 10x the national average CD rates? Here's a list of the top 10 promotional CD (Certificate of Deposit) listed in our database of promotional CD rates. You can search for and compare CD rates from banks and credit unions, we monitor all banks and credit unions to find the best rates available.

Best of the Best: Connex Credit Union at 6.00%

Connex Credit Union offers an unbeatable 6.00% APY on their 11-Month CD Special. You'll need at least $500 to open this account.

    Read more...

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