|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Newburyport Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: November 7, 2026
Newburyport Bank's CD - 12-Month rates are at 3.75%, CD - 24-Month rates are at 3.75%, CD - 18-Month rates are at 3.25%, CD - 3-Month rates are at 3.25%, CD - 36-Month rates are at 3.25%. Newburyport Bank's savings rates are at 0.15%. Newburyport Bank's money market rates are at 0.50%. Newburyport Bank's checking rates are as high as 5.00%. Newburyport Bank's Personal Loan Rates are as low as 11.00%. Newburyport Bank's top CD rate of 4.35% APY on a 20 month CD is 48% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Newburyport Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.54%. Rates last updated and verified on 11/07/2026. Newburyport 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 Newburyport Bank? Share your experience about Newburyport Bank by leaving a review below, or read customer reviews before you decide to use Newburyport Bank. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Newburyport Bank CD Rates
Newburyport Bank Savings Rates
Newburyport Bank Money Market Rates
Newburyport Bank Checking Rates
Newburyport Bank Auto Loan Rates
Newburyport Bank RV, Boat and Powersport Loan Rates
Newburyport Bank Personal Loan Rates
Newburyport Bank Other Rates
Financial Health HistoryNewburyport Bank’s Texas Ratio rose from 8.70% in Q3 2023 to 16.54% 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 4.9 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)
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Newburyport 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 Newburyport 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 Newburyport Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Newburyport Bank
Website
https://www.newburyportbank.com
Address
63 State St,
Newburyport, MA 01950 · Essex
Bank Holding Company
RIVER RUN BCORP MHC
FDIC Certificate #
90251
Regulator
FDIC
Established
April 1, 1854
FDIC Insurance Date
July 1, 1985
Domestic Offices
12
Total Branches
12
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (90/100)
Texas Ratio
16.54%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.3881%
Return on Equity (ROE)
4.3600%
Non-Performing Loans Ratio (NPL)
1.38%
Total Assets
$1,573,796,000
Total Deposits
$1,257,955,000
Equity Capital
$142,733,000
Net Income
$3,064,000
Headquarters
Newburyport
Total Branches and Offices
12
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Newburyport 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.
Add Your Rating and Review for Newburyport Bank
Frequently Asked Questions About Newburyport BankDoes Newburyport Bank offer CDs?Yes. Newburyport Bank current CD rates include its CD - 12-Month at 3.75% APY, its CD - 24-Month at 3.75% APY and its CD - 18-Month at 3.25% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from Newburyport Bank FDIC insured?Yes. Newburyport Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Newburyport Bank?The highest Newburyport Bank CD rate is its 20-Month Certificate of Deposit Special at 4.35% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does Newburyport Bank offer?Newburyport Bank CD rates are 3.25% APY for a 3 month CD, 3.75% APY for a 12 month CD, 3.25% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.25% APY for a 3 year CD, 3.25% APY for a 4 year CD and 3.25% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Newburyport Bank for its full lineup. What is the highest savings rate at Newburyport Bank?The highest Newburyport Bank savings rate is its Statement Savings at 0.15% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at Newburyport Bank?The highest Newburyport Bank money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest checking rate at Newburyport Bank?The highest Newburyport Bank checking rate is its Rewards Checking at 5.00% APY, verified by MonitorBankRates as of November 7, 2026. What is the lowest auto loan rate at Newburyport Bank?The lowest Newburyport Bank auto loan rate is its New Vehicle Loan at 5.50% APR, verified by MonitorBankRates as of November 7, 2026. What is the lowest personal loan rate at Newburyport Bank?The lowest Newburyport Bank personal loan rate is its Unsecured Personal Loan at 11.00% APR, verified by MonitorBankRates as of November 7, 2026. How many branches does Newburyport Bank operate?Newburyport Bank currently maintains approximately 12 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, Newburyport 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, Newburyport Bank provides members with tools to manage their accounts and build a solid financial history. Does Newburyport Bank offer online and mobile banking?Most modern institutions like Newburyport 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.newburyportbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Newburyport Bank rates compare?Newburyport Bank's top CD rate of 4.35% APY on a 20 month CD is 48% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A- health rating. Newburyport Bank's top rates are its 20-Month Certificate of Deposit Special at 4.35% APY, its Statement Savings at 0.15% APY, its Money Market at 0.50% APY, its Rewards Checking at 5.00% APY and its Unsecured Personal Loan at 11.00% APR, verified by MonitorBankRates on November 7, 2026. Current Newburyport Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
PS Bank
Coastal Carolina National Bank
Dacotah Bank
FNB of Burleson
Bank of Wolcott
Marcus Bank
Iowa State B&T Co. of Fairfield, IA
The Corner Stone Bank
The SSB Emery, SD
Lakeside Bank
First FarmBank
FNB of Proctor
MNB Marion National Bank
Sabine State Bank and Trust Company
Wisdom Heritage Bank
Pauls Valley Bank
FNB of Eagle Lake
Jarrettsville Federal S&L
Oriental Bank
The Peoples State Bank Cherryvale, KS
Kearny Bank
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
