What are the current interest rates at Norway Savings Bank?

Current rates for Norway Savings Bank include: 12-Month CD: 0.20%, 18-Month CD: 0.25%, 24-Month CD: 0.25%, 36-Month CD: 0.50%, 48-Month CD: 0.65%, 60-Month CD: 0.95%, Savings: 0.01%, MMA: 0.03%

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Norway Savings Bank

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Norway Savings Bank Rates & Review September 2026

Q: How many branches does Norway Savings Bank operate?

Norway Savings Bank currently maintains approximately 25 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, Norway 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, Norway 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

Norway Savings Bank's 5 Years 5 Year Premium CDs / IRAs rates are at 1.11%, 5 Years 5 Year Basic CDs/IRAs rates are at 0.95%, 4 Years 4 Year Premium CDs / IRAs rates are at 0.70%, 4 Years 4 Year Basic CDs/IRAs rates are at 0.65%, 3 Years 3 Year Premium CDs / IRAs rates are at 0.60%. Norway Savings Bank's savings rates are at 0.01%. Norway Savings Bank's money market rates are at 0.03%. MonitorBankRates evaluates the financial stability of Norway Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.77%. Rates last updated and verified on 09/19/2026.

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

1.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Norway Savings Bank

261 Main St
Norway, ME 04268

https://www.norwaysavings.bank

Norway Savings Bank CD Rates

Product	Rate	APY	Term
5 Year Premium CDs / IRAs	1.10%	1.11%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
5 Year Basic CDs/IRAs	0.95%	0.95%	5 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
4 Year Premium CDs / IRAs	0.70%	0.70%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
4 Year Basic CDs/IRAs	0.65%	0.65%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
3 Year Premium CDs / IRAs	0.60%	0.60%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
3 Year Basic CDs/IRAs	0.50%	0.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
2 Year Premium CDs / IRAs	0.40%	0.40%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
2 Year Basic CDs/IRAs	0.30%	0.30%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
1 1/2 Years Premium CDs / IRAs	0.30%	0.30%	1 1/2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
1 Year Premium CDs / IRAs	0.25%	0.25%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
18 Month Basic CDs/IRAs	0.25%	0.25%	18 Months Variable
Min Deposit $500 Min Balance $500 Details IRA Only Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
1 1/2 Years Basic CDs/IRAs	0.25%	0.25%	1 1/2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
1 Year Basic CDs/IRAs	0.20%	0.20%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Norway Savings Bank Savings Rates

Product	Rate	APY
Business inBusiness Money Market Savings	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Solutions	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.12%	0.12%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Premium Savings	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Solutions	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Premium Savings	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Solutions	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.07%	0.07%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Premium Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
IRA Savings	0.05%	0.05%
Min Deposit $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Solutions	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Basic Savings: Statement, Go>2 or Holiday/Passbook	0.03%	0.03%
Min Deposit $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Premium Savings	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.03%	0.03%
Min Balance $2,500 Details Balance: $2,500 - $4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Health Savings Account	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Savings Solutions	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0.01 - $ 2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Norway Savings Bank Money Market Rates

Product	Rate	APY
Business inBusiness Money Market Savings	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market Accounts	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market Accounts	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market Accounts	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market Accounts	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Money Market Accounts	0.03%	0.03%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Business inBusiness Money Market Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0.01 - $ 2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

Norway Savings Bank Checking Rates

Product	Rate	APY
Full Solutions Checking	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 to $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Flexible Solutions Checking	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Flexible Solutions Checking	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Full Solutions Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 & more Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Flexible Solutions Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%
Flexible Solutions Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.77%

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

Norway Savings Bank’s Texas Ratio rose from 0.74% in Q3 2023 to 1.77% 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	$2.2B	1.77%	5.0	A+
March 31, 2026	$2.1B	1.44%	5.0	A+
December 31, 2025	$2.1B	4.03%	5.0	A+
September 30, 2025	$2.1B	3.18%	5.0	A+
June 30, 2025	$2.1B	4.26%	5.0	A+
March 31, 2025	$2.0B	4.63%	5.0	A+
December 31, 2024	$2.0B	4.39%	5.0	A+
September 30, 2024	$2.0B	4.09%	5.0	A+
June 30, 2024	$1.9B	5.13%	5.0	A+
March 31, 2024	$1.9B	4.63%	5.0	A+
December 31, 2023	$1.9B	4.22%	5.0	A+
September 30, 2023	$1.9B	0.74%	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 Norway 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 Norway 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 Norway Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Norway Savings Bank

Bank Holding Company NORWAY BCORP MHC

Address 261 Main St, Norway, ME 04268 · Oxford

Website https://www.norwaysavings.bank

FDIC Certificate # 17658

Established 18660101

FDIC Insurance Date 19560727

Domestic Offices 25

Total Branches 25

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

1.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2768%

Return on Equity (ROE) 10.2400%

Non-Performing Loans (NPL) 0.22%

Total Assets $2,155,525,000

Total Deposits $1,573,957,000

Equity Capital $268,710,000

Net Income $13,446,000

Headquarters Norway

Total Branches and Offices 25

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Norway Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Norway Savings Bank

How many branches does Norway Savings Bank operate?

Norway Savings Bank currently maintains approximately 25 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, Norway 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, Norway Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Norway Savings Bank offer online and mobile banking?

Most modern institutions like Norway 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.norwaysavings.bank.