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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.
 OneLocal Bank Rates & Review April 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: April 11, 2026
OneLocal Bank's 5-Month Certificate of Deposits rates are at 4.05%, Certificate of Deposit 5-Month rates are at 4.05%, 11-Month Certificate of Deposits rates are at 3.75%, Certificate of Deposit & IRAs 6-Month rates are at 3.75%, Certificate of Deposit 11-Month rates are at 3.75%. OneLocal Bank's savings rates are at 0.10%. OneLocal Bank's money market rates are at 2.50%. MonitorBankRates evaluates the financial stability of OneLocal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.65%. Rates were last updated on 04/11/2026. OneLocal 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 OneLocal Bank? Share your experience about OneLocal Bank by leaving a review below, or read customer reviews before you decide to use OneLocal Bank. 
OneLocal Bank CD Rates
OneLocal Bank Savings Rates
OneLocal Bank Money Market Rates
OneLocal Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for OneLocal 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 OneLocal 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 OneLocal Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
OneLocal Bank
Bank Holding Company
1889 BCORP MHC
Address
11 Central St,
Norwood, MA 02062 · Norfolk
Website
https://www.norwoodbank.com
FDIC Certificate #
26555
Established
01/01/1889
FDIC Insurance Date
02/13/1986
Domestic Offices
4
Total Branches
4
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.65%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8585%
Return on Equity (ROE)
6.3900%
Non-Performing Loans (NPL)
0.08%
Total Assets
$1,031,209,000
Total Deposits
$830,956,000
Equity Capital
$141,623,000
Net Income
$9,257,000
Headquarters
Norwood
Total Offices
4
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About OneLocal BankIs OneLocal Bank a safe place to deposit money?Yes, OneLocal Bank is considered a safe financial institution. With a Texas Ratio of 0.65020801674099%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does OneLocal Bank operate?OneLocal Bank currently maintains approximately 4 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, OneLocal 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, OneLocal Bank provides members with tools to manage their accounts and build a solid financial history. Does OneLocal Bank offer online and mobile banking?Most modern institutions like OneLocal 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.norwoodbank.com. Current OneLocal Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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