What are the current interest rates at OneLocal Bank?

Current rates for OneLocal Bank include: 12-Month CD: 0.75%, 18-Month CD: 0.30%, 24-Month CD: 1.26%, 36-Month CD: 1.50%, 48-Month CD: 1.50%, 60-Month CD: 1.75%, Savings: 0.10%, MMA: 3.50%

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OneLocal Bank Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

OneLocal Bank's top rates as of October 12, 2026 are 4.10% APY on its 17-Months 17-Month Certificate of Deposit, 0.10% APY on savings, 3.50% APY on money market accounts, 0.10% APY on checking, and personal loans from 13.00% APR, according to rates verified by MonitorBankRates. Other OneLocal Bank CD rates include 22-Months 22-Month Certificate of Deposit at 4.10%, 17-Months Business Certificate of Deposit - 17-Month at 4.10%, and 22-Months Business Certificate of Deposit - 22-Month at 4.10%. MonitorBankRates evaluates the financial stability of OneLocal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates last updated and verified on 10/12/2026.

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.

Verified Healthy Q2 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

1.33%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

OneLocal Bank

11 Central St
Norwood, MA 02062

https://www.norwoodbank.com

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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.

OneLocal Bank CD Rates

Product	Rate	APY	Term
17 Month Certificate of Deposit	4.02%	4.10%	17 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
22 Month Certificate of Deposit	4.02%	4.10%	22 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 24-month term at the 24-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Featured Certificate of Deposits - 17 month	4.02%	4.10%	17 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Featured Certificate of Deposits - 22 month	4.02%	4.10%	22 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 24-month term at the 24-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
13 Month Certificate of Deposit	3.97%	4.05%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Featured Certificate of Deposits - 13 month	3.97%	4.05%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
11 Month Certificate of Deposit	3.69%	3.75%	11 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
6 Month Certificate of Deposit	3.69%	3.75%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; Visit a Branch to open Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
6 month Certificate of Deposit & IRA	3.69%	3.75%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Featured Certificate of Deposits - 11 month	3.69%	3.75%	11 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; Open Online; Renews at the 12-month term at the 12-month rate unless instructed otherwise Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Featured Certificate of Deposits - 6 month	3.69%	3.75%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; Visit a Branch to open Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
60 Month Certificate of Deposit	1.73%	1.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
60 month Certificate of Deposit & IRA	1.73%	1.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
36 Month Certificate of Deposit	1.49%	1.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
36 month Certificate of Deposit & IRA	1.49%	1.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
48 Month Certificate of Deposit	1.49%	1.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
48 month Certificate of Deposit & IRA	1.49%	1.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
24 Month Certificate of Deposit	1.25%	1.26%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
24 month Certificate of Deposit & IRA	1.25%	1.26%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 1.26% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
12 Month Certificate of Deposit	0.75%	0.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
12 month Certificate of Deposit & IRA	0.75%	0.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
18 Month Preferred CD	0.30%	0.30%	18 months
Min Deposit $500 Min Balance $500 Details Compounding: Daily; At renewal renews at the 12 month term and 12 month rate Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
7-91 Day Certificate of Deposit	0.25%	0.25%	7-91 days
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; Current term offered is 3 months Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
7-91 Days Certificate of Deposit & IRA	0.25%	0.25%	7-91 days
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; 7-91 Certificate (Current term offered is 3 months) Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Business CD Rates

Product	Rate	APY	Term
Business Certificate of Deposit - 17 month	4.02%	4.10%	17 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; renews at 12-month term at the 12-month rate Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 22 month	4.02%	4.10%	22 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; renews at 24-month term at the 24-month rate Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 13 month	3.97%	4.05%	13 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily; renews at 12-month term at the 12-month rate Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 11 month	3.69%	3.75%	11 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly; renews at 12-month term at the 12-month rate Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 6 month	3.69%	3.75%	6 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 60 month	1.73%	1.75%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 36 month	1.49%	1.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 48 month	1.49%	1.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 24 month	1.25%	1.26%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 12 month	0.75%	0.75%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Certificate of Deposit - 3 month	0.25%	0.25%	3 months
Min Deposit $2,500 Min Balance $2,500 Details Compounding: Monthly Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Savings Rates

Product	Rate	APY
Statement Savings and iBoundless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Statement Savings and iBoundless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Statement Savings and iBoundless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000- $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Statement Savings and iBoundless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: 10,000-$24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Statement Savings and iBoundless Savings	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $.01-$9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Business Savings Rates

Product	Rate	APY
Business Statement Savings	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Statement Savings	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Statement Savings	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Statement Savings	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Business Statement Savings	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $.01 - $9,999.99; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Money Market Rates

Product	Rate	APY
High Yield Money Market & iYield Money Market Account	3.44%	3.50%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000+; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Money Market & iYield Money Market Account	3.20%	3.25%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $999,999; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Money Market & iYield Money Market Account	2.96%	3.00%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Money Market & iYield Money Market Account	2.71%	2.75%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Money Market & iYield Money Market Account	2.47%	2.50%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
High Yield Money Market & iYield Money Market Account	2.47%	2.50%
Min Deposit $25 Min Balance $0 Details Balance: $.01 - $49,999; Compounding: Daily Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Checking Rates

Product	Rate	APY
Advantage Checking Personal Account, Advantage Checking Non-Personal Account	0.10%	0.10%
Min Deposit $250 Min Balance $100,000 Details Balance: $100,000+; Compounded Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Advantage Checking Personal Account, Advantage Checking Non-Personal Account	0.05%	0.05%
Min Deposit $250 Min Balance $50,000 Details Balance: $50,000-$99,999.99; Compounded Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Advantage Checking Personal Account, Advantage Checking Non-Personal Account	0.05%	0.05%
Min Deposit $250 Min Balance $25,000 Details Balance: $25,000-$49,999.99; Compounded Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Advantage Checking Personal Account, Advantage Checking Non-Personal Account	0.05%	0.05%
Min Deposit $250 Min Balance $10,000 Details Balance: $10,000-24,999.99; Compounded Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Advantage Checking Personal Account, Advantage Checking Non-Personal Account	0.05%	0.05%
Min Deposit $250 Min Balance $0 Details Balance: $.01-$9,999.99; Compounded Daily Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loans	-	-	12.50%	24 months
Details 20% down payment required for new auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
New Auto Loans	-	-	12.50%	36 months
Details 20% down payment required for new auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
New Auto Loans	-	-	12.50%	48 months
Details 20% down payment required for new auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
New Auto Loans	-	-	12.50%	60 months
Details 20% down payment required for new auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 12.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Used Auto Loans - 24 months	-	-	13.50%	24 months
Details 25% down payment required for used auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Used Auto Loans - 36 months	-	-	13.50%	36 months
Details 25% down payment required for used auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Used Auto Loans - 48 months	-	-	13.50%	48 months
Details 25% down payment required for used auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Used Auto Loans - 60 months	-	-	13.50%	60 months
Details 25% down payment required for used auto loans Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

OneLocal Bank Personal Loan Rates

Product	APR	Term
Personal Installment Loans	13.00%	12 months
Details Loan amount $1,000 to $7,500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Personal Installment Loans	13.00%	24 months
Details Loan amount $1,000 to $7,500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%
Personal Installment Loans	13.00%	36 months
Details Loan amount $1,000 to $7,500 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 13.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OneLocal Bank’s Texas Ratio rose from 0.65% in Q3 2023 to 1.33% 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	$1.1B	1.33%	5.0	A+
March 31, 2026	$1.1B	1.36%	5.0	A+
December 31, 2025	$1.0B	0.49%	5.0	A+
September 30, 2025	$1.0B	0.29%	5.0	A+
June 30, 2025	$1.0B	0.30%	5.0	A+
March 31, 2025	$974M	0.31%	5.0	A+
December 31, 2024	$966M	0.31%	5.0	A+
September 30, 2024	$946M	1.32%	5.0	A+
June 30, 2024	$923M	1.30%	5.0	A+
March 31, 2024	$906M	1.31%	5.0	A+
December 31, 2023	$926M	1.49%	5.0	A+
September 30, 2023	$934M	0.65%	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 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 18890101

FDIC Insurance Date 19860213

Domestic Offices 4

Total Branches 4

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

1.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9863%

Return on Equity (ROE) 7.1800%

Non-Performing Loans (NPL) 0.19%

Total Assets $1,051,449,000

Total Deposits $842,969,000

Equity Capital $146,173,000

Net Income $5,160,000

Headquarters Norwood

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

OneLocal Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About OneLocal Bank

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

12-Month CD0.75%
18-Month CD0.30%
24-Month CD1.26%
36-Month CD1.50%
48-Month CD1.50%
60-Month CD1.75%
Savings0.10%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

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OneLocal Bank Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

OneLocal Bank Texas Ratio

OneLocal Bank Health Trend

OneLocal Bank CD Rates

OneLocal Bank Business CD Rates

OneLocal Bank Savings Rates

OneLocal Bank Business Savings Rates

OneLocal Bank Money Market Rates

OneLocal Bank Checking Rates

OneLocal Bank Auto Loan Rates

OneLocal Bank Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

OneLocal Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About OneLocal Bank

How many branches does OneLocal Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does OneLocal Bank offer online and mobile banking?

Current OneLocal Bank Rates

Compare to Other Banks