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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 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
OneLocal Bank's 17-Month CD rates are at 4.25%, 22-Month CD rates are at 4.25%, Featured CD - 17-Month rates are at 4.25%, Featured CD - 22-Month rates are at 4.25%, 13-Month CD rates are at 4.20%. OneLocal Bank's savings rates are at 0.10%. OneLocal Bank's money market rates are at 3.50%. OneLocal Bank's checking rates are as high as 0.10%. OneLocal Bank's Personal Loan Rates are as low as 13.00%. OneLocal Bank's top CD rate of 4.25% APY on a 17 month CD is 44% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A+ health rating. 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 11/07/2026. 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. 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
OneLocal Bank Savings Rates
OneLocal Bank Money Market Rates
OneLocal Bank Checking Rates
OneLocal Bank Auto Loan Rates
OneLocal Bank Personal Loan Rates
Financial Health HistoryOneLocal 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
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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 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
Bank Name
OneLocal Bank
Website
https://www.norwoodbank.com
Address
11 Central St,
Norwood, MA 02062 · Norfolk
Bank Holding Company
1889 BCORP MHC
FDIC Certificate #
26555
Regulator
FDIC
Established
January 1, 1889
FDIC Insurance Date
February 13, 1986
Domestic Offices
4
Total Branches
4
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.33%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.9863%
Return on Equity (ROE)
7.1800%
Non-Performing Loans Ratio (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 June 30, 2026
Customer Reviews
There are no reviews for OneLocal 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 OneLocal Bank
Frequently Asked Questions About OneLocal BankDoes OneLocal Bank offer CDs?Yes. OneLocal Bank current CD rates include its 17-Month CD at 4.25% APY, its 22-Month CD at 4.25% APY and its Featured CD - 17-Month at 4.25% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from OneLocal Bank FDIC insured?Yes. OneLocal 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 OneLocal Bank?The highest OneLocal Bank CD rate is its 17-Month Certificate of Deposit at 4.25% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does OneLocal Bank offer?OneLocal Bank CD rates are 0.75% APY for a 12 month CD, 4.20% APY for a 13 month CD, 4.25% APY for a 17 month CD, 0.30% APY for an 18 month CD, 4.25% APY for a 22 month CD, 1.26% APY for a 2 year CD, 1.50% APY for a 3 year CD, 1.50% APY for a 4 year CD and 1.75% 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 OneLocal Bank for its full lineup. What is the highest savings rate at OneLocal Bank?The highest OneLocal Bank savings rate is its Statement Savings and iBoundless Savings at 0.10% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at OneLocal Bank?The highest OneLocal Bank money market rate is its High Yield Money Market & iYield Money Market Account at 3.50% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest checking rate at OneLocal Bank?The highest OneLocal Bank checking rate is its Advantage Checking Personal Account, Advantage Checking Non-Personal Account at 0.10% APY, verified by MonitorBankRates as of November 7, 2026. What is the lowest auto loan rate at OneLocal Bank?The lowest OneLocal Bank auto loan rate is its New Auto Loan - 24 months at 12.50% APR, verified by MonitorBankRates as of November 7, 2026. OneLocal Bank auto loan rates are 12.50% APR for a 24 month auto loan, 12.50% APR for a 36 month auto loan, 12.50% APR for a 48 month auto loan and 12.50% APR for a 60 month auto loan. What is the lowest personal loan rate at OneLocal Bank?The lowest OneLocal Bank personal loan rate is its Personal Installment Loans - 12 months at 13.00% APR, verified by MonitorBankRates as of November 7, 2026. OneLocal Bank personal loan rates are 13.00% APR for a 12 month personal loan, 13.00% APR for a 24 month personal loan and 13.00% APR for a 36 month personal loan. 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. 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 OneLocal Bank rates compare?OneLocal Bank's top CD rate of 4.25% APY on a 17 month CD is 44% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A+ health rating. OneLocal Bank's top rates are its 17-Months 17-Month Certificate of Deposit at 4.25% APY, its Statement Savings and iBoundless Savings at 0.10% APY, its High Yield Money Market & iYield Money Market Account at 3.50% APY, its Advantage Checking Personal Account, Advantage Checking Non-Personal Account at 0.10% APY and its Personal Installment Loans - 12 months at 13.00% APR, verified by MonitorBankRates on November 7, 2026. Current OneLocal Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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