What are the current interest rates at Piscataqua Savings Bank?

Current rates for Piscataqua Savings Bank include: 12-Month CD: 3.41%, 24-Month CD: 2.50%, 36-Month CD: 4.60%, 60-Month CD: 3.41%, Savings: 3.56%, MMA: 3.05%

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Piscataqua Savings Bank Rates & Review October 2026

Q: How many branches does Piscataqua Savings Bank operate?

Piscataqua Savings Bank currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Piscataqua 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: October 14, 2026

Piscataqua Savings Bank's top rates as of October 14, 2026 are 4.76% APY on its 5 years 5 Year CD, 3.56% APY on savings, 3.05% APY on money market accounts, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Piscataqua Savings Bank CD rates include 3 years 3 Year CD at 4.60%, 2 years 2 Year CD at 4.45%, and 1 1/2 years 1 1/2 Year CD at 4.24%. MonitorBankRates evaluates the financial stability of Piscataqua Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Piscataqua Savings Bank

15 Pleasant St
Portsmouth, NH 03801

https://www.piscataqua.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.

Piscataqua Savings Bank CD Rates

Product	Rate	APY	Term
5 Year CD	4.65%	4.76%	5 years
Min Deposit $500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.76% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Year CD	4.50%	4.60%	3 years
Min Deposit $500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply; IRA available Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year CD	4.35%	4.45%	2 years
Min Deposit $500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 1/2 Year CD	4.15%	4.24%	1 1/2 years
Min Deposit $500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.24% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year CD	3.35%	3.41%	1 year
Min Deposit $500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.41% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids' Bank Variable Rate 5 Year CD	3.35%	3.41%	5 years
Min Deposit $250 Min Balance $0 Details Variable rate; rate and APY may change after account opening; Minimum balance to earn APY: $0.01 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.41% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month CD	2.96%	3.00%	6 months
Min Deposit $2,500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
91 Day CD	2.96%	3.00%	91 days
Min Deposit $2,500 Min Balance $0 Details Minimum balance to earn APY: $0.01; Early withdrawal penalty may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 1/2 Year Variable IRA	2.47%	2.50%	1 1/2 Year
Min Deposit $10 Min Balance $0 Details IRA; Interest rate and APY may change after account opening; a penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Piscataqua Savings Bank Savings Rates

Product	Rate	APY
Kids' Bank Savings Account	3.50%	3.56%
Min Deposit $0 Min Balance $0 Details Balance: up to $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.56% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids' Bank Savings Account	0.50%	0.53%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.53% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Health Savings Account	0.30%	0.30%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Christmas/Vacation Clubs	0.25%	0.25%
Min Deposit $1 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Passbook/ Statement Savings	0.25%	0.25%
Min Deposit $10 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Health Savings Account	0.20%	0.20%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Health Savings Account	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: up to $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Piscataqua Savings Bank Money Market Rates

Product	Rate	APY
Money Market Accounts	3.00%	3.05%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	2.50%	2.53%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 2.53% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	2.25%	2.28%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 2.02% → 2.28% ▲ 0.26 pts · high 2.28% / low 2.02% Oct 3, 20262.28%▲ from 2.02% Sep 7, 20262.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	2.00%	2.02%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 1.77% → 2.02% ▲ 0.25 pts · high 2.02% / low 1.77% Oct 3, 20262.02%▲ from 1.77% Sep 7, 20261.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Piscataqua Savings Bank Checking Rates

Product	Rate	APY	View More
Checking Account	0.05%	0.05%
Min Deposit $100 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

Piscataqua Savings Bank’s Texas Ratio fell from 2.73% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now 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	$373M	0.00%	5.0	A+
March 31, 2026	$381M	0.00%	5.0	A+
December 31, 2025	$383M	0.00%	5.0	A+
September 30, 2025	$377M	0.05%	5.0	A+
June 30, 2025	$367M	0.05%	5.0	A+
March 31, 2025	$363M	2.36%	5.0	A+
December 31, 2024	$362M	2.82%	5.0	A+
September 30, 2024	$367M	2.47%	5.0	A+
June 30, 2024	$365M	2.68%	5.0	A+
March 31, 2024	$344M	2.70%	5.0	A+
December 31, 2023	$351M	0.43%	5.0	A+
September 30, 2023	$360M	2.73%	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 Piscataqua 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 Piscataqua 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 Piscataqua Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Piscataqua Savings Bank

FDIC Certificate # 17443

Address 15 Pleasant St, Portsmouth, NH 03801 · Rockingham

Website https://www.piscataqua.com

Established 18770101

FDIC Insurance Date 19550701

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3765%

Return on Equity (ROE) 3.4500%

Non-Performing Loans (NPL) 0.00%

Total Assets $373,351,000

Total Deposits $298,081,000

Equity Capital $41,268,000

Net Income $714,000

Headquarters Portsmouth

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Piscataqua Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Piscataqua Savings Bank

How many branches does Piscataqua Savings Bank operate?

Piscataqua Savings Bank currently maintains approximately 1 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, Piscataqua 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, Piscataqua Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Piscataqua Savings Bank offer online and mobile banking?

Most modern institutions like Piscataqua 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.piscataqua.com.