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Saco & Biddeford Savings Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 6, 2026
Saco & Biddeford Savings's 22-Month CD rates are at 4.25%, 8-Month CD rates are at 3.85%, 18-Month CD rates are at 3.75%, 60-Month CD rates are at 3.75%, 6-Month CD rates are at 3.35%. Saco & Biddeford Savings's savings rates are at 3.55%. Saco & Biddeford Savings's money market rates are at 2.25%. Saco & Biddeford Savings's checking rates are as high as 0.25%. Saco & Biddeford Savings's Adjustable Rate Mortgage (ARM) - 3/1 Year ARM rates are at 6.50%, Adjustable Rate Mortgage (ARM) - 5/1 Year ARM rates are at 6.75%, Fixed Rate Mortgage - 30 years (servicing released) rates are at 7.00%, Fixed Rate Mortgage - 10 years (servicing retained) rates are at 7.125%, Fixed Rate Mortgage - 15 years (servicing retained) rates are at 7.25%. Saco & Biddeford Savings's Auto Loan Rates are as low as 6.522%. Saco & Biddeford Savings's top CD rate of 4.25% APY on a 22 month CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Saco & Biddeford Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.18%. Rates last updated and verified on 11/06/2026.
Saco & Biddeford Savings 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 Saco & Biddeford Savings? Share your experience about Saco & Biddeford Savings by leaving a review below, or read customer reviews before you decide to use Saco & Biddeford Savings.
Saco & Biddeford Savings has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Saco & Biddeford Savings has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.18%
ExcellentLower than avg
Saco & Biddeford Savings Texas Ratio
Saco & Biddeford Savings's Texas Ratio is 1.18%, which is considered excellent and is lower than the national average of 5.85%.
Saco & Biddeford Savings has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.27% to 1.18% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Saco & Biddeford Savings CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
22-Month CD
4.17%
4.25%
22 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Nov 1, 20264.25%▲ from 4.00%
Sep 24, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
8-Month CD
3.78%
3.85%
8 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
Nov 1, 20263.85%▲ from 3.75%
Sep 24, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
18-Month CD
3.69%
3.75%
18 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
60-Month CD
3.69%
3.75%
60 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
6-Month CD
3.30%
3.35%
6 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
12-Month CD
2.96%
3.00%
12 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
24-Month CD
2.96%
3.00%
24 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
30-Month CD
2.96%
3.00%
30 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
36-Month CD
2.86%
2.90%
36 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
42-Month CD
2.86%
2.90%
42 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
48-Month CD
2.86%
2.90%
48 Month
$500
Min Deposit$500
DetailsCertificates of Deposit; Effective as of 10/27/2026; Substantial penalty for early withdrawal; $500 minimum balance to open the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Savings Rates
Product
Rate
APY
View More
High Balance Savings
3.49%
3.55%
Min Balance$5,000,000
DetailsBalance: $5,000,000 - $9,999,999.99; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
Oct 3, 20263.55%▲ from 3.30%
Sep 24, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings
3.49%
3.55%
Min Balance$10,000,000
DetailsBalance: $10,000,000 or more; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
Oct 3, 20263.55%▲ from 3.30%
Sep 24, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings
3.35%
3.40%
Min Balance$3,000,000
DetailsBalance: $3,000,000 - $4,999,999.99; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
Oct 3, 20263.40%▲ from 3.20%
Sep 24, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings
3.15%
3.20%
Min Balance$1,500,000
DetailsBalance: $1,500,000 - $2,999,999.99; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 2.99% → 3.20% ▲ 0.21 pts · high 3.20% / low 2.99%
Oct 3, 20263.20%▲ from 2.99%
Sep 24, 20262.99%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual High Yield Savings
2.96%
3.00%
Min Balance$0
DetailsBalance: $0 - $99,999.99; Requires active Mutual Checking or Mutual Interest Checking account; Only one Mutual High Yield Savings allowed per primary customer
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings
2.67%
2.70%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - $1,499,999.99; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 2.45% → 2.70% ▲ 0.25 pts · high 2.70% / low 2.45%
Oct 3, 20262.70%▲ from 2.45%
Sep 24, 20262.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Kids' Savings Account
1.19%
1.20%
Min Balance$0
DetailsBalance: $0 to $5,000.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Kids' Savings Account
0.32%
0.32%
Min Balance$5,001
DetailsBalance: $5,001.00 or more; Annual percentage yield for this tier will range from 0.32% to 1.20% depending on the balance in the account
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.32% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings
0.10%
0.10%
Min Balance$0
DetailsBalance: $0 - $999,999.99; Fees may reduce earnings on this account.
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual High Yield Savings
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000.00 or more; Requires active Mutual Checking or Mutual Interest Checking account; Only one Mutual High Yield Savings allowed per primary customer
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Money Market Rates
Product
Rate
APY
View More
Essential Money Market
2.23%
2.25%
Min Balance$750,000
DetailsBalance: $750,000 or more
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 2.10% → 2.25% ▲ 0.15 pts · high 2.25% / low 2.10%
Oct 3, 20262.25%▲ from 2.10%
Sep 24, 20262.10%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
1.98%
2.00%
Min Balance$500,000
DetailsBalance: $500,000 - $749,999.99
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 1.85% → 2.00% ▲ 0.15 pts · high 2.00% / low 1.85%
Oct 3, 20262.00%▲ from 1.85%
Sep 24, 20261.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
1.29%
1.30%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999.99
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 1.21% → 1.30% ▲ 0.09 pts · high 1.30% / low 1.21%
Oct 3, 20261.30%▲ from 1.21%
Sep 24, 20261.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
0.95%
0.95%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 0.90% → 0.95% ▲ 0.05 pts · high 0.95% / low 0.90%
Oct 3, 20260.95%▲ from 0.90%
Sep 24, 20260.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
0.45%
0.45%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
0.25%
0.25%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market
0.10%
0.10%
Min Balance$0
DetailsBalance: $0 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Checking Rates
Product
Rate
APY
View More
Mutual Interest Checking
0.25%
0.25%
Min Balance$250,000
DetailsBalance: $250,000 or more
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking
0.20%
0.20%
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000 - $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking
0.10%
0.10%
Min Balance$2,500
DetailsBalance: $2,500 - $24,999.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $2,499.99
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Mortgage Rates
Product
Rate
Points
APR
Term
View More
Adjustable Rate Mortgage (ARM) - 3/1 Year ARM
6.50%
-
6.85%
15 years or less
DetailsExample Payment: 180 monthly payments @; Rate includes 0.25% relationship discount; Rates as of September 9, 2026; Owner-occupied primary residences only
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.85% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Adjustable Rate Mortgage (ARM) - 5/1 Year ARM
6.75%
-
6.929%
15 years or less
DetailsExample Payment: 180 monthly payments @; Rate includes 0.25% relationship discount; Rates as of September 9, 2026; Owner-occupied primary residences only
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.93% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage - 30 years (servicing released)
7.00%
-
7.083%
30 years
DetailsNo points; servicing released; Example Payment: 360 monthly payments @; rate includes 0.25% relationship discount with automatic payments from Mutual Checking or Mutual Interest Checking; payment excludes taxes, insurance, PMI and HOA fees
Last Updated11/06/2026
Rate History
1 change since Nov 1, 2026 · 7.21% → 7.08% ▼ 0.13 pts · high 7.21% / low 7.08%
Nov 6, 20267.08%▼ from 7.21%
Nov 1, 20267.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Adjustable Rate Mortgage (ARM) - 3/1 Year ARM
6.625%
-
7.165%
16 to 30 years
DetailsExample Payment: 360 monthly payments @; Rate includes 0.25% relationship discount; Rates as of September 9, 2026; Owner-occupied primary residences only
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.17% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Adjustable Rate Mortgage (ARM) - 5/1 Year ARM
6.875%
-
7.178%
16 to 30 years
DetailsExample Payment: 360 monthly payments @; Rate includes 0.25% relationship discount; Rates as of September 9, 2026; Owner-occupied primary residences only
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.18% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage - 10 years (servicing retained)
7.125%
-
7.313%
10 years
DetailsNo points; servicing retained; Example Payment: 120 monthly payments @; rate includes 0.25% relationship discount with automatic payments from Mutual Checking or Mutual Interest Checking; payment excludes taxes, insurance, PMI and HOA fees
Last Updated11/06/2026
Rate History
No change since Nov 1, 2026 · 7.31% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage - 15 years (servicing retained)
7.25%
-
7.385%
15 years
DetailsNo points; servicing retained; Example Payment: 180 monthly payments @; rate includes 0.25% relationship discount with automatic payments from Mutual Checking or Mutual Interest Checking; payment excludes taxes, insurance, PMI and HOA fees
Last Updated11/06/2026
Rate History
No change since Nov 1, 2026 · 7.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage - 20 years (servicing retained)
7.50%
-
7.612%
20 years
DetailsNo points; servicing retained; Example Payment: 240 monthly payments @; rate includes 0.25% relationship discount with automatic payments from Mutual Checking or Mutual Interest Checking; payment excludes taxes, insurance, PMI and HOA fees
Last Updated11/06/2026
Rate History
No change since Nov 1, 2026 · 7.61% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage - 30 years (servicing retained)
7.75%
-
7.839%
30 years
DetailsNo points; servicing retained; Example Payment: 360 monthly payments @; payment excludes taxes, insurance, PMI and HOA fees
Last Updated11/06/2026
Rate History
No change since Nov 1, 2026 · 7.84% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
7.25%
-
7.25%
20 years
DetailsRate adjusts monthly equal to the Prime Rate as published in the Wall Street Journal plus 0.50%; Maximum APR is 11.25%; Minimum APR is 3.95%; Pre-payment penalty of 1% of credit limit (max $1,000) if closed within 12 months of closing date
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
Oct 1, 20267.25%▲ from 7.00%
Sep 24, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Saco & Biddeford Savings Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan - New (untitled) - 3 years
5.875%
-
6.522%
3 years
DetailsVehicle: New (untitled); Rate includes 0.25% relationship discount; Example Payment: 36 monthly payments @
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.52% → 6.52% ▼ 0.00 pts · high 6.52% / low 6.52%
Nov 6, 20266.52%▼ from 6.52%
Oct 21, 20266.52%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - New (untitled) - 4 years
6.125%
-
6.62%
4 years
DetailsVehicle: New (untitled); Rate includes 0.25% relationship discount; Example Payment: 48 monthly payments @
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.62% → 6.62% ▼ 0.00 pts · high 6.62% / low 6.62%
Nov 6, 20266.62%▼ from 6.62%
Oct 21, 20266.62%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 3 years (2023-2025)
6.125%
-
6.773%
3 years
DetailsVehicle: Used; Model Year: 2023-2025; Rate includes 0.25% relationship discount; Example Payment: 36 monthly payments @
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.77% → 6.77% ▼ 0.00 pts · high 6.77% / low 6.77%
Nov 6, 20266.77%▼ from 6.77%
Oct 21, 20266.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - New (untitled) - 5 years
6.375%
-
6.779%
5 years
DetailsVehicle: New (untitled); Rate includes 0.25% relationship discount; Example Payment: 60 monthly payments @
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 6.78% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 4 years (2023-2025)
6.375%
-
6.871%
4 years
DetailsVehicle: Used; Model Year: 2023-2025; Rate includes 0.25% relationship discount; Example Payment: 48 monthly payments @
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.87% → 6.87% ▼ 0.00 pts · high 6.87% / low 6.87%
Nov 6, 20266.87%▼ from 6.87%
Oct 21, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - New (untitled) - 6 years
6.625%
-
6.968%
6 years
DetailsVehicle: New (untitled); Rate includes 0.25% relationship discount; Example Payment: 72 monthly payments @
Last Updated11/06/2026
Rate History
1 change since Oct 21, 2026 · 6.97% → 6.97% ▼ 0.00 pts · high 6.97% / low 6.97%
Nov 6, 20266.97%▼ from 6.97%
Oct 21, 20266.97%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 3 years 2022
6.375%
-
7.017%
3 years
DetailsVehicle: Used; Model Year: 2022; Rate includes 0.25% relationship discount; Example Payment: 36 monthly payments @
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.02% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 5 years (2023-2025)
6.625%
-
7.03%
5 years
DetailsVehicle: Used; Model Year: 2023-2025; Rate includes 0.25% relationship discount; Example Payment: 60 monthly payments @
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.03% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 3 years 2021
6.625%
-
7.268%
3 years
DetailsVehicle: Used; Model Year: 2021; Rate includes 0.25% relationship discount; Example Payment: 36 monthly payments @
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.27% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Auto Loan - Used - 3 years 2020
6.875%
-
7.521%
3 years
DetailsVehicle: Used; Model Year: 2020; Rate includes 0.25% relationship discount; Example Payment: 36 monthly payments @
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 7.52% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Financial Health History
Saco & Biddeford Savings’s Texas Ratio fell from 4.27% in Q3 2023 to 1.18% 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
$1.5B
1.18%
5.0
A+
March 31, 2026
$1.5B
1.19%
5.0
A+
December 31, 2025
$1.4B
0.24%
5.0
A+
September 30, 2025
$1.4B
0.23%
5.0
A+
June 30, 2025
$1.4B
0.32%
5.0
A+
March 31, 2025
$1.4B
0.60%
5.0
A+
December 31, 2024
$1.4B
0.50%
5.0
A+
September 30, 2024
$1.4B
1.28%
5.0
A+
June 30, 2024
$1.4B
3.29%
5.0
A+
March 31, 2024
$1.4B
3.03%
5.0
A+
December 31, 2023
$1.4B
1.44%
5.0
A+
September 30, 2023
$1.3B
4.27%
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 Saco & Biddeford Savings 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 Saco & Biddeford Savings 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 Saco & Biddeford Savings's official website for the most current offers and terms.
Saco & Biddeford Savings earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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0
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Frequently Asked Questions About Saco & Biddeford Savings
Does Saco & Biddeford Savings offer CDs?
Yes. Saco & Biddeford Savings current CD rates include its 22-Month CD at 4.25% APY, its 8-Month CD at 3.85% APY and its 18-Month CD at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Saco & Biddeford Savings FDIC insured?
Yes. Saco & Biddeford Savings 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 Saco & Biddeford Savings?
The highest Saco & Biddeford Savings CD rate is its 22-Month CD at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Saco & Biddeford Savings offer?
Saco & Biddeford Savings CD rates are 3.35% APY for a 6 month CD, 3.85% APY for an 8 month CD, 3.00% APY for a 12 month CD, 3.75% APY for an 18 month CD, 4.25% APY for a 22 month CD, 3.00% APY for a 2 year CD, 2.90% APY for a 3 year CD, 2.90% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Saco & Biddeford Savings for its full lineup.
What is the highest savings rate at Saco & Biddeford Savings?
The highest Saco & Biddeford Savings savings rate is its High Balance Savings at 3.55% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Saco & Biddeford Savings?
The highest Saco & Biddeford Savings money market rate is its Essential Money Market at 2.25% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Saco & Biddeford Savings?
The highest Saco & Biddeford Savings checking rate is its Mutual Interest Checking at 0.25% APY, verified by MonitorBankRates as of November 6, 2026.
What is the lowest 30 year fixed mortgage rate at Saco & Biddeford Savings?
The lowest Saco & Biddeford Savings 30 year fixed mortgage rate is its Fixed Rate Mortgage - 30 years (servicing released) at 7.00%, verified by MonitorBankRates as of November 6, 2026. Saco & Biddeford Savings mortgage rates are 7.00% for a 30 year mortgage, 7.50% for a 20 year mortgage, 7.25% for a 15 year mortgage, 7.125% for a 10 year mortgage and 6.50% for a 1 year mortgage.
What is the lowest auto loan rate at Saco & Biddeford Savings?
The lowest Saco & Biddeford Savings auto loan rate is its Auto Loan - New (untitled) - 3 years at 5.875%, verified by MonitorBankRates as of November 6, 2026. Saco & Biddeford Savings auto loan rates are 5.875% for a 36 month auto loan, 6.125% for a 48 month auto loan, 6.375% for a 60 month auto loan and 6.625% for a 72 month auto loan.
How many branches does Saco & Biddeford Savings operate?
Saco & Biddeford Savings currently maintains approximately 7 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, Saco & Biddeford Savings 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, Saco & Biddeford Savings provides members with tools to manage their accounts and build a solid financial history.
Does Saco & Biddeford Savings offer online and mobile banking?
Most modern institutions like Saco & Biddeford Savings 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.sbsavings.bank.
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 Saco & Biddeford Savings rates compare?
Saco & Biddeford Savings's top CD rate of 4.25% APY on a 22 month CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Saco & Biddeford Savings's top rates are its 22-Month CD at 4.25% APY, its High Balance Savings at 3.55% APY, its Essential Money Market at 2.25% APY, its Mutual Interest Checking at 0.25% APY, its Adjustable Rate Mortgage (ARM) - 3/1 Year ARM at 6.50% and its Auto Loan - New (untitled) - 3 years at 6.522% APR, verified by MonitorBankRates on November 6, 2026.
Current Saco & Biddeford Savings Rates
12-Month CD3.00%
18-Month CD3.75%
24-Month CD3.00%
36-Month CD2.90%
48-Month CD2.90%
60-Month CD3.75%
Savings3.55%
MMA2.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
