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Saco & Biddeford Savings Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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: October 11, 2026

Saco & Biddeford Savings's top rates as of October 11, 2026 are 4.00% APY on its 22-Month CD, 3.55% APY on savings, 2.25% APY on money market accounts, 0.25% APY on checking, 6.50% on its 3/1 Year ARM mortgage, and auto loans from 6.523% APR, according to rates verified by MonitorBankRates. Other Saco & Biddeford Savings CD rates include 18-Month CD at 3.75%, 60-Month CD at 3.75%, and 8-Month CD at 3.75%. Other Saco & Biddeford Savings mortgage rates include 5/1 Year ARM at 6.75%, 3/1 Year ARM at 6.625%, and 5/1 Year ARM at 6.875%. 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 10/11/2026.

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.

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
1.18%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Saco & Biddeford Savings Institution
252 Main St
Saco, ME 04072
https://www.sbsavings.bank
MemberFDIC
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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.

Saco & Biddeford Savings CD Rates

Product Rate APY Term View More
22 Month CD 3.93% 4.00% 22 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
18 Month CD 3.69% 3.75% 18 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
60 Month CD 3.69% 3.75% 60 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
8 Month CD 3.69% 3.75% 8 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
6 Month CD 3.30% 3.35% 6 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 24, 2026: 3.35% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
12 Month CD 2.96% 3.00% 12 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
24 Month CD 2.96% 3.00% 24 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
30 Month CD 2.96% 3.00% 30 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
36 Month CD 2.86% 2.90% 36 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
42 Month CD 2.86% 2.90% 42 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
48 Month CD 2.86% 2.90% 48 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 13, 2026
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
Details Balance: $5,000,000 - $9,999,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 24, 2026: 3.30% APYOct 3, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $10,000,000 or more
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30%
2.80%3.43%4.05%Sep 24, 2026: 3.30% APYOct 3, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $3,000,000 - $4,999,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
2.70%3.30%3.90%Sep 24, 2026: 3.20% APYOct 3, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $1,500,000 - $2,999,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 2.99% → 3.20% ▲ 0.21 pts · high 3.20% / low 2.99%
2.49%3.10%3.70%Sep 24, 2026: 2.99% APYOct 3, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $0 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
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
Details Balance: $1,000,000 - $1,499,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 2.45% → 2.70% ▲ 0.25 pts · high 2.70% / low 2.45%
1.95%2.58%3.20%Sep 24, 2026: 2.45% APYOct 3, 2026: 2.70% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $0 to $5,000.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.20% APY · checked 5 times
0.70%1.20%1.70%Sep 24, 2026: 1.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Kids' Savings Account 0.32% 0.32%
Min Balance $5,001
Details Balance: $5,001.00 or more**
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.32% APY · checked 5 times
0.00%0.41%0.82%Sep 24, 2026: 0.32% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
High Balance Savings 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Oct 13, 2026
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
Details Balance: $100,000.00 or more **
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
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
Details Balance: $750,000 or more
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 2.10% → 2.25% ▲ 0.15 pts · high 2.25% / low 2.10%
1.60%2.18%2.75%Sep 24, 2026: 2.10% APYOct 3, 2026: 2.25% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $500,000 - $749,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 1.85% → 2.00% ▲ 0.15 pts · high 2.00% / low 1.85%
1.35%1.93%2.50%Sep 24, 2026: 1.85% APYOct 3, 2026: 2.00% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $250,000 - $499,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 1.21% → 1.30% ▲ 0.09 pts · high 1.30% / low 1.21%
0.71%1.26%1.80%Sep 24, 2026: 1.21% APYOct 3, 2026: 1.30% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $100,000 - $249,999.99
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 0.90% → 0.95% ▲ 0.05 pts · high 0.95% / low 0.90%
0.40%0.93%1.45%Sep 24, 2026: 0.90% APYOct 3, 2026: 0.95% APYSep 24, 2026Oct 13, 2026
  • 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
Details Balance: $50,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 24, 2026: 0.45% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market 0.25% 0.25%
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Essential Money Market 0.10% 0.10%
Min Balance $0
Details Balance: $0 - $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
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
Details Balance: $250,000 or more
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking 0.20% 0.20%
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking 0.15% 0.15%
Min Balance $25,000
Details Balance: $25,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking 0.10% 0.10%
Min Balance $2,500
Details Balance: $2,500 - $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Mutual Interest Checking 0.05% 0.05%
Min Balance $0
Details Balance: $0 - $2,499.99
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
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
3/1 Year ARM 6.50% - 6.85% 15 years or less
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.37% → 6.85% ▲ 0.48 pts · high 6.85% / low 6.37%
5.87%6.61%7.35%Sep 15, 2026: 6.37% APROct 7, 2026: 6.85% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.85%▲ from 6.37%
  • Sep 15, 20266.37%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
5/1 Year ARM 6.75% - 6.929% 15 years or less
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.40% → 6.93% ▲ 0.53 pts · high 6.93% / low 6.40%
5.87%6.66%7.46%Sep 15, 2026: 6.40% APROct 7, 2026: 6.93% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.93%▲ from 6.40%
  • Sep 15, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
3/1 Year ARM 6.625% - 7.165% 16 to 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.72% → 7.17% ▲ 0.44 pts · high 7.17% / low 6.72%
6.22%6.94%7.67%Sep 15, 2026: 6.72% APROct 7, 2026: 7.17% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.17%▲ from 6.72%
  • Sep 15, 20266.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
5/1 Year ARM 6.875% - 7.178% 16 to 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.70% → 7.18% ▲ 0.48 pts · high 7.18% / low 6.70%
6.20%6.94%7.68%Sep 15, 2026: 6.70% APROct 7, 2026: 7.18% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.18%▲ from 6.70%
  • Sep 15, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage 7.125% 0.000 7.313% 10 years
Details Servicing retained, no points
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.31% APR · checked 2 times
6.81%7.31%7.81%Oct 7, 2026: 7.31% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage 7.25% 0.000 7.385% 15 years
Details Servicing retained, no points
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.39% APR · checked 2 times
6.89%7.39%7.89%Oct 7, 2026: 7.39% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage 7.375% 0.000 7.461% 30 years
Details Servicing released, no points
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.46% APR · checked 2 times
6.96%7.46%7.96%Oct 7, 2026: 7.46% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage 7.50% 0.000 7.612% 20 years
Details Servicing retained, no points
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.61% APR · checked 2 times
7.11%7.61%8.11%Oct 7, 2026: 7.61% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Fixed Rate Mortgage 7.75% 0.000 7.839% 30 years
Details Servicing retained, no points
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.84% APR · checked 2 times
7.34%7.84%8.34%Oct 7, 2026: 7.84% APROct 7, 2026Oct 13, 2026
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
Details Term: 20 yr term - 10 yr draw period; rate is fixed for first 2 years
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 24, 2026: 7.00% APROct 1, 2026: 7.25% APRSep 24, 2026Oct 13, 2026
  • 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
New Auto Loan 5.875% - 6.523% 3 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.52% APR · checked 2 times
6.02%6.52%7.02%Oct 7, 2026: 6.52% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
New Auto Loan 6.125% - 6.621% 4 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.62% APR · checked 2 times
6.12%6.62%7.12%Oct 7, 2026: 6.62% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2023-2025) 6.125% - 6.774% 3 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.77% APR · checked 2 times
6.27%6.77%7.27%Oct 7, 2026: 6.77% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
New Auto Loan 6.375% - 6.779% 5 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.78% APR · checked 2 times
6.28%6.78%7.28%Oct 7, 2026: 6.78% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2023-2025) 6.375% - 6.872% 4 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.87% APR · checked 2 times
6.37%6.87%7.37%Oct 7, 2026: 6.87% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
New Auto Loan 6.625% - 6.969% 6 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.97% APR · checked 2 times
6.47%6.97%7.47%Oct 7, 2026: 6.97% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2022) 6.375% - 7.017% 3 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.02% APR · checked 2 times
6.52%7.02%7.52%Oct 7, 2026: 7.02% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2023-2025) 6.625% - 7.03% 5 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.03% APR · checked 2 times
6.53%7.03%7.53%Oct 7, 2026: 7.03% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2021) 6.625% - 7.268% 3 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.27% APR · checked 2 times
6.77%7.27%7.77%Oct 7, 2026: 7.27% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
Used Auto Loan (2020) 6.875% - 7.521% 3 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.52% APR · checked 2 times
7.02%7.52%8.02%Oct 7, 2026: 7.52% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.18%
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.
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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.

0% 1.0★ 1.4% 2.0★ 2.9% 3.0★ 4.3% 4.0★ 5.8% 5.0★ Healthy zone – entire history below the 15% limit 4.27% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.18% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.5B1.18%5.0A+
March 31, 2026$1.5B1.19%5.0A+
December 31, 2025$1.4B0.24%5.0A+
September 30, 2025$1.4B0.23%5.0A+
June 30, 2025$1.4B0.32%5.0A+
March 31, 2025$1.4B0.60%5.0A+
December 31, 2024$1.4B0.50%5.0A+
September 30, 2024$1.4B1.28%5.0A+
June 30, 2024$1.4B3.29%5.0A+
March 31, 2024$1.4B3.03%5.0A+
December 31, 2023$1.4B1.44%5.0A+
September 30, 2023$1.3B4.27%5.0A+
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.

Bank Profile & Overview

Institution Name Saco & Biddeford Savings
FDIC Certificate # 17743
Address 252 Main St, Saco, ME 04072  ·  York
Website https://www.sbsavings.bank
Established 18270221
FDIC Insurance Date 19570404
Domestic Offices 7
Total Branches 7
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
1.18%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2437%
Return on Equity (ROE) 2.6200%
Non-Performing Loans (NPL) 0.11%
Total Assets $1,471,276,000
Total Deposits $1,004,302,000
Equity Capital $137,366,000
Net Income $1,777,000
Headquarters Saco
Total Branches and Offices 7
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Saco & Biddeford Savings 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.

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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/saco-and-biddeford-savings-institution-rates-review-17743">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Saco & Biddeford Savings

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.

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.

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