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Skowhegan Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Skowhegan Savings Bank?

Current rates for Skowhegan Savings Bank include: 12-Month CD: 0.20%, 18-Month CD: 3.25%, 24-Month CD: 0.30%, 36-Month CD: 0.35%, 60-Month CD: 0.50%, Savings: 0.04%, MMA: 2.22%

Q: What CD terms does Skowhegan Savings Bank offer?

Skowhegan Savings Bank CD rates are 3.40% APY for a 5 month CD, 3.50% APY for a 7 month CD, 0.20% APY for a 12 month CD, 3.60% APY for a 13 month CD, 3.25% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 3 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Skowhegan Savings Bank for its full lineup.

Q: How many branches does Skowhegan Savings Bank operate?

Skowhegan Savings Bank currently maintains approximately 13 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Skowhegan Savings Bank's 13-Month CD rates are at 3.60%, 7-Month CD rates are at 3.50%, 5-Month CD rates are at 3.40%, 18-Month CD rates are at 3.25%, 5 Year CD rates are at 0.50%. Skowhegan Savings Bank's savings rates are at 0.04%. Skowhegan Savings Bank's money market rates are at 2.22%. Skowhegan Savings Bank's checking rates are as high as 0.04%. Skowhegan Savings Bank's Adjustable Rate Mortgage - 30 Year Term rates are at 6.375%, Adjustable Rate Mortgage 30 Year - Current Fully Indexed Rate for Years (4-30) rates are at 6.375%, Adjustable Rate Mortgage 30 Year Term - Current Fully Indexed Rate (Years 8-30) rates are at 6.375%. Skowhegan Savings Bank's top CD rate of 3.60% APY on a 13 month CD is 19% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Skowhegan Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.09%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 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

2.09%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Skowhegan Savings Bank

13 Elm St
Skowhegan, ME 04976

https://www.skowhegan.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.

Skowhegan Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
13-Month CD	3.54%	3.60%	13 Month	$500
Min Deposit $500 Min Balance $500 Details CD Specials; Effective: November 2, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.05% → 3.60% ▲ 0.55 pts · high 3.60% / low 3.05% Sep 24, 20263.60%▲ from 3.05% Sep 19, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
7-Month CD	3.44%	3.50%	7 Month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details CD Specials; Effective: November 2, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15% Sep 24, 20263.50%▲ from 3.15% Sep 19, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
5-Month CD	3.34%	3.40%	5 Month	$1,500
Min Deposit $1,500 Min Balance $1,500 Details CD Specials; Effective: November 2, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.35% → 3.40% ▲ 0.05 pts · high 3.40% / low 3.35% Sep 24, 20263.40%▲ from 3.35% Sep 19, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
18-Month CD	3.20%	3.25%	18 Month	$500
Min Deposit $500 Min Balance $500 Details CD Specials; Effective: November 2, 2026 Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
18-Month IRA Special	3.20%	3.25%	18 months	$500
Min Deposit $500 Min Balance $500 Details IRA; APY assumes interest remains on deposit; penalty for withdrawals before maturity Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
7-Month IRA Special	3.10%	3.15%	7 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details IRA; APY assumes interest remains on deposit; penalty for withdrawals before maturity Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
5-Year CD	0.50%	0.50%	5 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
5-Year IRA	0.50%	0.50%	5 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
3-Year CD	0.35%	0.35%	3 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
3-Year IRA	0.35%	0.35%	3 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
2-Year CD	0.30%	0.30%	2 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
2-Year IRA	0.30%	0.30%	2 years	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
1-Year CD	0.20%	0.20%	1 year	$500
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
6-Month CD	0.15%	0.15%	6 months	$1,500
Min Deposit $1,500 Min Balance $1,500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
91 Day CD	0.10%	0.10%	91 days	$2,000
Min Deposit $2,000 Min Balance $2,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Savings Rates

Product	Rate	APY
Club Account	0.10%	0.10%
Min Deposit $1 Min Balance $1 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Savings	0.04%	0.04%
Min Deposit $25 Min Balance $25 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.04% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Money Market Rates

Product	Rate	APY
Integrity Plus Money Market	2.20%	2.22%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 & Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.22% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Money Market	1.55%	1.56%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.56% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Money Market	1.30%	1.31%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.31% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Money Market	1.15%	1.16%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.16% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Money Market	0.90%	0.90%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.90% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000 & Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.03%	0.03%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.03% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Money Market	0.00%	0.00%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Checking Rates

Product	Rate	APY
Integrity Plus Checking	0.04%	0.04%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 & Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.04% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Checking	0.02%	0.02%
Min Deposit $50 Min Balance $50 Details Balance: $50.00 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Integrity Plus Checking	0.00%	0.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $49.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.04% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Adjustable Rate Mortgage - 30 Year Term	6.375%	-	6.634%	30 years
Details Current Fully Indexed Rate for Years (6-30); Rates Effective: November 4, 2026; Monthly Payment/$1,000 borrowed: 6.239; APR assumes $50,000.00 financed and 20% down payment Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Adjustable Rate Mortgage 30 Year - Current Fully Indexed Rate for Years (4-30)	6.375%	-	6.634%	30 Year
Details Rates Effective: October 21, 2026; Current Fully Indexed Rate for Years (4-30); APR assumes $50,000.00 financed and 20% down payment Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Adjustable Rate Mortgage 30 Year Term - Current Fully Indexed Rate (Years 8-30)	6.375%	-	6.634%	30 years
Details Current Fully Indexed Rate for Years (8-30); Rates Effective: October 28, 2026; Monthly Payment/$1,000 borrowed: 6.239 (not a rate); APR assumes $50,000.00 financed and 20% down payment Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 6.63% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Adjustable Rate Mortgage - 30 Year Term	6.75%	-	7.015%	30 years
Details Initial 5 Year Fixed Rate; Rates Effective: November 4, 2026; Monthly Payment/$1,000 borrowed: 6.486; APR assumes $50,000.00 financed and 20% down payment Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - 5 Year	6.50%	-	6.67%	5 Year
Details APR assumes 11% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.67% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Home Equity Loan - 10 Year	6.625%	-	6.795%	10 Year
Details APR assumes 11% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.80% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Home Equity Loan - 15 Year	6.75%	-	6.92%	15 Year
Details APR assumes 11% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.92% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Home Equity Line of Credit - Introductory Fixed Rate	-	-	6.95%	20 Year
Details Introductory Period: 2 Year; Term of 240-months (20 years) with 60-month draw period followed by 180-month repayment period; APR based on borrower credit score of 740 or above; after introductory period APR varies based on WSJ Prime Rate plus margin Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.75% → 6.95% ▲ 0.20 pts · high 6.95% / low 6.75% Oct 21, 20266.95%▲ from 6.75% Oct 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Home Equity Loan - 20 Year	6.875%	-	7.046%	20 Year
Details APR assumes 11% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.05% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Home Equity Line (Variable Rate)	-	-	7.25%	20 Years
Details Current Fully Indexed Rate for 20 Years; Term of 240 months (20 years): 60 month draw period followed by 180 month principal and interest repayment; APR can change monthly, based on WSJ Prime Rate plus margin; APR not lower than 5.00% or higher than 18.00%; maximum loan to value 85% on owner-occupied residence Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.25% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

Skowhegan Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
Bi-Weekly Building Lot - 10 Year Loan	8.00%	-	9.49%	10 Year
Details Bi-weekly building lot loan; bi-weekly rate available with automatic payments from a Skowhegan Savings deposit account; APR assumes $50,000 financed and 25% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Building Lot - 15 Year Loan	8.125%	-	9.282%	15 Year
Details Bi-weekly building lot loan; bi-weekly rate available with automatic payments from a Skowhegan Savings deposit account; APR assumes $50,000 financed and 25% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.28% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Building Lot - 20 Year Loan	8.50%	-	9.522%	20 Year
Details Bi-weekly building lot loan; bi-weekly rate available with automatic payments from a Skowhegan Savings deposit account; APR assumes $50,000 financed and 25% down payment; rates effective September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.52% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Home Loan - 10 Year	6.375%	-	7.785%	10 Year
Details Bi-weekly mortgage; available when automatic payments are made from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Home Loan - 15 Year	6.50%	-	7.566%	15 Year
Details Bi-weekly mortgage; available when automatic payments are made from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.57% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Home Loan - 20 Year	6.875%	-	7.795%	20 Year
Details Bi-weekly mortgage; available when automatic payments are made from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.80% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Bi-Weekly Home Loan - 30 Year	7.00%	-	7.644%	30 Year
Details Bi-weekly mortgage; available when automatic payments are made from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.64% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Land Loan - Bi-Weekly Acreage - 10 Year	9.375%	-	10.936%	10 Year
Details Bi-weekly acreage rates; APR assumes $50,000 financed and 35% down payment; bi-weekly rates require automatic payments from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.94% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Land Loan - Bi-Weekly Acreage - 15 Year	9.50%	-	10.738%	15 Year
Details Bi-weekly acreage rates; APR assumes $50,000 financed and 35% down payment; bi-weekly rates require automatic payments from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Land Loan - Bi-Weekly Acreage - 20 Year	9.875%	-	10.989%	20 Year
Details Bi-weekly acreage rates; APR assumes $50,000 financed and 35% down payment; bi-weekly rates require automatic payments from a Skowhegan Savings deposit account; Rates Effective: September 30, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Building Lot - 10 Year Loan	8.125%	-	8.743%	10 Year
Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Building Lot - 15 Year Loan	8.25%	-	8.698%	15 Year
Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 8.70% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Building Lot - 20 Year Loan	8.625%	-	8.996%	20 Year
Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Home Loan - 10 Year	6.50%	-	7.099%	10 Year
Details APR assumes $50,000.00 financed and 20% down payment; Monthly payment per $1,000 borrowed: 11.355 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.97% → 7.10% ▲ 0.13 pts · high 7.10% / low 6.97% Oct 20, 20267.10%▲ from 6.97% Sep 15, 20266.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Home Loan - 15 Year	6.625%	-	7.052%	15 Year
Details APR assumes $50,000.00 financed and 20% down payment; Monthly payment per $1,000 borrowed: 8.780 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.93% → 7.05% ▲ 0.13 pts · high 7.05% / low 6.93% Oct 20, 20267.05%▲ from 6.93% Sep 15, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Home Loan - 20 Year	7.00%	-	7.349%	20 Year
Details APR assumes $50,000.00 financed and 20% down payment; Monthly payment per $1,000 borrowed: 7.753 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.22% → 7.35% ▲ 0.13 pts · high 7.35% / low 7.22% Oct 20, 20267.35%▲ from 7.22% Sep 15, 20267.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
Monthly Home Loan - 30 Year	7.125%	-	7.396%	30 Year
Details APR assumes $50,000.00 financed and 20% down payment; Monthly payment per $1,000 borrowed: 6.737 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.27% → 7.40% ▲ 0.13 pts · high 7.40% / low 7.27% Oct 20, 20267.40%▲ from 7.27% Sep 15, 20267.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%
30 Day IRA	0.10%	-	0.10%	30 days
Min Deposit $500 Min Balance $500 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.09%

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

Skowhegan Savings Bank’s Texas Ratio rose from 1.27% in Q3 2023 to 2.09% 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	$855M	2.09%	5.0	A+
March 31, 2026	$843M	1.99%	5.0	A+
December 31, 2025	$842M	2.25%	5.0	A+
September 30, 2025	$842M	1.96%	5.0	A+
June 30, 2025	$843M	1.77%	5.0	A+
March 31, 2025	$843M	1.68%	5.0	A+
December 31, 2024	$841M	1.70%	5.0	A+
September 30, 2024	$871M	1.61%	5.0	A+
June 30, 2024	$881M	1.70%	5.0	A+
March 31, 2024	$898M	1.77%	5.0	A+
December 31, 2023	$877M	1.18%	5.0	A+
September 30, 2023	$817M	1.27%	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 Skowhegan 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 Skowhegan 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 Skowhegan Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Skowhegan Savings Bank

Website https://www.skowhegan.com

Address 13 Elm St, Skowhegan, ME 04976 · Somerset

FDIC Certificate # 19532

Regulator FDIC

Established October 2, 1869

FDIC Insurance Date January 1, 1966

Domestic Offices 13

Total Branches 13

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.09%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.5819%

Return on Equity (ROE)

11.1200%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

$855,010,000

Total Deposits

$715,305,000

Equity Capital

$123,966,000

Net Income

$6,697,000

Headquarters

Skowhegan

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Skowhegan Savings Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Skowhegan Savings Bank

Does Skowhegan Savings Bank offer CDs?

Yes. Skowhegan Savings Bank current CD rates include its 13-Month CD at 3.60% APY, its 7-Month CD at 3.50% APY and its 5-Month CD at 3.40% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Skowhegan Savings Bank FDIC insured?

Yes. Skowhegan Savings 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 Skowhegan Savings Bank?

The highest Skowhegan Savings Bank CD rate is its 13-Month CD at 3.60% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Skowhegan Savings Bank offer?

Skowhegan Savings Bank CD rates are 3.40% APY for a 5 month CD, 3.50% APY for a 7 month CD, 0.20% APY for a 12 month CD, 3.60% APY for a 13 month CD, 3.25% APY for an 18 month CD, 0.30% APY for a 2 year CD, 0.35% APY for a 3 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Skowhegan Savings Bank for its full lineup.

What is the highest savings rate at Skowhegan Savings Bank?

The highest Skowhegan Savings Bank savings rate is its Integrity Savings at 0.04% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Skowhegan Savings Bank?

The highest Skowhegan Savings Bank money market rate is its Integrity Plus Money Market at 2.22% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Skowhegan Savings Bank?

The highest Skowhegan Savings Bank checking rate is its Integrity Plus Checking at 0.04% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest mortgage rate at Skowhegan Savings Bank?

The lowest Skowhegan Savings Bank mortgage rate is its Adjustable Rate Mortgage - 30 Year Term at 6.375%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Skowhegan Savings Bank operate?

Skowhegan Savings Bank currently maintains approximately 13 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, Skowhegan 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, Skowhegan Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Skowhegan Savings Bank offer online and mobile banking?

Most modern institutions like Skowhegan 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.skowhegan.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 Skowhegan Savings Bank rates compare?

Skowhegan Savings Bank's top CD rate of 3.60% APY on a 13 month CD is 19% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Skowhegan Savings Bank's top rates are its 13-Month CD at 3.60% APY, its Integrity Savings at 0.04% APY, its Integrity Plus Money Market at 2.22% APY, its Integrity Plus Checking at 0.04% APY and its Adjustable Rate Mortgage - 30 Year Term at 6.375%, verified by MonitorBankRates on November 5, 2026.

Current Skowhegan Savings Bank Rates

12-Month CD0.20%
18-Month CD3.25%
24-Month CD0.30%
36-Month CD0.35%
60-Month CD0.50%
Savings0.04%
MMA2.22%

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

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Skowhegan Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Skowhegan Savings Bank Texas Ratio

Skowhegan Savings Bank Health Trend

Skowhegan Savings Bank CD Rates

Skowhegan Savings Bank Savings Rates

Skowhegan Savings Bank Money Market Rates

Skowhegan Savings Bank Checking Rates

Skowhegan Savings Bank Mortgage Rates

Skowhegan Savings Bank Home Equity & HELOC

Skowhegan Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Skowhegan Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Skowhegan Savings Bank

Does Skowhegan Savings Bank offer CDs?

Are CDs from Skowhegan Savings Bank FDIC insured?

What is the highest CD rate at Skowhegan Savings Bank?

What CD terms does Skowhegan Savings Bank offer?

What is the highest savings rate at Skowhegan Savings Bank?

What is the highest money market rate at Skowhegan Savings Bank?

What is the highest checking rate at Skowhegan Savings Bank?

What is the lowest mortgage rate at Skowhegan Savings Bank?

How many branches does Skowhegan Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Skowhegan Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Skowhegan Savings Bank rates compare?

Current Skowhegan Savings Bank Rates

Compare to Other Banks