What are the current interest rates at Lowell Five Bank?

Current rates for Lowell Five Bank include: 12-Month CD: 2.50%, 18-Month CD: 2.60%, 24-Month CD: 2.75%, 36-Month CD: 3.00%, 48-Month CD: 3.05%, 60-Month CD: 3.25%, Savings: 0.05%, MMA: 0.05%

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Lowell Five Bank

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Lowell Five Bank Rates & Review September 2026

Q: How many branches does Lowell Five Bank operate?

Lowell Five Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Lowell Five 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lowell Five Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Lowell Five Bank's 35-Month Promotion CD rates are at 4.25%, Business 35-Month CD rates are at 4.25%, 15-Month Promotion CD rates are at 4.05%, Business 15-Month CD rates are at 4.05%, 5-Month Promotion CD rates are at 3.80%. Lowell Five Bank's savings rates are at 0.05%. Lowell Five Bank's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Lowell Five Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.48%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.48%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Lowell Five Bank

30 International Pl
Tewksbury, MA 01876

https://www.lowellfive.com

Lowell Five Bank CD Rates

Product	Rate	APY	Term
35 Month Promotion CD	-	4.25%	35 Month
Min Deposit $500 Details Term: 35 Month Promotion CD; Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Business 35 Month CD	-	4.25%	35 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
15 Month Promotion CD	-	4.05%	15 Month
Min Deposit $500 Details Term: 15 Month Promotion CD; Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Business 15 Month CD	-	4.05%	15 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
5 Month Promotion CD	-	3.80%	5 Month Promotion CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Business 5 Month CD	-	3.80%	5 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
60 Month CD	-	3.25%	60 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Business 60 Month CD	-	3.25%	60 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
48 Month CD	-	3.05%	48 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Business 48 Month CD	-	3.05%	48 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/2026 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
36 Month CD	-	3.00%	36 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
30 Month CD	-	2.85%	30 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
24 Month CD	-	2.75%	24 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
18 Month CD	-	2.60%	18 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
12 Month CD	-	2.50%	12 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
6 Month CD	-	2.25%	6 Month CD
Min Deposit $500 Details Annual Percentage Yield is effective as of 9/15/26 and is subject to change without notice. Minimum balance required to open and earn APY. Fees may reduce earnings. Penalty will be imposed on early withdrawal. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Lowell Five Bank Savings Rates

Product	Rate	APY
High Yield Savings	-	3.00%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000.00 or more; Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 9/1/26 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Everyday Savings	-	0.05%
Min Deposit $10 Details Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 9/1/26. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
High Yield Savings	-	0.05%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $49,999.99; Fees could reduce earnings. Account rate is variable and is subject to change at any time. Rates and Annual Percentage Yields effective 9/1/26 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Lowell Five Bank Money Market Rates

Product	Rate	APY
Premier Money Market	-	0.50%
Min Deposit $10 Min Balance $750,000 Details Fees could reduce earnings.; Account rate is variable and is subject to change at any time.; Entire balance earns interest rate and APY for the selected tier.; Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.; Rates and Annual Percentage Yields effective 9/1/2026.; Balance: $750,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Premier Money Market	-	0.35%
Min Deposit $10 Min Balance $500,000 Details Fees could reduce earnings.; Account rate is variable and is subject to change at any time.; Entire balance earns interest rate and APY for the selected tier.; Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.; Rates and Annual Percentage Yields effective 9/1/2026.; Balance: $500,000 - $749,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Premier Money Market	-	0.25%
Min Deposit $10 Min Balance $250,000 Details Fees could reduce earnings.; Account rate is variable and is subject to change at any time.; Entire balance earns interest rate and APY for the selected tier.; Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.; Rates and Annual Percentage Yields effective 9/1/2026.; Balance: $250,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Premier Money Market	-	0.15%
Min Deposit $10 Min Balance $100,000 Details Fees could reduce earnings.; Account rate is variable and is subject to change at any time.; Entire balance earns interest rate and APY for the selected tier.; Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.; Rates and Annual Percentage Yields effective 9/1/2026.; Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Premier Money Market	-	0.05%
Min Deposit $10 Min Balance $0 Details Fees could reduce earnings.; Account rate is variable and is subject to change at any time.; Entire balance earns interest rate and APY for the selected tier.; Minimum balance of $2,500.00 is required to avoid $5.00 monthly fee.; Rates and Annual Percentage Yields effective 9/1/2026.; Balance: $0 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Lowell Five Bank Checking Rates

Product	Rate	APY
Heroes Checking	0.05%	0.05%
Min Balance $0 Details Balance: no minimum balance required to earn interest; Qualifications Required: no monthly fees; no minimum balance required to earn interest; Qualified Educators, School District Employees, Healthcare Professionals, First Responders, Municipal Employees, Active Military, and Veterans Receive a Premier Checking Account with no monthly fees. That's how we say thank you. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%
Premier Checking	0.05%	0.05%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 or $20,000 Combined Deposit Balance to avoid fee; Do you keep a large daily balance? Optimize deposited funds by earning interest with easy-access checking. Fees could reduce earnings. Account rate is variable and is subject to change at any time. ATM Surcharge Reimbursements up to $50 nationwide (per Statement Cycle). Rates effective 9/1/26. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Lowell Five Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Personal and Business CDs	-	-	3.60%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.48%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lowell Five Bank’s Texas Ratio rose from 1.76% in Q3 2023 to 6.48% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$1.9B	6.48%	5.0	A
March 31, 2026	$1.9B	5.96%	5.0	A+
December 31, 2025	$1.8B	2.55%	5.0	A+
September 30, 2025	$1.8B	3.86%	5.0	A+
June 30, 2025	$1.8B	9.46%	5.0	A
March 31, 2025	$1.7B	9.19%	5.0	A
December 31, 2024	$1.7B	9.42%	5.0	A
September 30, 2024	$1.7B	10.59%	5.0	A
June 30, 2024	$1.7B	8.76%	5.0	A
March 31, 2024	$1.6B	9.64%	5.0	A
December 31, 2023	$1.6B	9.78%	5.0	A
September 30, 2023	$1.6B	1.76%	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 Lowell Five 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 Lowell Five 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 Lowell Five Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Lowell Five Bank

Bank Holding Company LOWELL FIVE BCORP MHC

Address 30 International Pl, Tewksbury, MA 01876 · Middlesex

Website https://www.lowellfive.com

FDIC Certificate # 90227

Established 18540412

FDIC Insurance Date 19850701

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7708%

Return on Equity (ROE) 6.2000%

Non-Performing Loans (NPL) 0.80%

Total Assets $1,900,746,000

Total Deposits $1,635,464,000

Equity Capital $234,552,000

Net Income $7,170,000

Headquarters Tewksbury

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Lowell Five Bank 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 — no need to download or upload anything.

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Frequently Asked Questions About Lowell Five Bank

How many branches does Lowell Five Bank operate?

Lowell Five Bank currently maintains approximately 15 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, Lowell Five 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, Lowell Five Bank provides members with tools to manage their accounts and build a solid financial history.

Does Lowell Five Bank offer online and mobile banking?

Most modern institutions like Lowell Five 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.lowellfive.com.