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Village Bank Auburndale, MA

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Village Bank Auburndale, MA Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Village Bank Auburndale, MA 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 23, 2026

Village Bank Auburndale, MA's 10-Year Fixed rates are at 5.75%, 15-Year Fixed rates are at 6.00%, 20-Year Fixed rates are at 6.25%, 30-Year Fixed rates are at 6.50%. Village Bank Auburndale, MA's Auto Loan Rates are as low as 6.00%. MonitorBankRates evaluates the financial stability of Village Bank Auburndale, MA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.24%. Rates last updated and verified on 09/23/2026.

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

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

2.24%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Village Bank Auburndale, MA

320 Needham St
Newton, MA 02464

https://www.village-bank.com

Village Bank Auburndale, MA Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Fixed	5.75%	0	6.27%	10 years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
15-Year Fixed	6.00%	0	6.37%	15 years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
20-Year Fixed	6.25%	0	6.55%	20 years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
30-Year Fixed	6.50%	0	6.73%	30 years
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Village Bank Auburndale, MA Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	5.50%	30
Details Term: 30-year term (10-year draw period with interest only payments followed by 20-year repayment period); Introductory rate is fixed for the first 6 months after closing and will not vary during the promotional period. After that, the APR will vary as follows: APR = Annual Percentage Rate. APR is subject to change without notice. APR is variable, tied to the Wall Street Journal Prime Rate, the index (currently 6.75% as of December 11, 2025) plus or minus a margin, and can change monthly. There is a minimum rate of 3.00% APR, and a maximum rate of 18% APR. Available for primary residences or secondary homes to new Home Equity Line of Credit (HELOC) borrowers only. Maximum combined loan-to-value of 80%. In order to open, use, or maintain your account, you may have to pay certain fees to third parties in connection with opening the account. These fees generally range between $0.00 and $6,000.00, depending upon the line amount, how the property is titled, property location, or i Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Home Equity Line - Prime -0.50%	5.50%	-	6.00%
Details 1st Lien, Primary Home, Auto Payment from eVolve Checking account; Introductory APR for the first 6 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Home Equity Line - Prime -0.50%	5.50%	-	6.25%
Details 1st Lien, Primary Home; Introductory APR for the first 6 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Home Equity Line - Prime Only	5.50%	-	6.75%
Details 2nd Lien, Primary Home (1st lien with another lender); Introductory APR for the first 6 months Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
Home Equity Line - Prime +0.50%	7.25%	-	7.25%
Details Second Home Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

Village Bank Auburndale, MA Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Car Loans	6.00%	-	6.00%	1 Year
Details Loan Amount: $1,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	6.50%	-	6.50%	2 Year
Details Loan Amount: $2,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	6.99%	-	6.99%	24 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	6.99%	-	6.99%	36 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	7.00%	-	7.00%	3 Year
Details Loan Amount: $3,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	7.49%	-	7.49%	48 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	7.50%	-	7.50%	4 Year
Details Loan Amount: $4,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	7.99%	-	7.99%	60 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	8.00%	-	8.00%	5 Year
Details Loan Amount: $5,000 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%
New & Used Car Loans	8.49%	-	8.49%	72 months
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.24%

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

Village Bank Auburndale, MA’s Texas Ratio stayed near 1.85% in Q3 2023 to 2.24% 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	$2.1B	2.24%	5.0	A+
March 31, 2026	$2.0B	3.30%	5.0	A+
December 31, 2025	$2.0B	3.00%	5.0	A+
September 30, 2025	$2.0B	1.29%	5.0	A+
June 30, 2025	$2.0B	0.60%	5.0	A+
March 31, 2025	$2.0B	0.63%	5.0	A+
December 31, 2024	$2.0B	1.04%	5.0	A+
September 30, 2024	$2.0B	0.83%	5.0	A+
June 30, 2024	$2.0B	1.51%	5.0	A+
March 31, 2024	$1.9B	1.67%	5.0	A+
December 31, 2023	$2.0B	1.78%	5.0	A+
September 30, 2023	$1.9B	1.85%	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 Village Bank Auburndale, MA 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 Village Bank Auburndale, MA 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 Village Bank Auburndale, MA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Village Bank Auburndale, MA

FDIC Certificate # 26336

Address 320 Needham St, Newton, MA 02464 · Middlesex

Website https://www.village-bank.com

Established 19100501

FDIC Insurance Date 19850812

Domestic Offices 11

Total Branches 11

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

2.24%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4799%

Return on Equity (ROE) 5.6500%

Non-Performing Loans (NPL) 0.19%

Total Assets $2,068,136,000

Total Deposits $1,798,506,000

Equity Capital $176,413,000

Net Income $4,920,000

Headquarters Newton

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Village Bank Auburndale, MA 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.

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Customer Reviews

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Frequently Asked Questions About Village Bank Auburndale, MA

How many branches does Village Bank Auburndale, MA operate?

Village Bank Auburndale, MA currently maintains approximately 11 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, Village Bank Auburndale, MA 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, Village Bank Auburndale, MA provides members with tools to manage their accounts and build a solid financial history.

Does Village Bank Auburndale, MA offer online and mobile banking?

Most modern institutions like Village Bank Auburndale, MA 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.village-bank.com.