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Watertown Savings Bank Watertown, MA

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Watertown Savings Bank Watertown, MA Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Watertown Savings Bank Watertown, 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: April 17, 2026

You can compare Watertown Savings Bank Watertown, MA rates to other rates in our database, including 12-month CD rates currently at 1.55%, 6-month CD rates at 2.57% and 3-month CD rates at 3.80%. Savings rates are at 0.10% and money market rates are at 1.76%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to Watertown Savings Bank Watertown, MA rates. MonitorBankRates evaluates the financial stability of Watertown Savings Bank Watertown, MA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates were last updated on 04/17/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.41%

Excellent Lower than avg

Watertown Savings Bank Watertown, MA

60 Main St
Watertown, MA 02472

https://www.watertownsavings.com

Current Rate Availability

We do not have Watertown Savings Bank Watertown, MA rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Watertown Savings Bank Watertown, 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 Watertown Savings Bank Watertown, 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 Watertown Savings Bank Watertown, MA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Watertown Savings Bank Watertown, MA

FDIC Certificate # 23298

Address 60 Main St, Watertown, MA 02472 · Middlesex

Website https://www.watertownsavings.com

Established 04/18/1870

FDIC Insurance Date 01/02/1981

Domestic Offices 10

Total Branches 10

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5011%

Return on Equity (ROE) 5.8200%

Non-Performing Loans (NPL) 0.04%

Total Assets $1,434,762,000

Total Deposits $1,249,974,000

Equity Capital $165,238,000

Net Income $9,094,000

Headquarters Watertown

Total Offices 10

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Watertown Savings Bank Watertown, MA

Is Watertown Savings Bank Watertown, MA a safe place to deposit money?

Yes, Watertown Savings Bank Watertown, MA is considered a safe financial institution. With a Texas Ratio of 0.4145420425617%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Watertown Savings Bank Watertown, MA operate?

Watertown Savings Bank Watertown, MA currently maintains approximately 10 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, Watertown Savings Bank Watertown, 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, Watertown Savings Bank Watertown, MA provides members with tools to manage their accounts and build a solid financial history.

Does Watertown Savings Bank Watertown, MA offer online and mobile banking?

Most modern institutions like Watertown Savings Bank Watertown, 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.watertownsavings.com.