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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Winter Hill Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 24, 2026
Winter Hill Bank's CD Special 7-Month rates are at 3.70%, Certificates of Deposit 7-Month rates are at 3.70%, CD Special 13-Month rates are at 3.55%, Certificates of Deposit 13-Month rates are at 3.55%, Certificates of Deposit 60-Month rates are at 0.75%. Winter Hill Bank's money market rates are at 0.05%. Winter Hill Bank's ONE Mortgage 30 Year Fixed (Purchases only) rates are at 5.75%, 15 Year Fixed Rate Conforming - First Mortgage Loans rates are at 6.00%, Homestart 7/1 ARM 30 Year (Caps 2/6 - Margin 2.875) (Caps 2/6 - Margin 2.875) rates are at 5.50%, 5/1 ARM (Caps 2/6 - Margin 2.75) rates are at 5.50%, 7/1 ARM (Caps 2/6 - Margin 2.875) rates are at 5.62%. MonitorBankRates evaluates the financial stability of Winter Hill Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/24/2026. Winter Hill 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 Winter Hill Bank? Share your experience about Winter Hill Bank by leaving a review below, or read customer reviews before you decide to use Winter Hill Bank. 
Winter Hill Bank CD Rates
Winter Hill Bank Savings Rates
Winter Hill Bank Money Market Rates
Winter Hill Bank Checking Rates
Winter Hill Bank Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Winter Hill 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 Winter Hill 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 Winter Hill Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Winter Hill Bank
FDIC Certificate #
28213
Address
342 Broadway,
Somerville, MA 02145 · Middlesex
Website
https://www.winterhillbank.com
Established
01/01/1906
FDIC Insurance Date
08/09/1989
Domestic Offices
3
Total Branches
3
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.0540%
Return on Equity (ROE)
0.5800%
Non-Performing Loans (NPL)
0.00%
Total Assets
$420,959,000
Total Deposits
$297,917,000
Equity Capital
$41,180,000
Net Income
$586,000
Headquarters
Somerville
Total Offices
3
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Winter Hill BankIs Winter Hill Bank a safe place to deposit money?Yes, Winter Hill Bank is considered a safe financial institution. 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 Winter Hill Bank operate?Winter Hill Bank currently maintains approximately 3 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, Winter Hill 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, Winter Hill Bank provides members with tools to manage their accounts and build a solid financial history. Does Winter Hill Bank offer online and mobile banking?Most modern institutions like Winter Hill 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.winterhillbank.com. Current Winter Hill Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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