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 Winter Hill Bank Rates & Review November 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 and Verified: November 5, 2026
Winter Hill Bank's CD - 60-Month rates are at 0.75%, CD - 48-Month rates are at 0.65%, CD - 36-Month rates are at 0.55%, CD - 24-Month rates are at 0.45%, CD - 18-Month rates are at 0.35%. Winter Hill Bank's money market rates are at 0.55%. Winter Hill Bank's checking rates are as high as 0.10%. Winter Hill Bank's Equity Edge Loan (10 Year Fixed Rate Term) rates are at 6.50%, Fixed Rate Conforming First Mortgage - 15 Year rates are at 6.625%, Homestart 7/1 ARM 30 Year (Caps 2/6 - Margin 2.875) rates are at 6.00%, Adjustable Rate Conforming - 5/1 ARM (Caps 2/6 - Margin 2.75) rates are at 5.875%, Adjustable Rate Conforming - 7/1 ARM (Caps 2/6 - Margin 2.875) rates are at 6.125%. Winter Hill Bank's top CD rate of 4.25% APY on an 11 month CD is 42% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Winter Hill Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 11/05/2026. 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. 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. 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
Winter Hill Bank Other Rates
Financial Health HistoryWinter Hill Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
Bank Name
Winter Hill Bank
Website
https://www.winterhillbank.com
Address
342 Broadway,
Somerville, MA 02145 · Middlesex
FDIC Certificate #
28213
Regulator
OCC
Established
January 1, 1906
FDIC Insurance Date
August 9, 1989
Domestic Offices
3
Total Branches
3
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.1212%
Return on Equity (ROE)
1.2200%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$407,948,000
Total Deposits
$299,268,000
Equity Capital
$41,432,000
Net Income
$252,000
Headquarters
Somerville
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Winter Hill Bank
Frequently Asked Questions About Winter Hill BankDoes Winter Hill Bank offer CDs?Yes. Winter Hill Bank current CD rates include its CD - 60-Month at 0.75% APY, its CD - 48-Month at 0.65% APY and its CD - 36-Month at 0.55% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Winter Hill Bank FDIC insured?Yes. Winter Hill 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 Winter Hill Bank?The highest Winter Hill Bank CD rate is its Certificates of Deposit - CD Special 11-Month at 4.25% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Winter Hill Bank offer?Winter Hill Bank CD rates are 0.25% APY for a 12 month CD, 0.35% APY for an 18 month CD, 0.45% APY for a 2 year CD, 0.55% APY for a 3 year CD, 0.65% APY for a 4 year CD and 0.75% 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 Winter Hill Bank for its full lineup. What is the highest money market rate at Winter Hill Bank?The highest Winter Hill Bank money market rate is its Prestige Money Market Deposit Account at 0.55% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Winter Hill Bank?The highest Winter Hill Bank checking rate is its Super NOW Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest 30 year fixed mortgage rate at Winter Hill Bank?The lowest Winter Hill Bank 30 year fixed mortgage rate is its ONE Mortgage 30 Year Fixed (Purchases only) at 6.875%, verified by MonitorBankRates as of November 5, 2026. Winter Hill Bank mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 15 year mortgage, 5.875% for a 5/1 ARM, 6.00% for a 7/1 ARM and 6.50% for a 10/1 ARM. What is the lowest home equity rate at Winter Hill Bank?The lowest Winter Hill Bank home equity rate is its Equity Edge Loan (10 Year Fixed Rate Term) at 6.50%, verified by MonitorBankRates as of November 5, 2026. Winter Hill Bank home equity rates are 6.50% for a 10 year home equity loan, 7.00% for a 15 year home equity loan and 7.25% for a 20 year home equity loan. 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. 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 Winter Hill Bank rates compare?Winter Hill Bank's top CD rate of 4.25% APY on an 11 month CD is 42% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. Winter Hill Bank's top rates are its 11-Months Certificates of Deposit - CD Special 11-Month at 4.25% APY, its Prestige Money Market Deposit Account at 0.55% APY, its Super NOW Checking at 0.10% APY and its Adjustable Rate Conforming - 5/1 ARM (Caps 2/6 - Margin 2.75) at 5.875%, verified by MonitorBankRates on November 5, 2026. Current Winter Hill Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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