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Winter Hill Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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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.
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: October 14, 2026
Winter Hill Bank's top rates as of October 14, 2026 are 4.20% APY on its 11-Months CD Special - 11-Month, 0.05% APY on savings, 0.55% APY on money market accounts, 0.10% APY on checking, and 5.75% on its Adjustable Rate Conforming - 5/1 ARM (Caps 2/6 - Margin 2.75) mortgage, according to rates verified by MonitorBankRates. Other Winter Hill Bank CD rates include 17-Months CD Special - 17-Month at 4.15%, 60-Months Certificates of Deposit - 60-Month at 0.75%, and 48-Months Certificates of Deposit - 48-Month at 0.65%. Other Winter Hill Bank mortgage rates include Homestart 7/1 ARM 30 Year (Caps 2/6 - Margin 2.875) at 5.875%, Adjustable Rate Conforming - 7/1 ARM (Caps 2/6 - Margin 2.875) at 6.00%, and Adjustable Rate Conforming - 10/1 ARM (Caps 5/2/6 - Margin 2.875) at 6.625%. 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 10/14/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Winter Hill Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.00%
PerfectLower than avg
Winter Hill Bank Texas Ratio
Winter Hill Bank's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 5.85%.
A 0.00% ratio is the best possible score. Winter Hill Bank currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.00% to 0.00% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
Product
Rate
APY
Term
View More
CD Special - 11 month
4.12%
4.20%
11 Months
Min Deposit$500
Min Balance$500
DetailsCD Special promotional certificate
Last Updated10/14/2026
Rate History
2 changes since Sep 19, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
Oct 11, 20264.20%▲ from 4.10%
Oct 3, 20264.10%▲ from 4.00%
Sep 19, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
CD Special - 17 month
4.07%
4.15%
17 Months
Min Deposit$500
Min Balance$500
DetailsCD Special promotional certificate
Last Updated10/14/2026
Rate History
1 change since Sep 19, 2026 · 4.05% → 4.15% ▲ 0.10 pts · high 4.15% / low 4.05%
Oct 11, 20264.15%▲ from 4.05%
Sep 19, 20264.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 60 month
0.75%
0.75%
60 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 48 month
0.65%
0.65%
48 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 36 month
0.55%
0.55%
36 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 24 month
0.45%
0.45%
24 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Statement IRA (18 month)
0.40%
0.40%
18 month
Min Deposit$500
Min Balance$500
DetailsIRA certificate
Last Updated10/14/2026
Rate History
No change since Oct 3, 2026 · 0.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 18 month
0.35%
0.35%
18 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 15 month
0.30%
0.30%
15 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 12 month
0.25%
0.25%
12 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 3 month
0.20%
0.20%
3 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 6 month
0.20%
0.20%
6 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Certificates of Deposit - 9 month
0.20%
0.20%
9 Months
Min Deposit$500
Min Balance$500
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Savings Rates
Product
Rate
APY
View More
Passbook/Statement/Club
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsMinimum balance to open account & obtain APY
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Savings Accounts - Passbook/Statement/Club
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsMinimum Balance to Open Account & Obtain APY
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Money Market Rates
Product
Rate
APY
View More
Prestige Money Market Deposit Account
0.55%
0.55%
Min Balance$500,000
DetailsBalance: $500,000 to $2,999,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Prestige Money Market Deposit Account
0.55%
0.55%
Min Balance$250,000
DetailsBalance: $250,000 to $499,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Prestige Money Market Deposit Account
0.55%
0.55%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Prestige Money Market Deposit Account
0.40%
0.40%
Min Balance$3,000,000
DetailsBalance: $3,000,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Prestige Money Market Deposit Account
0.40%
0.40%
Min Balance$25,000
DetailsBalance: $25,000 to $99,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Prestige Money Market Deposit Account
0.40%
0.40%
Min Balance$10
DetailsBalance: $10 to $24,999.99
Last Updated10/14/2026
Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook Money Market Deposit Account
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook Money Market Deposit Account
0.05%
0.05%
Min Balance$10
DetailsBalance: $10.00 to $999.99
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Checking Rates
Product
Rate
APY
View More
Super NOW Checking
0.10%
0.10%
Min Balance$2,000
DetailsBalance: $2,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Classic NOW Checking
0.05%
0.05%
Min Deposit$100
Min Balance$10
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Super NOW Checking
0.05%
0.05%
Min Balance$10
DetailsBalance: $10 to $1,999.99
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Homestart 7/1 ARM 30 Year (Caps 2/6 - Margin 2.875)
5.875%
0.00
6.829%
30 years
Details1-4 Family Owner Occupied Only; Caps 2/6 - Margin 2.875; Year 1-7 rate 5.875%; Year 8-30 rate 7.375%; APR based upon 20% down payment; Up to 97% financing; pricing adjustments may apply
Last Updated10/14/2026
Rate History
1 change since Oct 7, 2026 · 6.89% → 6.83% ▼ 0.07 pts · high 6.89% / low 6.83%
Details1-4 Family Owner Occupied Only; APR based upon 20% down payment and a loan term of 30 years; Year 1-10, rate 6.625%; Year 11-30, rate 7.375%
Last Updated10/14/2026
Rate History
1 change since Oct 7, 2026 · 7.03% → 7.12% ▲ 0.08 pts · high 7.12% / low 7.03%
Oct 11, 20267.12%▲ from 7.03%
Oct 7, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
ONE Mortgage 30 Year Fixed (Purchases only)
7.00%
0.00
7.131%
30 years
Details1-4 Family Owner Occupied Only; Property location and income restrictions apply; APR based upon 20% down payment; Up to 97% financing; pricing adjustments may apply
Last Updated10/14/2026
Rate History
3 changes since Sep 15, 2026 · 6.50% → 7.13% ▲ 0.63 pts · high 7.13% / low 6.50%
Oct 11, 20267.13%▲ from 7.00%
Oct 1, 20267.00%▲ from 6.75%
Sep 19, 20266.75%▲ from 6.50%
Sep 15, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Conforming - First Mortgage Loans - 15 Year
7.00%
0.00
7.176%
15 Year
Details1-4 Family Owner Occupied Only; APR based upon 20% down payment; Pricing adjustments may apply based upon credit score, loan-to-value, property type, and/or occupancy
Last Updated10/14/2026
Rate History
1 change since Oct 7, 2026 · 7.30% → 7.18% ▼ 0.13 pts · high 7.30% / low 7.18%
Oct 11, 20267.18%▼ from 7.30%
Oct 7, 20267.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Jumbo - First Mortgage Loans - 30 Year
7.25%
0.00
7.333%
30 Year
Details1-4 Family Owner Occupied Only; APR based upon 20% down payment
Last Updated10/14/2026
Rate History
1 change since Sep 15, 2026 · 6.95% → 7.33% ▲ 0.38 pts · high 7.33% / low 6.95%
Oct 14, 20267.33%▲ from 6.95%
Sep 15, 20266.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Fixed Rate Conforming - First Mortgage Loans - 30 Year
7.25%
0.00
7.362%
30 Year
Details1-4 Family Owner Occupied Only; APR based upon 20% down payment; Pricing adjustments may apply based upon credit score, loan-to-value, property type, and/or occupancy
Last Updated10/14/2026
Rate History
1 change since Oct 7, 2026 · 7.49% → 7.36% ▼ 0.13 pts · high 7.49% / low 7.36%
Oct 14, 20267.36%▼ from 7.49%
Oct 7, 20267.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Equity Edge Loan (10 Year Fixed Rate Term)
6.125%
0.00
6.14%
10 years
Details1-4 Family Owner Occupied Only; Home Equity Programs
Last Updated10/14/2026
Rate History
1 change since Sep 19, 2026 · 6.27% → 6.14% ▼ 0.13 pts · high 6.27% / low 6.14%
Oct 1, 20266.14%▼ from 6.27%
Sep 19, 20266.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
HELOC Equity Edge Line of Credit (10 Year Draw Period - 10 Year Repayment)
6.24%
0.00
6.24%
10 year
Details1-4 Family Owner Occupied Only; 6.24% APR fixed for first 6 months; afterward variable at Prime Rate plus 0.00% (currently 7.00%), maximum APR 18%, minimum APR 4.24%; Home Equity Programs
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 6.24% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Equity Edge Loan (15 Year Fixed Rate Term)
6.875%
0.00
6.886%
15 years
Details1-4 Family Owner Occupied Only; Home Equity Programs
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 6.89% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Home Equity Equity Edge Loan (20 Year Fixed Rate Term)
7.00%
0.00
7.009%
20 years
Details1-4 Family Owner Occupied Only; Home Equity Programs
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 7.01% APR · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Winter Hill Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Equity Edge Line of Credit
6.24%
0.00
6.24%
6 months
DetailsTerm: 6 months introductory; Home Equity Program; introductory rate 6.24% fixed for the first 6 months; after introductory period APR is variable at Prime Rate plus 0.00% (currently 7.00%) per Wall Street Journal; maximum APR 18%, minimum APR 4.24%; 1-4 Family Owner Occupied Only
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.24% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook MMDA
0.10%
-
0.10%
Min Balance$1,000
DetailsBalance: $1,000 and over
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Passbook MMDA
0.05%
-
0.05%
Min Balance$10
DetailsBalance: $10.00 to $999.99
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
Winter 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
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
$408M
0.00%
5.0
A+
March 31, 2026
$419M
0.00%
5.0
A+
December 31, 2025
$421M
0.00%
5.0
A+
September 30, 2025
$415M
1.28%
5.0
A+
June 30, 2025
$420M
1.29%
5.0
A+
March 31, 2025
$431M
1.30%
5.0
A+
December 31, 2024
$432M
1.32%
5.0
A+
September 30, 2024
$440M
0.00%
5.0
A+
June 30, 2024
$443M
0.00%
5.0
A+
March 31, 2024
$445M
0.00%
5.0
A+
December 31, 2023
$447M
0.76%
5.0
A+
September 30, 2023
$434M
0.00%
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 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 NameWinter Hill Bank
FDIC Certificate #28213
Address
342 Broadway,
Somerville, MA 02145 · Middlesex
Winter Hill Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Winter Hill Bank
Frequently Asked Questions About Winter Hill Bank
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
12-Month CD0.25%
18-Month CD0.35%
24-Month CD0.45%
36-Month CD0.55%
48-Month CD0.65%
60-Month CD0.75%
Savings0.05%
MMA0.55%
Retrieved from our database of financial products. Rates subject to change.