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Haverhill Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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 11, 2026

Haverhill Bank's top rates as of October 11, 2026 are 4.25% APY on its 11-Month Certificate of Deposit (CD), 0.05% APY on savings, 2.25% APY on money market accounts, 0.05% APY on checking, and auto loans from 7.375% APR, according to rates verified by MonitorBankRates. Other Haverhill Bank CD rates include 7-Month Certificate of Deposit (CD) at 4.25%, IRA 12-Month fixed at 3.60%, and IRA 12-Month variable at 3.60%. MonitorBankRates evaluates the financial stability of Haverhill Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.02%. Rates last updated and verified on 10/11/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
1.02%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Haverhill Bank
180 Merrimack St
Haverhill, MA 01830
https://www.haverhillbank.com
MemberFDIC
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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.

Haverhill Bank CD Rates

Product Rate APY Term View More
11-Month Certificate of Deposit (CD) - 4.25% 11-Month
Min Deposit $500
Min Balance $500
Details The Annual Percentage Yield (APY) for the 7-Month and 11-Month Certificate of Deposit (CD) is 4.25% as of 10/02/2026. A minimum balance of $500 is required to earn stated APY. A penalty may be imposed for early withdrawl. Fees may reduce earnings. Rates are subject to change without notice.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 7, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
7-Month Certificate of Deposit (CD) - 4.25% 7-Month
Min Deposit $500
Min Balance $500
Details The Annual Percentage Yield (APY) for the 7-Month and 11-Month Certificate of Deposit (CD) is 4.25% as of 10/02/2026. A minimum balance of $500 is required to earn stated APY. A penalty may be imposed for early withdrawl. Fees may reduce earnings. Rates are subject to change without notice.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 7, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 12 month fixed 3.54% 3.60% 12 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 12 month variable 3.54% 3.60% 12 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 18 month fixed 3.54% 3.60% 18 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 18 month variable 3.54% 3.60% 18 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 24 month fixed 3.54% 3.60% 24 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 24 month variable 3.54% 3.60% 24 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 36 month fixed 3.30% 3.35% 36 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 36 month variable 3.30% 3.35% 36 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 60 month fixed 3.30% 3.35% 60 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
IRA 60 month variable 3.30% 3.35% 60 month
Min Deposit $25
Min Balance $10
Details Minimum daily average balance to earn the Annual Percentage Yield is $10.00. Interest compounded monthly. A penalty may be imposed for withdrawal before maturity. Withdrawal of interest will reduce earnings. Please see Terms & Conditions for full account details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Savings Rates

Product Rate APY View More
Christmas/Name Your Own Club 0.25% 0.25%
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Savings 0.05% 0.05%
Min Deposit $10
Min Balance $10
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Money Market Rates

Product Rate APY View More
Money Market 2.23% 2.25%
Min Deposit $1,000
Min Balance $1,000,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 1.98% 2.00%
Min Deposit $1,000
Min Balance $250,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 1.98% 2.00%
Min Deposit $1,000
Min Balance $500,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 0.90% 0.90%
Min Deposit $1,000
Min Balance $50,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 27, 2026: 0.90% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 0.90% 0.90%
Min Deposit $1,000
Min Balance $100,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 27, 2026: 0.90% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 0.20% 0.20%
Min Deposit $1,000
Min Balance $10,000
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Money Market 0.05% 0.05%
Min Deposit $1,000
Min Balance $0
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Checking Rates

Product Rate APY View More
NOW Checking 0.05% 0.05%
Min Deposit $50
Min Balance $10
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity 7.125% - 7.125% 5 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.75% → 7.13% ▲ 0.38 pts · high 7.13% / low 6.75%
6.25%6.94%7.63%Sep 15, 2026: 6.75% APRSep 24, 2026: 7.00% APROct 1, 2026: 7.13% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.13%▲ from 7.00%
  • Sep 24, 20267.00%▲ from 6.75%
  • Sep 15, 20266.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Fixed Rate Home Equity 7.25% - 7.25% 10 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88%
6.38%7.06%7.75%Sep 15, 2026: 6.88% APRSep 24, 2026: 7.13% APROct 1, 2026: 7.25% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.25%▲ from 7.13%
  • Sep 24, 20267.13%▲ from 6.88%
  • Sep 15, 20266.88%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Fixed Rate Home Equity 7.375% - 7.375% 20 Years
Details Minimum loan amount of $20,000 to a maximum of $250,000. The combined cumulative loan-to-value not to exceed secondary market guidelines. Additional restrictions and conditions may apply. Subject to credit approval. Rates and APRs are subject to change without notice. Contact a mortgage originator at Haverhill Bank for details or apply directly online.
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 7.00% → 7.38% ▲ 0.38 pts · high 7.38% / low 7.00%
6.50%7.19%7.88%Sep 15, 2026: 7.00% APRSep 24, 2026: 7.25% APROct 1, 2026: 7.38% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20267.38%▲ from 7.25%
  • Sep 24, 20267.25%▲ from 7.00%
  • Sep 15, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Auto Loan Rates

Product Rate Points APR Term View More
New & Used Auto Purchases 7.375% - 7.375% 36 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 7.25% → 7.38% ▲ 0.13 pts · high 7.38% / low 7.25%
6.75%7.31%7.88%Sep 27, 2026: 7.25% APROct 3, 2026: 7.38% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20267.38%▲ from 7.25%
  • Sep 27, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
New & Used Auto Purchases 7.625% - 7.625% 48 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 7.50% → 7.63% ▲ 0.13 pts · high 7.63% / low 7.50%
7.00%7.56%8.13%Sep 27, 2026: 7.50% APROct 3, 2026: 7.63% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20267.63%▲ from 7.50%
  • Sep 27, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
New & Used Auto Purchases 7.875% - 7.875% 60 Months
Details All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 7.75% → 7.88% ▲ 0.13 pts · high 7.88% / low 7.75%
7.25%7.81%8.38%Sep 27, 2026: 7.75% APROct 3, 2026: 7.88% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20267.88%▲ from 7.75%
  • Sep 27, 20267.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Used Auto Purchases 8.125% - 8.125% 36 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 8.00% → 8.13% ▲ 0.13 pts · high 8.13% / low 8.00%
7.50%8.06%8.63%Sep 27, 2026: 8.00% APROct 3, 2026: 8.13% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20268.13%▲ from 8.00%
  • Sep 27, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Used Auto Purchases 8.375% - 8.375% 48 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 8.25% → 8.38% ▲ 0.13 pts · high 8.38% / low 8.25%
7.75%8.31%8.88%Sep 27, 2026: 8.25% APROct 3, 2026: 8.38% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20268.38%▲ from 8.25%
  • Sep 27, 20268.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
Used Auto Purchases 8.625% - 8.625% 60 Months
Details Documentation Required: Bill Of Sale, Insurance Binder (full coverage listing Haverhill Bank as lien holder). All Auto Loans require AutoPay from a new or existing Haverhill Bank Account. Auto Loans are for PURCHASES ONLY (product not available for refinances). Maximum 90% of lesser sales price or NADA Average Retail Value. Maximum Loan Amount: $50,000.00
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 8.50% → 8.63% ▲ 0.13 pts · high 8.63% / low 8.50%
8.00%8.56%9.13%Sep 27, 2026: 8.50% APROct 3, 2026: 8.63% APRSep 27, 2026Oct 13, 2026
  • Oct 3, 20268.63%▲ from 8.50%
  • Sep 27, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%

Haverhill Bank Other Rates

Product Rate Points APY/APR Term View More
Equity Builder Program Loan 6.625% 0 7.226% 30 Years
Details For qualified first time homebuyers only, subject to credit approval. Down payment/closing cost assistance available for owner occupied single family and 1-4 family homes, including qualified condominiums. Eligible applicants may not earn more than 80% of the area median income based on subject property address and must complete a homebuyer counseling education program administered by an agency designated by FHLB; see a Mortgage Originator for details. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value ratio greater than 80%. Maximum loan amounts apply based on conforming loan limits. Down payment/closing cost availability is not guaranteed as funds are accessed through an enrollment pool on a first-come, first-served basis.
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.84% → 7.23% ▲ 0.38 pts · high 7.23% / low 6.84%
6.34%7.03%7.73%Sep 15, 2026: 6.84% APRSep 24, 2026: 7.10% APROct 3, 2026: 7.23% APRSep 15, 2026Oct 13, 2026
  • Oct 3, 20267.23%▲ from 7.10%
  • Sep 24, 20267.10%▲ from 6.84%
  • Sep 15, 20266.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
GOLD Account 0.05% - 0.05%
Min Deposit $50
Min Balance $10
Details Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
GOLD Account 0.15% - 0.21%
Min Deposit $50
Min Balance $50,000
Details Balance: $50,000.01 and over. Interest compounded monthly. Fees could reduce earnings on accounts. Account rates are variable and may change after opening.
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.21% APY · checked 6 times
0.00%0.36%0.71%Sep 24, 2026: 0.21% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.02%
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

Haverhill Bank’s Texas Ratio stayed near 0.84% in Q3 2023 to 1.02% 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.

0% 1.0★ 0.4% 2.0★ 0.9% 3.0★ 1.3% 4.0★ 1.7% 5.0★ Healthy zone – entire history below the 15% limit 0.84% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.02% A+ Q2 2026
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$637M1.02%5.0A+
March 31, 2026$638M1.26%5.0A+
December 31, 2025$636M1.27%5.0A+
September 30, 2025$638M0.55%5.0A+
June 30, 2025$621M0.17%5.0A+
March 31, 2025$621M0.53%5.0A+
December 31, 2024$616M0.54%5.0A+
September 30, 2024$610M0.64%5.0A+
June 30, 2024$601M0.49%5.0A+
March 31, 2024$594M0.42%5.0A+
December 31, 2023$592M0.49%5.0A+
September 30, 2023$578M0.84%5.0A+
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 Haverhill 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 Haverhill 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 Haverhill Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Haverhill Bank
Bank Holding Company HB HOLDINGS MHC
Address 180 Merrimack St, Haverhill, MA 01830  ·  Essex
Website https://www.haverhillbank.com
FDIC Certificate # 26411
Established 18770101
FDIC Insurance Date 19851024
Domestic Offices 7
Total Branches 7
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
1.02%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.5254%
Return on Equity (ROE) 15.7400%
Non-Performing Loans (NPL) 0.10%
Total Assets $636,836,000
Total Deposits $507,639,000
Equity Capital $64,726,000
Net Income $4,859,000
Headquarters Haverhill
Total Branches and Offices 7
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Haverhill 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.

<a href="https://www.monitorbankrates.com/banks/haverhill-bank-rates-review-26411">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Haverhill Bank

How many branches does Haverhill Bank operate?

Haverhill Bank currently maintains approximately 7 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, Haverhill 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, Haverhill Bank provides members with tools to manage their accounts and build a solid financial history.

Does Haverhill Bank offer online and mobile banking?

Most modern institutions like Haverhill 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.haverhillbank.com.

Current Haverhill Bank Rates

  • 12-Month CD3.60%
  • 18-Month CD3.60%
  • 24-Month CD3.60%
  • 36-Month CD3.35%
  • 60-Month CD3.35%
  • Savings0.05%
  • MMA2.25%
Retrieved from our database of financial products. Rates subject to change.

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