Institution for Savings CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 5.15%, 6-month CD rates at 5.25% and 3-month CD rates at 3.35%. Current savings rates are at 4.25% and money market rates are at 1.51%. Mortgage rates today on 30-year fixed loans are around 6.62%. Credit Card rates are at 12.74%. Personal Loan rates are at 16.25%. All these rates, and more, can be found in our database of rates. Institution for Savings's 12-Month CD Special rates are at 5.25%, 36-Month CD rates are at 2.50%, 24-Month CD rates are at 2.25%, 60-Month CD rates are at 1.00%, 48-Month CD rates are at 0.75%. Institution for Savings's savings rates are at 2.05%. Institution for Savings's money market rates are at 4.50%. Institution for Savings's 5/1 ARM rates are at 6.50%, 7/1 ARM rates are at 6.75%, 30-Year Fixed rates are at 6.38%, 15-Year Fixed rates are at 5.50%.

Institution for Savings

To see how these rates compare to Institution for Savings CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Institution for Savings, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Institution for Savings CD rates. You can also compare Institution for Savings savings rates, MMA rates and mortgage rates using our other rate lists.

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

Institution for Savings Texas Ratio

Institution for Savings's Texas Ratio is at 0.18%, which is considered excellent. The Texas Ratio for Institution for Savings is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Institution for Savings is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.25%
18-Month CD
0.50%
24-Month CD
2.25%
36-Month CD
2.50%
48-Month CD
0.75%
60-Month CD
1.00%
Savings
2.05%
MMA
4.50%
30-Year Fixed
6.60%
Credit Card
N/A
Personal Loan
N/A
Institution for Savings
93 State St
Newburyport, MA 01950
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Institution for Savings CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Institution for Savings
Institution for Savings
12-Month CD Special
5.25%
$500
Institution for Savings
Institution for Savings
Sapphire Money Market
4.50%
$2,000,000
Institution for Savings
Institution for Savings
Business Sapphire Money Market
4.50%
$2,000,000
Institution for Savings
Institution for Savings
36-Month CD
2.50%
$500
Institution for Savings
Institution for Savings
24-Month CD
2.25%
$500
Institution for Savings
Institution for Savings
Diamond Savings Account
2.05%
$25,000
Institution for Savings
Institution for Savings
60-Month CD
1.00%
$500
Institution for Savings
Institution for Savings
48-Month CD
0.75%
$500
Institution for Savings
Institution for Savings
18-Month CD
0.50%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Institution for Savings Mortgage Rates

Lender
Product
Rate
APR
Points
Institution for Savings
Institution for Savings
15-Year Fixed
5.500%
5.868%
2.000
Institution for Savings
Institution for Savings
30-Year Fixed
6.375%
6.603%
2.000
Institution for Savings
Institution for Savings
7/1 ARM
6.750%
7.312%
0.000
Institution for Savings
Institution for Savings
5/1 ARM
6.500%
7.345%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Institution for Savings Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Prime Alliance Bank
Prime Alliance Bank
6-Month CD
5.30%
$500
Three Rivers Bank of Montana
Three Rivers Bank of Montana
Kasasa Saver Savings Account
5.00%
$100
West Shore Bank
West Shore Bank
18-Month CD special
4.78%
$5,000
HSBC Trust Company (Delaware)
HSBC Trust Company (Delaware)
12-Month CD Online
4.70%
$0
Barclays Bank
Barclays Bank
Online Savings Account
4.35%
$0
International Bank of Chicago
International Bank of Chicago
Money Market Account
4.25%
$250,000
Fidelity
Fidelity
60-Month CD New Issue
4.20%
$1,000
SSB Scott State Bank
SSB Scott State Bank
15-Month CD (special)
4.06%
$10,000
Sloan State Bank
Sloan State Bank
12-Month CD
4.06%
$1,000
Atkins Savings B&T
Atkins Savings B&T
24-Month CD Adjust-A-Rate
4.04%
$1,000
FNB of Bangor
FNB of Bangor
60-Month CD
3.80%
$1,000
The Seymour Bank
The Seymour Bank
3-Month CD
3.70%
$1,000
Bank of Brenham
Bank of Brenham
12-Month CD Jumbo
3.64%
$100,000
Yampa Valley Bank
Yampa Valley Bank
Money Market Premier Variable Rate
3.60%
$500,000
FNB of Bangor
FNB of Bangor
48-Month CD
3.55%
$1,000
Kennett Trust Bank
Kennett Trust Bank
12-Month CD
3.50%
$500
SouthStar Bank
SouthStar Bank
60-Month CD
3.44%
$1,000
Freedom Bank Columbia Falls, MT
Freedom Bank Columbia Falls, MT
Money Market
3.30%
$100,000
The Bank of Princeton
The Bank of Princeton
18-Month CD
3.25%
$500
Henderson FSB
Henderson FSB
18-Month CD
3.20%
$500
SouthStar Bank
SouthStar Bank
48-Month CD
3.19%
$1,000
First Hawaiian Bank
First Hawaiian Bank
3-Month CD
3.00%
$1,000
First Security Bank Byron, MN
First Security Bank Byron, MN
48-Month CD
2.77%
$50
Superior National Bank
Superior National Bank
18-Month CD
2.37%
$500
Elizabethton FSB
Elizabethton FSB
48-Month CD
2.15%
$1,000
Timberland Bank
Timberland Bank
18-Month CD
2.12%
$500
Bradford National Bank
Bradford National Bank
12-Month CD
2.11%
$1,000
The Citizens Bank of Weston
The Citizens Bank of Weston
12-Month CD
2.02%
$500
Bank of Herrin
Bank of Herrin
48-Month CD
1.53%
$1,000
UniBank for Savings
UniBank for Savings
24-Month CD
1.25%
$500
Stockgrowers State Bank of Ashland, KS
Stockgrowers State Bank of Ashland, KS
Money Market
1.16%
$100,000
Community Bank Owatonna
Community Bank Owatonna
12-Month CD
1.15%
$1,000
Bellevue State Bank
Bellevue State Bank
60-Month CD
1.10%
$5,000
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
12-Month CD
1.00%
$1,000
Farmers State Bank Elmwood, IL
Farmers State Bank Elmwood, IL
24-Month CD
0.90%
$1,000
Columbus Bank and Trust Company
Columbus Bank and Trust Company
Savings Account
0.80%
$25,000
Farmers Bank Nicholasville, KY
Farmers Bank Nicholasville, KY
Money Market
0.60%
$2,500
First FSB of Angola
First FSB of Angola
24-Month CD
0.55%
$500
Washington Financial Bank
Washington Financial Bank
60-Month CD
0.50%
$500
North Central Bank
North Central Bank
48-Month CD
0.45%
$1,000
Century Bank and Trust GA
Century Bank and Trust GA
12-Month CD
0.40%
$500
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
36-Month CD
0.37%
$500
Schuyler Savings Bank
Schuyler Savings Bank
18-Month CD
0.35%
$1,000
1st Kansas Credit Union
1st Kansas Credit Union
Premium Account Money Market
0.35%
$2,500
State Bank of Chilton
State Bank of Chilton
Savings
0.25%
$0
Winter Hill Bank
Winter Hill Bank
3-Month CD
0.20%
$500
PNB Community Bank
PNB Community Bank
36-Month CD
0.15%
$1,000
Penn Community Bank
Penn Community Bank
Ultra Money Market
0.10%
$1,000
Chelsea Groton Bank
Chelsea Groton Bank
6-Month CD
0.05%
$500
First Citizens Bank
First Citizens Bank
12-Month CD
0.01%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Institution for Savings Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
3/5 Conforming ARM
5.000%
6.053%
0.250
6.000%
6.056%
0.000
5.000%
6.063%
0.250
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Institution for Savings Information

Institution for Savings
93 State St
Newburyport, MA 01950
Essex
Established Date: 01/01/1820
FDIC Certificate #: 90250
Date of FDIC Deposit Insurance: 08/13/1985
Bank Holding Company: IFS 1820 BCORP MHC
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is Institution for Savings FDIC Insured? Yes
What is Institution for Savings's Cert number? 90250
What is the maximum amount for insured deposits? $250,000 per holder, per account

Institution for Savings Financials

Total Assets:
$4,920,590,000
Total Deposits:
$3,609,292,000
Equity Capital:
$547,793,000
Domestic Deposits:
$3,609,292,000
Net Income:
$14,162,000
Return on Assets:
-1.6171%
Quarterly Return on Assets:
1.1600%
Pretax Return on Assets:
1.3210%
Pretax Quarterly Return on Assets:
1.3200%
Return on Equity:
-14.2900%
Quarterly Return on Equity:
10.5300%
Common Equity Tier 1 Capital Ratio:
13.9668%
Tier 1 Risk-Based Capital Ratio:
13.9668%
Leverage Tier 1 (Core Capital) Ratio:
10.5002%
Total Risk-Based Capital Ratio (YTD):
14.3734%
Total Interest Income (YTD):
3.0057%
 
 
Headquarters:
Newburyport
FDIC Field Office:
North Boston
Regulator:
FDIC
County:
Essex
# of Offices:
15
Metropolitan Statistical Area (MSA):
Boston-Cambridge-Newton, MA-NH
Consolidated Metropolitan Statistical Area (CMSA):
Boston-Worcester-Lawrence, MA-NH-ME-CT
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

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