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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.
 Institution for Savings Rates & Review May 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: May 3, 2026
Institution for Savings's 12-Month Term Deposit Certificate rates are at 4.05%, 24-Month Term Deposit Certificate rates are at 4.05%, 10-Month Term Deposit Certificate rates are at 2.25%, 13-Month Term Deposit Certificate rates are at 2.25%, 14-Month Term Deposit Certificate rates are at 2.25%. Institution for Savings's savings rates are at 0.25%. Institution for Savings's money market rates are at 0.10%. Institution for Savings's 10 Year Fixed rates are at 4.50%, 10 Year Fixed rates are at 4.75%, 30 Year Fixed rates are at 4.99%, 15 Year Fixed rates are at 5.00%, 15 Year Fixed rates are at 5.25%. MonitorBankRates evaluates the financial stability of Institution for Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.11%. Rates were last updated on 05/03/2026. 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 CD Rates
Institution for Savings Savings Rates
Institution for Savings Money Market Rates
Institution for Savings Checking Rates
Institution for Savings Mortgage Rates
Institution for Savings Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Institution for Savings 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 Institution for Savings 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 Institution for Savings's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Institution for Savings
Bank Holding Company
IFS 1820 BCORP MHC
Address
93 State St,
Newburyport, MA 01950 · Essex
FDIC Certificate #
90250
Established
01/01/1820
FDIC Insurance Date
08/13/1985
Domestic Offices
13
Total Branches
13
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.11%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5870%
Return on Equity (ROE)
5.2900%
Non-Performing Loans (NPL)
0.01%
Total Assets
$5,372,290,000
Total Deposits
$3,179,286,000
Equity Capital
$668,188,000
Net Income
$48,630,000
Headquarters
Newburyport
Total Offices
13
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsxzUR
December 17, 2025
UmXJ
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Frequently Asked Questions About Institution for SavingsIs Institution for Savings a safe place to deposit money?Yes, Institution for Savings is considered a safe financial institution. With a Texas Ratio of 0.10887276500289%, the institution's financial health is rated as excellent. 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 Institution for Savings operate?Institution for Savings currently maintains approximately 13 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, Institution for Savings 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, Institution for Savings provides members with tools to manage their accounts and build a solid financial history. Does Institution for Savings offer online and mobile banking?Most modern institutions like Institution for Savings 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.institutionforsavings.com. Current Institution for Savings Rates
Retrieved from our database of financial products. Rates subject to change.
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