What are the current interest rates at Institution for Savings?

Current rates for Institution for Savings include: 12-Month CD: 0.25%, 18-Month CD: 2.25%, 24-Month CD: 2.25%, 36-Month CD: 2.25%, 48-Month CD: 2.25%, 60-Month CD: 2.25%, Savings: 3.50%, MMA: 3.25%

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Institution for Savings Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Institution for Savings's top rates as of October 7, 2026 are 4.50% APY on its 15-Month Certificate, 3.50% APY on savings, 3.25% APY on money market accounts, 0.25% APY on checking, and 5.00% on its First-Time/Affordable Homebuyer Loan - 10 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Institution for Savings CD rates include 30-Month Certificate at 4.40%, 7-Month Certificate at 4.10%, and 10-Month Certificate at 2.25%. Other Institution for Savings mortgage rates include First-Time/Affordable Homebuyer Loan - 10 Year Fixed at 5.25%, 30 Year Fixed at 5.625%, and First-Time/Affordable Homebuyer Loan - 15 Year Fixed at 5.50%. 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 0.22%. Rates last updated and verified on 10/07/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.22%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Institution for Savings in Newburyport and Its Vicinity

93 State St
Newburyport, MA 01950

https://www.institutionforsavings.com

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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.

Institution for Savings CD Rates

Product	Rate	APY	Term
15 Month Certificate	4.40%	4.50%	15 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Month Certificate	4.31%	4.40%	30 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 4.25% → 4.40% ▲ 0.15 pts · high 4.40% / low 4.25% Oct 7, 20264.40%▲ from 4.25% Sep 19, 20264.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
7 Month Certificate	4.02%	4.10%	7 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 7, 20264.10%▲ from 4.00% Sep 19, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
10 Month Certificate	2.23%	2.25%	10 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
12 Month Certificate	2.23%	2.25%	12 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
13 Month Certificate	2.23%	2.25%	13 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
14 Month Certificate	2.23%	2.25%	14 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
16 Month Certificate	2.23%	2.25%	16 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
18 Month Certificate	2.23%	2.25%	18 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
20 Month Certificate	2.23%	2.25%	20 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
23 Month Certificate	2.23%	2.25%	23 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
24 Month Certificate	2.23%	2.25%	24 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
3 Month Certificate	2.23%	2.25%	3 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
36 Month Certificate	2.23%	2.25%	36 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
40 Month Certificate	2.23%	2.25%	40 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
48 Month Certificate	2.23%	2.25%	48 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
6 Month Certificate	2.23%	2.25%	6 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
60 Month Certificate	2.23%	2.25%	60 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
9 Month Certificate	2.23%	2.25%	9 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
11 Month Certificate	0.50%	0.50%	11 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
11 Month Penalty Free	0.25%	0.25%	11 Month
Min Deposit $500 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Savings Rates

Product	Rate	APY
Gold Online Savings	3.44%	3.50%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 -$500,000 (plus interest paid) Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Savings Account	-	3.50%
Min Deposit $100,000 Min Balance $100,000 Details Maximum balance allowed is $500,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Account is limited to consumers and must be opened online; individual or joint ownership only. This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Savings	1.78%	1.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: Balances $25,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold Online Savings	0.50%	0.50%
Min Deposit $100,000 Min Balance $0 Details Balance: less than $100,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Savings Account	-	0.50%
Min Deposit $100,000 Min Balance $0 Details Maximum balance allowed is $500,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. Balances of $100,000 to $500,000 earn 3.50% APY; balances less than $100,000 earn 0.50% APY. Account is limited to consumers and must be opened online; individual or joint ownership only. This account may only be funded with NEW MONEY not on deposit at the Institution for Savings. Account is limited to one account per primary account owner. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Preferred Savings	0.40%	0.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Preferred Savings	0.25%	0.25%
Min Deposit $50,000 Min Balance $0 Details Balance: less than $50,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Statement Savings	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: less than $10,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Savings Rates

Product	Rate	APY
BUSINESS Savings ACCOUNTS	-	3.50%
Min Deposit $25,000 Min Balance $25,000 Details APY denotes Annual Percentage Yield. A minimum balance of $25,000 is required to open and avoid a $10 monthly service charge. Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 0.50% → 3.50% ▲ 3.00 pts · high 3.50% / low 0.50% Oct 7, 20263.50%▲ from 0.50% Sep 27, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Savings	1.78%	1.80%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Savings	0.50%	0.50%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Preferred Savings	0.40%	0.40%
Min Deposit $50,000 Min Balance $50,000 Details Balance: Balances $50,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Savings	0.25%	0.25%
Min Deposit $25,000 Min Balance $0 Details Balance: less than $25,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Preferred Savings	0.25%	0.25%
Min Deposit $50,000 Min Balance $0 Details Balance: Balances less than $50,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Statement Savings	0.25%	0.25%
Min Deposit $1,000 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Savings	0.25%	0.25%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Money Market Rates

Product	Rate	APY
Sapphire Money Market	3.20%	3.25%
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000-$4,000,000 (plus interest paid) Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Sapphire Money Market - Gold Money Market	2.96%	3.00%
Min Balance $250,000 Details Balance: Balances $250,000 and above Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $1,000,000 Details Balance: Balances $1,000,000-$1,999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $2,000,000 Details Balance: Balances $2,000,000 and above Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond Money Market	1.83%	1.85%
Min Deposit $500,000 Min Balance $500,000 Details Balance: Balances $500,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Sapphire Money Market	1.49%	1.50%
Min Deposit $2,000,000 Min Balance $0 Details Balance: less than $2,000,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.50%	0.50%
Min Deposit $250,000 Min Balance $1,000,000 Details Balance: Balances $1,000,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.40%	0.40%
Min Deposit $250,000 Min Balance $500,000 Details Balance: Balances $500,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.30%	0.30%
Min Deposit $250,000 Min Balance $250,000 Details Balance: Balances $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Super Money Market	0.25%	0.25%
Min Deposit $150,000 Min Balance $250,000 Details Balance: Balances $250,000.00 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Super Money Market	0.15%	0.15%
Min Deposit $150,000 Min Balance $150,000 Details Balance: Balances $150,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market - Traditional Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $0 Details Balance: Balances less than $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium Money Market - Traditional Money Market	0.10%	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: Balances $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Money Market Rates

Product	Rate	APY
BUSINESS MONEY MARKET ACCOUNTS	-	3.25%
Min Balance $2,000,000 Details Maximum balance allowed is $4,000,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $2,000,000 is required to open the account and avoid a $10 monthly service charge. Balances of $2,000,000 to $4,000,000 earn 3.25% APY; balances less than $2,000,000 earn 1.50% APY. Account is available to individuals and businesses, not available for municipalities or other public funds. All accounts must be opened in person and are limited to one account per primary account owner. Fees may reduce earnings. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 7, 20263.25%▲ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sapphire Money Market	3.20%	3.25%
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000-$4,000,000 (plus interest paid) Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Gold Money Market	2.96%	3.00%
Min Deposit $250,000 Min Balance $250,000 Details Balance: Balances $250,000-$1,000,000 (plus interest paid) Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
BUSINESS MONEY MARKET ACCOUNTS	-	3.00%
Min Balance $250,000 Details Maximum balance allowed is $1,000,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 to $1,000,000 earn 3.00% APY; balances less than $250,000 earn 1.50% APY. Funds over $1,000,000, excluding interest paid, will be returned to account owners. All accounts must be opened in person and are limited to one account per primary account owner. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $1,000,000 Details Balance: Balances $1,000,000-$1,999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.98%	2.00%
Min Deposit $500,000 Min Balance $2,000 Details Balance: Balances $2,000,000 and above Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
BUSINESS MONEY MARKET ACCOUNTS	-	2.00%
Min Balance $500,000 Details Rates are variable and subject to change at any time without notice. A minimum balance of $500,000.00 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $20 million. Fees may reduce earnings. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 2.00% ▼ 1.00 pts · high 3.00% / low 2.00% Oct 7, 20262.00%▼ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Diamond Money Market	1.83%	1.85%
Min Deposit $500,000 Min Balance $500,000 Details Balance: Balances $500,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Gold Money Market	1.49%	1.50%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
BUSINESS MONEY MARKET ACCOUNTS	-	1.50%
Min Balance $0 Details Balances less than $2,000,000; Maximum balance allowed is $4,000,000 plus interest paid. Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $2,000,000 is required to open the account and avoid a $10 monthly service charge. Balances of $2,000,000 to $4,000,000 earn 3.25% APY; balances less than $2,000,000 earn 1.50% APY. Account is available to individuals and businesses, not available for municipalities or other public funds. All accounts must be opened in person and are limited to one account per primary account owner. Fees may reduce earnings. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 1.50% ▼ 1.50 pts · high 3.00% / low 1.50% Oct 7, 20261.50%▼ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sapphire Money Market	1.49%	1.50%
Min Deposit $2,000,000 Min Balance $0 Details Balance: less than $2,000,000 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
BUSINESS MONEY MARKET ACCOUNTS	-	0.50%
Min Balance $250,000 Details Rates are variable and subject to change at any time without notice. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $20 million. Fees may reduce earnings. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 0.50% ▼ 2.50 pts · high 3.00% / low 0.50% Oct 7, 20260.50%▼ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.50%	0.50%
Min Deposit $250,000 Min Balance $1,000,000 Details Balance: Balances $1,000,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.40%	0.40%
Min Deposit $250,000 Min Balance $500,000 Details Balance: Balances $500,000-$999,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.30%	0.30%
Min Deposit $250,000 Min Balance $250,000 Details Balance: Balances $250,000-$499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Super Money Market	0.25%	0.25%
Min Deposit $150,000 Min Balance $250,000 Details Balance: Balances $250,000 and up Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
BUSINESS MONEY MARKET ACCOUNTS	-	0.15%
Min Balance $2,500 Details Rates are variable and subject to change at any time without notice. A minimum balance of $2,500 is required to open and avoid a $10 monthly service charge. Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 0.15% ▼ 2.85 pts · high 3.00% / low 0.15% Oct 7, 20260.15%▼ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Super Money Market	0.15%	0.15%
Min Deposit $150,000 Min Balance $150,000 Details Balance: Balances $150,000-$249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Titanium Money Market	0.15%	0.15%
Min Deposit $250,000 Min Balance $0 Details Balance: Balances less than $250,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: Balances $100,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: Balances $2,500-$49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Traditional Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: Balances $50,000-$99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Checking Rates

Product	Rate	APY
18/65 Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Collegiate Checking	0.25%	0.25%
Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Personal Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Personal Bonus Checking	0.10%	0.10%
Min Deposit $10 Min Balance $0 Details Funds In Excess of $50,000 and Non-Qualifying Balance Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Business Checking Rates

Product	Rate	APY	View More
Simple Business NOW Checking	0.25%	0.25%
Min Deposit $10 Min Balance $0 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Mortgage Rates

Product	Rate	Points	APR	Term
First-Time/Affordable Homebuyer Loan - 10 Year Fixed	5.00%	1.000	5.411%	10 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.41% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 10 Year Fixed	5.25%	0.000	5.441%	10 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.44% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
30 Year Fixed	5.625%	0	5.671%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.58% → 5.67% ▼ 0.91 pts · high 6.71% / low 5.67% Oct 7, 20265.67%▼ from 6.71% Oct 1, 20266.71%▲ from 6.58% Sep 15, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 15 Year Fixed	5.50%	2.000	5.951%	15 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 15 Year Fixed	5.75%	1.000	6.044%	15 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 15 Year Fixed	6.00%	0.000	6.137%	15 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.14% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 20 Year Fixed	6.00%	1.000	6.235%	20 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	6.00%	2.000	6.274%	30 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 20 Year Fixed	6.25%	0.000	6.36%	20 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	6.25%	1.000	6.43%	30 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	6.50%	0.500	6.633%	30 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.63% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
First-Time/Affordable Homebuyer Loan - 30 Year Fixed	6.625%	0.000	6.71%	30 Year
Details All other Purchase and Refinance Loans; Minimum Credit Score: 720 Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 5.55% → 6.71% ▲ 1.17 pts · high 6.71% / low 5.55% Oct 7, 20266.71%▲ from 5.67% Oct 1, 20265.67%▲ from 5.55% Sep 15, 20265.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
5/1 ARM	5.75%	0.000	6.734%
Details Additional Terms* Last Updated 10/07/2026 Rate History 1 change since Sep 19, 2026 · 6.41% → 6.73% ▲ 0.32 pts · high 6.73% / low 6.41% Oct 7, 20266.73%▲ from 6.41% Sep 19, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 5 Year	6.00%	-	6.127%	5 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.13% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 10 Year	6.25%	-	6.318%	10 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.32% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Home Equity Line of Credit	-	-	6.50%
Details Prime Minus .50%** Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Oct 7, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 15 Year	7.50%	-	7.55%	15 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.55% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Fixed Rate Home Equity Loan - 20 Year	7.75%	-	7.791%	20 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.79% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

Institution for Savings Other Rates

Product	Rate	Points	APY/APR
Business Sweep Account	0.25%	-	0.25%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sweep Account	0.35%	-	0.35%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Business Sweep Account	0.50%	-	0.50%
Min Balance $500,000 Details Balance: $500,000 and above Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Diamond	-	-	1.50%
Min Balance $0 Details Balances less than $2,000,000; Rates are variable and subject to change at any time without notice. A minimum balance of $500,000.00 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $20 million. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold	-	-	3.00%
Min Balance $250,000 Details Balances $250,000 and above; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 and above earn 3.00% APY; balances less than $250,000 earn 1.50% APY. All accounts must be opened in person. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Gold	-	-	1.50%
Min Balance $0 Details Balances less than $250,000; Rates are variable and subject to change at any time without notice. This is a tiered rate account. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Balances of $250,000 and above earn 3.00% APY; balances less than $250,000 earn 1.50% APY. All accounts must be opened in person. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Titanium	-	-	1.50%
Min Balance $0 Details Balances less than $1,000,000; Rates are variable and subject to change at any time without notice. A minimum balance of $250,000.00 is required to open the account and avoid a $10 monthly service charge. Maximum balance is $20 million. Fees may reduce earnings. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional	-	-	0.15%
Min Balance $100,000 Details Balances $100,000 and above; Rates are variable and subject to change at any time without notice. A minimum balance of $1,000 is required to open and avoid a $5 monthly service charge. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%
Traditional	-	-	1.50%
Min Balance $0 Details Balances less than $100,000; Rates are variable and subject to change at any time without notice. A minimum balance of $1,000 is required to open and avoid a $5 monthly service charge. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.22%

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

Institution for Savings’s Texas Ratio stayed near 0.11% in Q3 2023 to 0.22% 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	$5.6B	0.22%	5.0	A+
March 31, 2026	$5.4B	0.12%	5.0	A+
December 31, 2025	$5.4B	0.12%	5.0	A+
September 30, 2025	$5.4B	0.08%	5.0	A+
June 30, 2025	$5.4B	0.15%	5.0	A+
March 31, 2025	$5.3B	0.12%	5.0	A+
December 31, 2024	$5.3B	0.18%	5.0	A+
September 30, 2024	$5.2B	0.21%	5.0	A+
June 30, 2024	$5.2B	0.20%	5.0	A+
March 31, 2024	$5.1B	0.09%	5.0	A+
December 31, 2023	$5.0B	0.10%	5.0	A+
September 30, 2023	$5.0B	0.11%	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 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

Website https://www.institutionforsavings.com

FDIC Certificate # 90250

Established 18200101

FDIC Insurance Date 19850813

Domestic Offices 13

Total Branches 13

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.22%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0518%

Return on Equity (ROE) 8.4600%

Non-Performing Loans (NPL) 0.03%

Total Assets $5,564,409,000

Total Deposits $3,366,877,000

Equity Capital $694,578,000

Net Income $28,649,000

Headquarters Newburyport

Total Branches and Offices 13

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Institution for Savings earned the Verified Healthy badge

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Frequently Asked Questions About Institution for Savings

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.