What are the current interest rates at Marthas Vineyard Bank?

Current rates for Marthas Vineyard Bank include: Savings: 0.03%, MMA: 0.08%

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Marthas Vineyard Bank

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Marthas Vineyard Bank Rates & Review August 2026

Q: How many branches does Marthas Vineyard Bank operate?

Marthas Vineyard Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Marthas Vineyard 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Marthas Vineyard Bank 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: August 28, 2026

Marthas Vineyard Bank's savings rates are at 0.03%. Marthas Vineyard Bank's money market rates are at 0.08%. MonitorBankRates evaluates the financial stability of Marthas Vineyard Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.34%

Excellent Lower than avg

Martha's Vineyard Bank

78 Main St
Edgartown, MA 02539

https://www.mvbank.com

Marthas Vineyard Bank Money Market Rates

Product	Rate	APY
Money Market	0.11%	0.11%
Min Deposit $2,500 Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market	0.08%	0.08%
Min Deposit $2,500 Min Balance $10 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

Marthas Vineyard Bank Checking Rates

Product	Rate	APY
Money Market Checking	0.11%	0.11%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Money Market Checking	0.08%	0.08%
Min Balance $10 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Basic Checking	0.00%	0.00%
Min Deposit $10 Min Balance $1 Details Free checks and debit card. No monthly maintenance charges or hidden fees. Online and mobile banking access. Rates Effective: 11/14/2025. Rates are subject to change at any time after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%
Voyager Debit and Checking	0.00%	0.00%
Min Deposit $10 Min Balance $1 Details Qualifications Required: 10 point-of-sale debit card transactions and be enrolled in eStatement and online/mobile banking each statement cycle; Up to $15 of ATM fee refunds per month. Turn your card on or off at any time. Get your debit card on the spot at account opening. Rates Effective: 11/14/2025. Rates are subject to change at any time after the account is opened. + Minimum amount required to open a Voyager Account is $10.00.You must complete 10 point-of-sale debit card transactions and be enrolled in eStatement and online/mobile banking each statement cycle. If the requirements are met, you receive up to $15 in ATM fee refunds from non-SUM network, non-Martha's Vineyard Savings Bank ATMs. Does not apply to ATMs outside the United States. Refund will be credited at close of each statement cycle. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.34%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Marthas Vineyard 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 Marthas Vineyard 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 Marthas Vineyard Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Marthas Vineyard Bank

Bank Holding Company VINEYARD BCORP MHC

Address 78 Main St, Edgartown, MA 02539 · Dukes

Website https://www.mvbank.com

FDIC Certificate # 90190

Established 04/15/1955

FDIC Insurance Date 11/04/1985

Domestic Offices 10

Total Branches 10

Regulator FED

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

0.34%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7512%

Return on Equity (ROE) 8.0100%

Non-Performing Loans (NPL) 0.03%

Total Assets $1,283,954,000

Total Deposits $1,038,470,000

Equity Capital $142,143,000

Net Income $8,574,000

Headquarters Edgartown

Total Branches and Offices 10

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Marthas Vineyard Bank

How many branches does Marthas Vineyard Bank operate?

Marthas Vineyard Bank currently maintains approximately 10 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, Marthas Vineyard 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, Marthas Vineyard Bank provides members with tools to manage their accounts and build a solid financial history.

Does Marthas Vineyard Bank offer online and mobile banking?

Most modern institutions like Marthas Vineyard 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.mvbank.com.