What are the current interest rates at Middlesex Federal Savings?

Current rates for Middlesex Federal Savings include: 12-Month CD: 0.40%, 18-Month CD: 0.45%, 24-Month CD: 0.50%, 36-Month CD: 0.60%, 48-Month CD: 0.70%, 60-Month CD: 0.80%, Savings: 0.40%, MMA: 0.40%

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Middlesex Federal Savings Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Middlesex Federal 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 14, 2026

Middlesex Federal Savings's top rates as of October 14, 2026 are 3.51% APY on its 13-Month CD, 0.40% APY on savings, 0.40% APY on money market accounts, and 0.20% APY on checking, according to rates verified by MonitorBankRates. Other Middlesex Federal Savings CD rates include 19-Month CD at 3.51%, 8-Month CD at 3.51%, and 13-Months Business 13-Month CD at 3.51%. MonitorBankRates evaluates the financial stability of Middlesex Federal Savings with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates last updated and verified on 10/14/2026.

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

0.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Middlesex Federal Savings, F.A.

1 College Ave
Somerville, MA 02144

https://www.middlesexfederal.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.

Middlesex Federal Savings CD Rates

Product	Rate	APY	Term
13 Month CD	3.45%	3.51%	13 Month
Min Deposit $500 Min Balance $0 Details CD Specials; Penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
19 Month CD	3.45%	3.51%	19 Month
Min Deposit $500 Min Balance $0 Details CD Specials; Penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
8 Month CD	3.45%	3.51%	8 Month
Min Deposit $500 Min Balance $0 Details CD Specials; Penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
3 Month CD	3.20%	3.25%	3 Month
Min Deposit $500 Min Balance $0 Details CD Specials; Penalty may be imposed for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Middlesex Federal Savings Business CD Rates

Product	Rate	APY	Term
Business 13 Month CD	3.45%	3.51%	13 months
Min Deposit $500 Min Balance $0 Details CD Specials Rates; Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 19 Month CD	3.45%	3.51%	19 months
Min Deposit $500 Min Balance $0 Details CD Specials Rates; Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 8 Month CD	3.45%	3.51%	8 months
Min Deposit $500 Min Balance $0 Details CD Specials Rates; Effective: October 1, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 7, 2026 · 3.50% → 3.51% ▲ 0.01 pts · high 3.51% / low 3.50% Oct 3, 20263.51%▲ from 3.50% Sep 7, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 3 Month CD	3.20%	3.25%	3 months
Min Deposit $500 Min Balance $0 Details CD Specials Rates; Effective: October 1, 2026 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 60 Month CD	0.80%	0.80%	60 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 48 Month CD	0.70%	0.70%	48 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 30 Month CD	0.60%	0.60%	30 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 31 Month CD	0.60%	0.60%	31 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 36 Month CD	0.60%	0.60%	36 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 24 Month CD	0.50%	0.50%	24 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 18 Month CD	0.45%	0.45%	18 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 12 Month CD	0.40%	0.40%	12 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business 6 Month CD	0.30%	0.30%	6 Month
Min Deposit $500 Min Balance $0 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Middlesex Federal Savings Savings Rates

Product	Rate	APY
eStatement Savings	0.40%	0.40%
Min Deposit $50 Min Balance $50 Details Online Only; eStatement Savings available online only; Rates effective October 1, 2026 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Statement Savings	0.40%	0.40%
Min Deposit $50 Min Balance $50 Details Rates effective October 1, 2026 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Club Account	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Rates effective October 1, 2026 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Middlesex Federal Savings Business Money Market Rates

Product	Rate	APY
Business Money Market	0.40%	0.40%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.40%	0.40%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.40%	0.40%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.40%	0.40%
Min Deposit $50 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,999,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.30%	0.30%
Min Deposit $50 Min Balance $3,000,000 Details Balance: $3,000,000.00 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.25%	0.25%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
Business Money Market	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Balance: $50 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Middlesex Federal Savings Checking Rates

Product	Rate	APY
President's Choice Checking	0.20%	0.20%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 or more Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
President's Choice Checking	0.10%	0.10%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%
President's Choice Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $1,499.99 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

Middlesex Federal Savings Business Checking Rates

Product	Rate	APY	View More
Easy Interest Business Checking	0.10%	0.10%
Min Deposit $50 Min Balance $0 Details Min Balance to Earn Int: $0.01 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.41%

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

Middlesex Federal Savings’s Texas Ratio stayed near 0.50% in Q3 2023 to 0.41% 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 4.2 to 5.0 and its Health Grade from A- to A+. 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	$654M	0.41%	5.0	A+
March 31, 2026	$642M	0.00%	5.0	A+
December 31, 2025	$638M	0.00%	5.0	A+
September 30, 2025	$653M	0.00%	5.0	A+
June 30, 2025	$661M	0.95%	5.0	A+
March 31, 2025	$645M	0.50%	5.0	A+
December 31, 2024	$631M	0.60%	5.0	A+
September 30, 2024	$646M	2.78%	5.0	A+
June 30, 2024	$634M	0.08%	5.0	A+
March 31, 2024	$643M	0.09%	5.0	A+
December 31, 2023	$642M	0.00%	4.9	A+
September 30, 2023	$648M	0.50%	4.2	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 Middlesex Federal 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 Middlesex Federal 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 Middlesex Federal Savings's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Middlesex Federal Savings

Website https://www.middlesexfederal.com

Address 1 College Ave, Somerville, MA 02144 · Middlesex

Bank Holding Company MIDDLESEX FEDERAL MHC

FDIC Certificate # 28368

Regulator OCC

Established January 1, 1890

FDIC Insurance Date August 9, 1989

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.41%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.1365%

Return on Equity (ROE)

1.5500%

Non-Performing Loans Ratio (NPL)

0.04%

Total Assets

$654,367,000

Total Deposits

$576,502,000

Equity Capital

$56,899,000

Net Income

$440,000

Headquarters

Somerville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Middlesex Federal Savings 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.

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Frequently Asked Questions About Middlesex Federal Savings

How many branches does Middlesex Federal Savings operate?

Middlesex Federal Savings currently maintains approximately 4 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, Middlesex Federal 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, Middlesex Federal Savings provides members with tools to manage their accounts and build a solid financial history.

Does Middlesex Federal Savings offer online and mobile banking?

Most modern institutions like Middlesex Federal 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.middlesexfederal.com.