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Newburyport Bank Rates & Review October 2026

Newburyport Bank's top rates as of October 14, 2026 are 4.35% APY on its 20-Month Certificate of Deposit Special, 0.15% APY on savings, 0.50% APY on money market accounts, 5.00% APY on checking, and personal loans from 5.00% APR, according to rates verified by MonitorBankRates. Other Newburyport Bank CD rates include 10-Month Certificate of Deposit Special at 4.05%, 5-Month Certificate of Deposit Special at 4.00%, and 12-Month Certificate of Deposit at 3.75%. MonitorBankRates evaluates the financial stability of Newburyport Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.54%. Rates last updated and verified on 10/14/2026.

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

Overall Health & Safety Grade ?
A-
Very Good Health Score: 90/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
16.54%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
Newburyport Bank
63 State St
Newburyport, MA 01950
https://www.newburyportbank.com
MemberFDIC
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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.

Newburyport Bank CD Rates

Product Rate APY Term View More
20 Month Certificate of Deposit Special 4.26% 4.35% 20 Month
Min Deposit $500
Details Not available for an Individual Retirement Account (IRA); substantial penalty for early withdrawal
Last Updated 10/14/2026
Rate History
1 change since Sep 20, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
3.70%4.28%4.85%Sep 20, 2026: 4.20% APYSep 24, 2026: 4.35% APYSep 20, 2026Oct 15, 2026
  • Sep 24, 20264.35%▲ from 4.20%
  • Sep 20, 20264.20%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
10 Month Certificate of Deposit Special 4.04% 4.05% 10 Month
Min Deposit $500
Min Balance $500
Details The minimum balance to open the account is $500. Not available for an Individual Retirement Account (IRA). Substantial penalty for early withdrawal. Rates last updated: 10/06/2026
Last Updated 10/14/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 20, 2026: 3.90% APYOct 8, 2026: 4.05% APYSep 20, 2026Oct 15, 2026
  • Oct 8, 20264.05%▲ from 3.90%
  • Sep 20, 20263.90%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
5 Month Certificate of Deposit Special 3.95% 4.00% 5 Month
Min Deposit $500
Details Substantial penalty for early withdrawal; not available for an Individual Retirement Account (IRA)
Last Updated 10/14/2026
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 20, 2026: 3.75% APYOct 8, 2026: 4.00% APYSep 20, 2026Oct 15, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Sep 20, 20263.75%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
12 Month Certificate of Deposit 3.68% 3.75% 12 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
24 Month Certificate of Deposit 3.68% 3.75% 24 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 12 Month 3.68% 3.75% 12 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 24 Month 3.68% 3.75% 24 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
18 Month Certificate of Deposit 3.20% 3.25% 18 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
3 Month Certificate of Deposit 3.21% 3.25% 3 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
36 Month Certificate of Deposit 3.20% 3.25% 36 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
48 Month Certificate of Deposit 3.20% 3.25% 48 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
6 Month Certificate of Deposit 3.22% 3.25% 6 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
60 Month Certificate of Deposit 3.20% 3.25% 60 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
9 Month Certificate of Deposit 3.24% 3.25% 9 Month
Min Deposit $500
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 18 Month 3.20% 3.25% 18 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 36 Month 3.20% 3.25% 36 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 48 Month 3.20% 3.25% 48 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
IRA Certificate - 60 Month 3.20% 3.25% 60 Month
Min Deposit $500
Details Open at your local Branch; No minimum balance required to earn stated Annual Percentage Yield; A penalty will be imposed for early withdrawal from IRA; IRAs are subject to additional IRS considerations
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Savings Rates

Product Rate APY View More
Holiday Club 0.15% 0.15%
Min Deposit $10
Min Balance $0
Details Balance: No Minimum Balance to Earn APY; Minimum balance to open is $10.00; Rates may change after the account is opened; Fees may reduce earnings
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Statement Savings 0.15% 0.15%
Min Deposit $10
Min Balance $0
Details Balance: No Minimum Balance to Earn APY
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Money Market Rates

Product Rate APY View More
Money Market 0.50% 0.50%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000.00-$99,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.50% 0.50%
Min Deposit $10
Min Balance $100,000
Details Balance: $100,000.00-$499,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.50% 0.50%
Min Deposit $10
Min Balance $500,000
Details Balance: $500,000.00 +; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 20, 2026: 0.50% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.30% 0.30%
Min Deposit $10
Min Balance $10,000
Details Balance: $10,000.00-$24,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 8 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.30% 0.30%
Min Deposit $10
Min Balance $25,000
Details Balance: $25,000.00-$49,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 8 times
0.00%0.40%0.80%Sep 20, 2026: 0.30% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.15% 0.15%
Min Deposit $10
Min Balance $1,000
Details Balance: $1,000.00-$9,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Money Market 0.05% 0.05%
Min Deposit $10
Min Balance $0
Details Balance: $0.00 - $999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Checking Rates

Product Rate APY View More
Rewards Checking 4.88% 5.00%
Min Deposit $10
Min Balance $10
Details Qualifications Required; Qualifying balance up to $15,000.00; Minimum balance to open is $10.00; Rate and APY apply when eligibility requirements are met during the statement cycle; receives up to $20.00 reimbursement for foreign ATM fees
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Relationship Checking Premier 0.11% 0.11%
Min Deposit $10
Min Balance $0
Details Balance: $0.00 and over (if eligibility requirements are met); Open at your local branch; Eligibility: combined deposit balances of $10,000 or more in checking, savings, CD, or IRA accounts and a minimum of $500.00 in total monthly direct deposits; $15 monthly fee if eligibility requirements are not met
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.11% APY · checked 8 times
0.00%0.31%0.61%Sep 20, 2026: 0.11% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Lifeline 18/65 Checking 0.01% 0.01%
Min Deposit $10
Min Balance $10
Details Balance: $0.00; Minimum balance to open is $10.00; Must be 18 years of age or younger or 65 years of age or older to qualify
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 20, 2026: 0.01% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles Loan - - 5.50% 48 Months
Details As Low As; Maximum loan amount: $100,000; Vehicle model must be new; 0.25% reduction for auto-payment from a Newburyport Bank deposit account; available to MA, NH, and ME residents
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 9 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
New Vehicles Loan - - 5.75% 60 Months
Details As Low As; Maximum loan amount: $100,000; Vehicle model must be new; 0.25% reduction for auto-payment from a Newburyport Bank deposit account; available to MA, NH, and ME residents
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 9 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Used Vehicles Loan - - 5.75% 48 Months
Details As Low As; Maximum loan amount $75,000; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 9 times
5.25%5.75%6.25%Sep 16, 2026: 5.75% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
New Vehicles Loan - - 6.00% 72 Months
Details As Low As; Maximum loan amount: $100,000; Vehicle model must be new; 0.25% reduction for auto-payment from a Newburyport Bank deposit account; available to MA, NH, and ME residents
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 9 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Used Vehicles Loan - - 6.00% 60 Months
Details As Low As; Maximum loan amount $75,000; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 9 times
5.50%6.00%6.50%Sep 16, 2026: 6.00% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Boat Loan - 9.00% Up to 10 Years
Details As Low As; Loan amount: $15,000.00-$200,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 9.00% APR · checked 9 times
8.50%9.00%9.50%Sep 16, 2026: 9.00% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Personal Loan Rates

Product APR Term View More
Credit Building Loan 5.00% Up to 24 Months
Details Loan amount: $600-$2,500
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 14, 2026: 5.00% APROct 14, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Unsecured Personal Loan 11.00% 12-48 Months
Details Loan amount: $1,000-$20,000
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 11.00% APR · checked 9 times
10.50%11.00%11.50%Sep 16, 2026: 11.00% APRSep 16, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Newburyport Bank Other Rates

Product Rate Points APY/APR Term View More
Rewards Checking - - 5.00%
Min Deposit $10
Min Balance $10
Details Qualifications Required; Balance up to and including $15,000.00; balances in excess of $15,000.00 earn an APY of 5.00% to 0.01%; if qualifications are not met the entire balance earns 0.01% APY; up to $20.00 foreign ATM fee reimbursement
Last Updated 10/14/2026
Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 15, 2026
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%

Financial Health History

Newburyport Bank’s Texas Ratio rose from 8.70% in Q3 2023 to 16.54% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 9% 2.0★ 19% 3.0★ 28% 4.0★ 38% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.70% A Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 C+ Q2 2025 C Q3 2025 B Q4 2025 B Q1 2026 16.54% A- Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.6B16.54%4.9A-
March 31, 2026$1.6B20.70%4.5B
December 31, 2025$1.6B20.29%4.6B
September 30, 2025$1.6B28.14%3.9C
June 30, 2025$1.6B24.72%4.2C+
March 31, 2025$1.6B11.28%5.0A
December 31, 2024$1.6B12.36%5.0A
September 30, 2024$1.6B11.34%5.0A
June 30, 2024$1.6B0.70%5.0A+
March 31, 2024$1.6B0.74%5.0A+
December 31, 2023$1.6B0.65%5.0A+
September 30, 2023$1.5B8.70%5.0A
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 Newburyport 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 Newburyport 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 Newburyport Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Newburyport Bank
Bank Holding Company RIVER RUN BCORP MHC
Address 63 State St, Newburyport, MA 01950  ·  Essex
FDIC Certificate # 90251
Established 18540401
FDIC Insurance Date 19850701
Domestic Offices 12
Total Branches 12
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-
Overall Health Grade Score: 90/100
4.9
Exceptional Out of 5.0 Stars
16.54%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.3881%
Return on Equity (ROE) 4.3600%
Non-Performing Loans (NPL) 1.38%
Total Assets $1,573,796,000
Total Deposits $1,257,955,000
Equity Capital $142,733,000
Net Income $3,064,000
Headquarters Newburyport
Total Branches and Offices 12
Source: FDIC  |  Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About Newburyport Bank

How many branches does Newburyport Bank operate?

Newburyport Bank currently maintains approximately 12 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, Newburyport 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, Newburyport Bank provides members with tools to manage their accounts and build a solid financial history.

Does Newburyport Bank offer online and mobile banking?

Most modern institutions like Newburyport 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.newburyportbank.com.

Current Newburyport Bank Rates

  • 12-Month CD3.75%
  • 18-Month CD3.25%
  • 24-Month CD3.75%
  • 36-Month CD3.25%
  • 48-Month CD3.25%
  • 60-Month CD3.25%
  • Savings0.15%
  • MMA0.50%
Retrieved from our database of financial products. Rates subject to change.