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Newburyport Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 14, 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 HealthScore: 90/100
Overall Health & Safety Grade
Newburyport Bank has earned an overall safety grade of A- (Very Good, Score: 90/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Newburyport Bank has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
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
?
16.54%
GoodHigher than avg
Newburyport Bank Texas Ratio
Newburyport Bank's Texas Ratio is 16.54%, which is considered good and is higher than the national average of 5.85%.
While Newburyport Bank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
8.70% to 16.54% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A to A-
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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
DetailsNot available for an Individual Retirement Account (IRA); substantial penalty for early withdrawal
Last Updated10/14/2026
Rate History
1 change since Sep 20, 2026 · 4.20% → 4.35% ▲ 0.15 pts · high 4.35% / low 4.20%
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
DetailsThe 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 Updated10/14/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
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
DetailsSubstantial penalty for early withdrawal; not available for an Individual Retirement Account (IRA)
Last Updated10/14/2026
Rate History
1 change since Sep 20, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 6 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 6 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
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
DetailsOpen 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
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
DetailsBalance: 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
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
DetailsBalance: No Minimum Balance to Earn APY
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
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
DetailsBalance: $50,000.00-$99,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
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
DetailsBalance: $100,000.00-$499,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
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
DetailsBalance: $500,000.00 +; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 8 times
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
DetailsBalance: $10,000.00-$24,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 8 times
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
DetailsBalance: $25,000.00-$49,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 8 times
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
DetailsBalance: $1,000.00-$9,999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
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
DetailsBalance: $0.00 - $999.99; Open at your local Branch; $10.00 fee if statement balance falls below $1,000.00
Last Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 8 times
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
DetailsQualifications 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
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
DetailsBalance: $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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.11% APY · checked 8 times
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
DetailsBalance: $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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 8 times
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
DetailsAs 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 Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
New Vehicles Loan
-
-
5.75%
60 Months
DetailsAs 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 Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Used Vehicles Loan
-
-
5.75%
48 Months
DetailsAs Low As; Maximum loan amount $75,000; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Last Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 5.75% APR · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
New Vehicles Loan
-
-
6.00%
72 Months
DetailsAs 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 Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Used Vehicles Loan
-
-
6.00%
60 Months
DetailsAs Low As; Maximum loan amount $75,000; vehicle age 10 years or less; includes 0.25% auto-pay reduction
Last Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 6.00% APR · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Newburyport Bank RV, Boat and Powersport Loan Rates
No change since Sep 16, 2026 · 9.00% APR · checked 9 times
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
DetailsLoan amount: $600-$2,500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 5.00% APR
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.54%
Unsecured Personal Loan
11.00%
12-48 Months
DetailsLoan amount: $1,000-$20,000
Last Updated10/14/2026
Rate History
No change since Sep 16, 2026 · 11.00% APR · checked 9 times
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
DetailsQualifications 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 Updated10/14/2026
Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
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.
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)
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
$1.6B
16.54%
4.9
A-
March 31, 2026
$1.6B
20.70%
4.5
B
December 31, 2025
$1.6B
20.29%
4.6
B
September 30, 2025
$1.6B
28.14%
3.9
C
June 30, 2025
$1.6B
24.72%
4.2
C+
March 31, 2025
$1.6B
11.28%
5.0
A
December 31, 2024
$1.6B
12.36%
5.0
A
September 30, 2024
$1.6B
11.34%
5.0
A
June 30, 2024
$1.6B
0.70%
5.0
A+
March 31, 2024
$1.6B
0.74%
5.0
A+
December 31, 2023
$1.6B
0.65%
5.0
A+
September 30, 2023
$1.5B
8.70%
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 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 NameNewburyport Bank
Bank Holding CompanyRIVER RUN BCORP MHC
Address
63 State St,
Newburyport, MA 01950 · Essex
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Average Rating
☆☆☆☆☆
Total Reviews
0
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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.