What are the current interest rates at Savings Bank Wakefield, MA?

Current rates for Savings Bank Wakefield, MA include: 12-Month CD: 4.10%, Savings: 0.10%, MMA: 1.01%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Savings Bank Wakefield, MA

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Savings Bank Wakefield, MA Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Savings Bank Wakefield, MA 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 11, 2026

Savings Bank Wakefield, MA's top rates as of October 11, 2026 are 4.10% APY on its 13-Month CD Special, 0.10% APY on savings, 1.01% APY on money market accounts, 0.50% APY on checking, 6.00% on its Adjustable-Rate Mortgages - 7/3 ARM Preferred SPECIAL, and personal loans from 14.00% APR, according to rates verified by MonitorBankRates. Other Savings Bank Wakefield, MA CD rates include 7-Month CD Special at 4.00%. Other Savings Bank Wakefield, MA mortgage rates include 15-Year Fixed at 6.25%, 15-Year Fixed at 6.125%, and 10-Year Fixed at 6.25%. MonitorBankRates evaluates the financial stability of Savings Bank Wakefield, MA with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.38%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.38%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Savings Bank Wakefield, MA

357 Main St
Wakefield, MA 01880

https://www.tsbawake24.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.

Savings Bank Wakefield, MA CD Rates

Product	Rate	APY	Term
13 Month CD Special	-	4.10%	13 Month
Details Annual Percentage Yield (APY). Click for important terms & disclosures. Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00% Oct 7, 20264.10%▲ from 4.00% Sep 27, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
7 Month CD Special	-	4.00%	7 Month
Details Annual Percentage Yield (APY). Click for important terms & disclosures. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Savings Rates

Product	Rate	APY
Investment Savings	0.10%	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 and over; No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account. Last Updated 10/11/2026 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: 9.38%
Statement Savings	0.08%	0.08%
Min Balance $10 Details Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Holiday Club	0.03%	0.03%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Investment Savings	0.03%	0.03%
Min Deposit $2,500 Min Balance $10 Details Balance: $10 - $2,499.99; No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
The C.L.U.B. For Young Savers	0.03%	0.03%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Money Market Rates

Product	Rate	APY
Consumer Money Market	1.00%	1.01%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1.0M and over; Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Consumer Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Consumer Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 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: 9.38%
Consumer Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 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: 9.38%
Consumer Money Market	0.15%	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 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: 9.38%
Consumer Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 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: 9.38%
Consumer Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Consumer Money Market	0.03%	0.03%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Consumer Money Market	0.01%	0.01%
Min Deposit $2,500 Min Balance $10 Details Balance: $10 - $2,499.99; Service fees may reduce earnings on the account. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Business Money Market Rates

Product	Rate	APY
Business Money Market	1.00%	1.01%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1.0M and over Last Updated 10/11/2026 Rate History No change since Oct 3, 2026 · 1.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Business Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Business Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/11/2026 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: 9.38%
Business Money Market	0.20%	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Business Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 10/11/2026 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: 9.38%
Business Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Business Money Market	0.03%	0.03%
Min Deposit $2,500 Min Balance $10 Details Balance: $10 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Checking Rates

Product	Rate	APY
Wealth Checking	0.50%	0.50%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 and up w/Direct Deposit; Exclusively for First Financial Trust clients. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account. If a Wealth Checking account holder is no longer a client of FFT, the Wealth Checking account reverts to a Basic Checking. Last Updated 10/11/2026 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: 9.38%
Premium Checking	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/11/2026 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: 9.38%
Premium Checking	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.08% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Premium Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Wealth Checking	0.05%	0.05%
Min Deposit $50 Min Balance $10 Details Balance: $10 - $4,999.99; Exclusively for First Financial Trust clients. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account. If a Wealth Checking account holder is no longer a client of FFT, the Wealth Checking account reverts to a Basic Checking. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Premium Checking	0.03%	0.03%
Min Balance $10 Details Balance: $10 - $2,499.99 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed	6.25%	0	6.406%	15 Years
Details 20% Down; Max. Loan Amount: See note 1 Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 6.16% → 6.41% ▲ 0.25 pts · high 6.41% / low 6.16% Oct 7, 20266.41%▲ from 6.16% Sep 19, 20266.16%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
15-Year Fixed	6.125%	1	6.429%	15 Years
Details 20% Down; Max. Loan Amount: See note 1 Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 5.93% → 6.43% ▲ 0.50 pts · high 6.43% / low 5.93% Oct 7, 20266.43%▲ from 6.18% Sep 19, 20266.18%▲ from 5.93% Sep 15, 20265.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
10-Year Fixed	6.25%	0	6.47%	10 Years
Details 20% Down Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 5.97% → 6.47% ▲ 0.50 pts · high 6.47% / low 5.97% Oct 7, 20266.47%▲ from 6.22% Sep 19, 20266.22%▲ from 5.97% Sep 15, 20265.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
10-Year Fixed	6.625%	0	6.654%	10 Years
Details Max. Loan Amount: $1,000,001+; 20% Down Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 5.97% → 6.65% ▲ 0.69 pts · high 6.65% / low 5.97% Oct 7, 20266.65%▲ from 6.22% Sep 19, 20266.22%▲ from 5.97% Sep 15, 20265.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 10/1 ARM Preferred	6.25%	0	6.68%	30 Years
Details Caps: 1/4; Margin: 2.75%; Yrs 1-10 Payment per $1,000: $6.16; Yrs 11-30 Payment per $1,000: $6.65; Requires Automatic Loan Payment from a TSB checking account with direct deposit of your income for the life of the loan. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.22% → 6.68% ▲ 0.46 pts · high 6.68% / low 6.22% Oct 7, 20266.68%▲ from 6.59% Oct 1, 20266.59%▲ from 6.56% Sep 24, 20266.56%▲ from 6.43% Sep 19, 20266.43%▲ from 6.22% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
20-Year Fixed	6.625%	0	6.752%	20 Years
Details 20% Down Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.25% → 6.75% ▲ 0.50 pts · high 6.75% / low 6.25% Oct 7, 20266.75%▲ from 6.50% Sep 19, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
First Time Homebuyer - 30 Year Fixed	6.75%	0	6.787%	30 Year
Details 11% Down1; Must have automatic payments from a TSB checking account and direct deposit of payroll income. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
30-Year Fixed	6.50%	2	6.794%	30 Years
Details 20% Down Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.29% → 6.79% ▲ 0.51 pts · high 6.79% / low 6.29% Oct 7, 20266.79%▲ from 6.54% Sep 19, 20266.54%▲ from 6.29% Sep 15, 20266.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
30-Year Fixed	6.625%	1	6.82%	30 Years
Details 20% Down Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 7/3 ARM Preferred SPECIAL	6.00%	0	6.824%	30 Years
Details Caps: 1/4; Margin: 2.75%; Yrs 1-7 Payment per $1,000: $6.00; Yrs 8-30 Payment per $1,000: $6.54; Requires Automatic Loan Payment from a TSB checking account with direct deposit of your income for the life of the loan.; Offer applies to new purchase or refinance loan customers only and excludes existing loan accounts. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.30% → 6.82% ▲ 0.53 pts · high 6.82% / low 6.30% Oct 7, 20266.82%▲ from 6.70% Oct 1, 20266.70%▲ from 6.66% Sep 24, 20266.66%▲ from 6.50% Sep 19, 20266.50%▲ from 6.30% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
30-Year Fixed	6.75%	0	6.847%	30 Years
Details 20% Down Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.29% → 6.85% ▲ 0.56 pts · high 6.85% / low 6.29% Oct 7, 20266.85%▲ from 6.54% Sep 19, 20266.54%▲ from 6.29% Sep 15, 20266.29%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
First Time Homebuyer - 7/3 ARM	6.125%	0	6.848%	Years 1-7
Details 11% Down1; Must have automatic payments from a TSB checking account and direct deposit of payroll income. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.85% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
30-Year Fixed Jumbo	6.875%	0	6.888%	30 Years
Details 20% Down; Max. Loan Amount: See note 2 Last Updated 10/11/2026 Rate History 2 changes since Sep 15, 2026 · 6.39% → 6.89% ▲ 0.50 pts · high 6.89% / low 6.39% Oct 7, 20266.89%▲ from 6.64% Sep 19, 20266.64%▲ from 6.39% Sep 15, 20266.39%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 7/3 ARM Preferred	6.125%	0	6.905%	30 Years
Details Caps: 1/4; Margin: 2.75%; Yrs 1 -7 Payment per $1,000: $6.08; Yrs 8 - 30 Payment per $1,000: $6.62; Requires Automatic Loan Payment from a TSB checking account with direct deposit of your income for the life of the loan. Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.38% → 6.91% ▲ 0.53 pts · high 6.91% / low 6.38% Oct 7, 20266.91%▲ from 6.78% Oct 1, 20266.78%▲ from 6.74% Sep 24, 20266.74%▲ from 6.58% Sep 19, 20266.58%▲ from 6.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 10/1 ARM	6.75%	1	6.99%	30 Years
Details Rates for loans less than or equal to $1,000,000; Caps: 1/4; Margin: 2.75%; Monthly Payment per $1,000: Yrs 1-10 $6.49, Yrs 11-30 $7.72 Last Updated 10/11/2026 Rate History 3 changes since Sep 19, 2026 · 6.75% → 6.99% ▲ 0.24 pts · high 6.99% / low 6.75% Oct 7, 20266.99%▲ from 6.91% Oct 1, 20266.91%▲ from 6.87% Sep 24, 20266.87%▲ from 6.75% Sep 19, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 10/1 ARM	6.75%	0	7.011%	30 Years
Details Caps: 1/4; Margin: 2.75%; Yrs 1-10 Payment per $1,000: $6.49; Yrs 11-30 Payment per $1,000: $7.00 Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.56% → 7.01% ▲ 0.46 pts · high 7.01% / low 6.56% Oct 7, 20267.01%▲ from 6.93% Oct 1, 20266.93%▲ from 6.89% Sep 24, 20266.89%▲ from 6.76% Sep 19, 20266.76%▲ from 6.56% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 5/5 ARM Preferred	6.00%	0	7.135%	30 Years
Details Caps: 2/6; Margin: 2.75%; Yrs 1-5 Payment per $1,000: $6.00; Yrs 6-30 Payment per $1,000: $7.18; Requires Automatic Loan Payment from a TSB checking account with direct deposit of your income for the life of the loan. Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 6.65% → 7.14% ▲ 0.49 pts · high 7.14% / low 6.65% Oct 7, 20267.14%▲ from 7.01% Sep 24, 20267.01%▲ from 6.82% Sep 19, 20266.82%▲ from 6.65% Sep 15, 20266.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 7/3 ARM	6.625%	1	7.199%	30 Years
Details Rates for loans less than or equal to $1,000,000; Caps: 1/4; Margin: 2.75%; Monthly Payment per $1,000: Yrs 1-7 $6.40, Yrs 8-30 $7.63 Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 6.86% → 7.20% ▲ 0.34 pts · high 7.20% / low 6.86% Oct 7, 20267.20%▲ from 7.08% Oct 1, 20267.08%▲ from 6.86% Sep 19, 20266.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 7/3 ARM	6.625%	0	7.234%	30 Years
Details Caps: 1/4; Margin: 2.75%; Yrs 1-7 Payment per $1,000: $6.40; Yrs 8-30 Payment per $1,000: $6.97 Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 6.70% → 7.23% ▲ 0.53 pts · high 7.23% / low 6.70% Oct 7, 20267.23%▲ from 7.11% Oct 1, 20267.11%▲ from 7.07% Sep 24, 20267.07%▲ from 6.89% Sep 19, 20266.89%▲ from 6.70% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 5/5 ARM	6.50%	1	7.249%	30 Years
Details Rates for loans less than or equal to $1,000,000; Caps: 2/6; Margin: 2.75%; Monthly Payment per $1,000: Yrs 1-5 $6.32, Yrs 6-30 $7.54 Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 6.95% → 7.25% ▲ 0.30 pts · high 7.25% / low 6.95% Oct 7, 20267.25%▲ from 7.13% Sep 24, 20267.13%▲ from 6.95% Sep 19, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 5/5 ARM	6.50%	0	7.335%	30 Years
Details Caps: 2/6; Margin: 2.75%; Yrs 1-5 Payment per $1,000: $6.32; Yrs 6-30 Payment per $1,000: $7.54 Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 6.84% → 7.34% ▲ 0.49 pts · high 7.34% / low 6.84% Oct 7, 20267.34%▲ from 7.21% Sep 24, 20267.21%▲ from 7.02% Sep 19, 20267.02%▲ from 6.84% Sep 15, 20266.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 10/1 ARM	7.25%	1	7.473%	30 Years
Details Jumbo Rate Loans - loans greater than $1,000,000; Caps: 1/4; Margin: 3.50%; Monthly Payment per $1,000: Yrs 1-10 $6.82, Yrs 11-30 $8.08 Last Updated 10/11/2026 Rate History 3 changes since Sep 19, 2026 · 6.75% → 7.47% ▲ 0.72 pts · high 7.47% / low 6.75% Oct 7, 20267.47%▲ from 6.91% Oct 1, 20266.91%▲ from 6.87% Sep 24, 20266.87%▲ from 6.75% Sep 19, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 10/1 ARM Jumbo	7.25%	0	7.503%	30 Years
Details Caps: 1/4; Margin: 3.50%; Yrs 1-10 Payment per $1,000: $6.82; Yrs 11-30 Payment per $1,000: $7.36 Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 7.05% → 7.50% ▲ 0.45 pts · high 7.50% / low 7.05% Oct 7, 20267.50%▲ from 7.42% Oct 1, 20267.42%▲ from 7.38% Sep 24, 20267.38%▲ from 7.26% Sep 19, 20267.26%▲ from 7.05% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 7/3 ARM	7.125%	1	7.694%	30 Years
Details Jumbo Rate Loans - loans greater than $1,000,000; Caps: 1/4; Margin: 3.50%; Monthly Payment per $1,000: Yrs 1-7 $6.74, Yrs 8-30 $7.99 Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 6.86% → 7.69% ▲ 0.83 pts · high 7.69% / low 6.86% Oct 7, 20267.69%▲ from 7.08% Oct 1, 20267.08%▲ from 6.86% Sep 19, 20266.86%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 7/3 ARM Jumbo	7.125%	0	7.719%	30 Years
Details Caps: 1/4; Margin: 3.50%; Yrs 1-7 Payment per $1,000: $6.74; Yrs 8-30 Payment per $1,000: $7.32 Last Updated 10/11/2026 Rate History 4 changes since Sep 15, 2026 · 7.19% → 7.72% ▲ 0.53 pts · high 7.72% / low 7.19% Oct 7, 20267.72%▲ from 7.60% Oct 1, 20267.60%▲ from 7.56% Sep 24, 20267.56%▲ from 7.40% Sep 19, 20267.40%▲ from 7.19% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Construction/Permanent Mortgages - 5/5 ARM	7.00%	1	7.782%	30 Years
Details Jumbo Rate Loans - loans greater than $1,000,000; Caps: 2/6; Margin: 3.50%; Monthly Payment per $1,000: Yrs 1-5 $6.65, Yrs 6-30 $7.90 Last Updated 10/11/2026 Rate History 2 changes since Sep 19, 2026 · 6.95% → 7.78% ▲ 0.84 pts · high 7.78% / low 6.95% Oct 7, 20267.78%▲ from 7.13% Sep 24, 20267.13%▲ from 6.95% Sep 19, 20266.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Adjustable-Rate Mortgages - 5/5 ARM Jumbo	7.00%	0	7.884%	30 Years
Details Caps: 2/6; Margin: 3.50%; Yrs 1-5 Payment per $1,000: $6.65; Yrs 6-30 Payment per $1,000: $7.90 Last Updated 10/11/2026 Rate History 3 changes since Sep 15, 2026 · 7.40% → 7.88% ▲ 0.49 pts · high 7.88% / low 7.40% Oct 7, 20267.88%▲ from 7.76% Sep 24, 20267.76%▲ from 7.57% Sep 19, 20267.57%▲ from 7.40% Sep 15, 20267.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed-Rate Home Equity Loan	6.125%	-	6.125%	15 or 20 Years
Details Same Rate. Learn More Last Updated 10/11/2026 Rate History 2 changes since Sep 24, 2026 · 5.99% → 6.13% ▲ 0.13 pts · high 6.13% / low 5.99% Oct 11, 20266.13%▼ from 6.13% Oct 7, 20266.13%▲ from 5.99% Sep 24, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%
Home Equity Loans	-	-	6.50%
Details As Low As. 2 Click for home equity rates Last Updated 10/11/2026 Rate History 1 change since Sep 19, 2026 · 5.99% → 6.50% ▲ 0.51 pts · high 6.50% / low 5.99% Oct 7, 20266.50%▲ from 5.99%* Sep 19, 20265.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

Savings Bank Wakefield, MA Personal Loan Rates

Product	APR	Term	View More
Unsecured Personal Loan	14.00%	4 Years
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 15, 2026 · 14.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.38%

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

Savings Bank Wakefield, MA’s Texas Ratio rose from 2.32% in Q3 2023 to 9.38% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 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	$891M	9.38%	5.0	A
March 31, 2026	$864M	9.83%	5.0	A
December 31, 2025	$873M	9.29%	5.0	A
September 30, 2025	$849M	9.35%	5.0	A
June 30, 2025	$837M	13.78%	5.0	A
March 31, 2025	$833M	16.88%	4.8	B+
December 31, 2024	$827M	18.91%	4.7	B+
September 30, 2024	$834M	16.44%	4.9	A-
June 30, 2024	$812M	15.19%	5.0	A-
March 31, 2024	$816M	15.39%	5.0	A-
December 31, 2023	$784M	1.79%	5.0	A+
September 30, 2023	$769M	2.32%	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 Savings Bank Wakefield, MA 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 Savings Bank Wakefield, MA 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 Savings Bank Wakefield, MA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Savings Bank Wakefield, MA

Bank Holding Company WAKEFIELD BCORP MHC

Address 357 Main St, Wakefield, MA 01880 · Middlesex

Website https://www.tsbawake24.com

FDIC Certificate # 90291

Established 18690526

FDIC Insurance Date 19850805

Domestic Offices 9

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.38%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4383%

Return on Equity (ROE) 4.6600%

Non-Performing Loans (NPL) 0.13%

Total Assets $890,995,000

Total Deposits $766,593,000

Equity Capital $83,368,000

Net Income $1,920,000

Headquarters Wakefield

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Savings Bank Wakefield, MA earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Savings Bank Wakefield, MA

How many branches does Savings Bank Wakefield, MA operate?

Savings Bank Wakefield, MA currently maintains approximately 8 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, Savings Bank Wakefield, MA 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, Savings Bank Wakefield, MA provides members with tools to manage their accounts and build a solid financial history.

Does Savings Bank Wakefield, MA offer online and mobile banking?

Most modern institutions like Savings Bank Wakefield, MA 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.tsbawake24.com.

Current Savings Bank Wakefield, MA Rates

12-Month CD4.10%
Savings0.10%
MMA1.01%

Retrieved from our database of financial products. Rates subject to change.

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Savings Bank Wakefield, MA Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Savings Bank Wakefield, MA Texas Ratio

Savings Bank Wakefield, MA Health Trend

Savings Bank Wakefield, MA CD Rates

Savings Bank Wakefield, MA Savings Rates

Savings Bank Wakefield, MA Money Market Rates

Savings Bank Wakefield, MA Business Money Market Rates

Savings Bank Wakefield, MA Checking Rates

Savings Bank Wakefield, MA Mortgage Rates

Savings Bank Wakefield, MA Home Equity & HELOC

Savings Bank Wakefield, MA Personal Loan Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Savings Bank Wakefield, MA earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Savings Bank Wakefield, MA

How many branches does Savings Bank Wakefield, MA operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Savings Bank Wakefield, MA offer online and mobile banking?

Current Savings Bank Wakefield, MA Rates

Compare to Other Banks