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 Watertown Savings Bank Watertown, MA Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: August 28, 2026
Watertown Savings Bank Watertown, MA's money market rates are at 0.05%. Watertown Savings Bank Watertown, MA's Conforming and Jumbo - First Time Homebuyer Loan rates are at 6.12%, Conforming and Jumbo - Purchase and Refinance rates are at 6.25%, Adjustable Rate Mortgages - 5/1 ARM rates are at 5.75%, Adjustable Rate Mortgages - 7/1 ARM rates are at 6.12%. Watertown Savings Bank Watertown, MA's Personal Loan Rates are at 14.50%. MonitorBankRates evaluates the financial stability of Watertown Savings Bank Watertown, MA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.41%. Rates last updated and verified on 08/28/2026. Watertown Savings Bank Watertown, 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 Watertown Savings Bank Watertown, MA? Share your experience about Watertown Savings Bank Watertown, MA by leaving a review below, or read customer reviews before you decide to use Watertown Savings Bank Watertown, MA. 
Watertown Savings Bank Watertown, MA Money Market Rates
Watertown Savings Bank Watertown, MA Mortgage Rates
Watertown Savings Bank Watertown, MA Home Equity & HELOC
Watertown Savings Bank Watertown, MA Auto Loan Rates
Watertown Savings Bank Watertown, MA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Watertown Savings Bank Watertown, 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 Watertown Savings Bank Watertown, 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 Watertown Savings Bank Watertown, MA's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Watertown Savings Bank Watertown, MA
FDIC Certificate #
23298
Address
60 Main St,
Watertown, MA 02472 · Middlesex
Website
https://www.watertownsavings.com
Established
04/18/1870
FDIC Insurance Date
01/02/1981
Domestic Offices
10
Total Branches
10
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.41%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.5011%
Return on Equity (ROE)
5.8200%
Non-Performing Loans (NPL)
0.04%
Total Assets
$1,434,762,000
Total Deposits
$1,249,974,000
Equity Capital
$165,238,000
Net Income
$9,094,000
Headquarters
Watertown
Total Branches and Offices
10
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About Watertown Savings Bank Watertown, MAHow many branches does Watertown Savings Bank Watertown, MA operate?Watertown Savings Bank Watertown, MA currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Watertown Savings Bank Watertown, 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, Watertown Savings Bank Watertown, MA provides members with tools to manage their accounts and build a solid financial history. Does Watertown Savings Bank Watertown, MA offer online and mobile banking?Most modern institutions like Watertown Savings Bank Watertown, 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.watertownsavings.com. Current Watertown Savings Bank Watertown, MA Rates
Retrieved from our database of financial products. Rates subject to change.
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