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Advertiser Disclosure
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 Winter Hill Bank Rates & Review October 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.
Read Full Bio →
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 11, 2026
Winter Hill Bank's top rates as of October 11, 2026 are 4.20% APY on its 11-Months CD Special 11-Month, 0.55% APY on money market accounts, 0.10% APY on checking, and 5.75% on its Adjustable Rate - Conforming Loans - 5/1 ARM (Caps 2/6 - Margin 2.75) mortgage, according to rates verified by MonitorBankRates. Other Winter Hill Bank CD rates include 17-Months CD Special 17-Month at 4.15%, 60-Months 60-Month Certificate at 0.75%, and 48-Months 48-Month Certificate at 0.65%. Other Winter Hill Bank mortgage rates include Homestart 7/1 ARM 30 Year at 5.875%, Adjustable Rate - Conforming Loans - 7/1 ARM (Caps 2/6 - Margin 2.875) at 6.00%, and Adjustable Rate - Conforming Loans - 10/1 ARM (Caps 5/2/6 - Margin 2.875) at 6.625%. MonitorBankRates evaluates the financial stability of Winter Hill Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026. Winter Hill 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 Winter Hill Bank? Share your experience about Winter Hill Bank by leaving a review below, or read customer reviews before you decide to use Winter Hill Bank. 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. Winter Hill Bank CD Rates
Winter Hill Bank Savings Rates
Winter Hill Bank Money Market Rates
Winter Hill Bank Checking Rates
Winter Hill Bank Mortgage Rates
Winter Hill Bank Home Equity & HELOC
Winter Hill Bank Other Rates
Financial Health HistoryWinter Hill Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% 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 5.0 to 5.0. 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Winter Hill 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 Winter Hill 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 Winter Hill Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Winter Hill Bank
FDIC Certificate #
28213
Address
342 Broadway,
Somerville, MA 02145 · Middlesex
Website
https://www.winterhillbank.com
Established
19060101
FDIC Insurance Date
19890809
Domestic Offices
3
Total Branches
3
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.1212%
Return on Equity (ROE)
1.2200%
Non-Performing Loans (NPL)
0.00%
Total Assets
$407,948,000
Total Deposits
$299,268,000
Equity Capital
$41,432,000
Net Income
$252,000
Headquarters
Somerville
Total Branches and Offices
3
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Winter Hill Bank yet. Feel free to create one below.
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Add Your Rating and Review for Winter Hill Bank
Frequently Asked Questions About Winter Hill BankHow many branches does Winter Hill Bank operate?Winter Hill Bank currently maintains approximately 3 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, Winter Hill 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, Winter Hill Bank provides members with tools to manage their accounts and build a solid financial history. Does Winter Hill Bank offer online and mobile banking?Most modern institutions like Winter Hill 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.winterhillbank.com. Current Winter Hill Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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