• Fueling the Twin
    State Economy

    We lent more than $118,000,000 in new
    commercial loans in 2013.

  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave $915,847 through community grants last year (including David's House, pictured here).

  • Your Community Bank Since 1899

    Mutually owned with no shareholders to please, we are committed to remaining independent and investing in our community. Our first priority has always been—and always will be—you.

  • Just SNAP It!

    Deposit checks when and where YOU want.

  • Panama Canal Cruise

    Join us in Costa Rica, Aruba, Nicaragua, and Columbia.

  • Easy Checking

    Make your life EASIER.

  • Person-to-Person

    Send money through email with Person-to-Person payment.

  • Just snap a picture with your phone and MOBILE DEPOSIT routes the money straight to your account.

    There’s no need to swing by a branch to deposit checks at Mascoma Savings Bank. Now you can use your phone to make a deposit wherever you are.

    Learn More
  • A 16-day full transit of the Panama Canal with five exciting ports of call.

    Adventures abound including the wild beauty of Costa Rica, pristine waters and beaches of Aruba, Mayan ruins, rainforest and volcanic sights of Nicaragua, the Spanish colonial city of Cartagena and famous Columbian emeralds, as well as beach resorts.

    Learn More
  • Life is stressful enough. Banking shouldn’t be.

    Introducing Easy Checking
    ● Unlimited Debit Card Use
    ● Unlimited Internet Bill Payments
    ● Unlimited Quick Voice Access

    Learn More
  • With Person-to-Person Payments all you need to send money is your friend, child, or associate's email address.

    Send money to anyone in the United States with just an email address. Simply go to your Mascoma Internet Banking page and click the “send money” icon, and your recipient can deposit the money right into a bank account!

    Learn More
  • Mortgage Rates

  • Home Equity

  • Consumer Loan Rates

  • Deposit Rates


Rates Can Change Without Notice

APR = Annual Percentage Rate.

APY = Annual Percentage Yield.

  • Apply Now
    • Fixed

      APR as low as

      30 year Fixed Rate

      Rate 3.375% | APR 3.429%

      15 year Fixed Rate

      Rate 2.625% | APR 2.717%

      GET RATE
    • Adjustable

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 2.990% | APR 3.651%

      3/1 year Adjustable Rate (2/6 Caps)

      Rate 2.750% | APR 3.218%

      GET RATE
    • Construction

      APR as low as

      5/1 ARM One Step Construction Loan

      Rate 2.990% | APR 3.682%

      15 Year Fixed One Step

      Rate 3.125% | APR 3.290%

      GET RATE
  • Apply Now
    • Home Equity

      APR as low as

      Relationship Gold Checking

      Rate 3.990% | APR 3.990%

      HE Loan Fixed Rate

      Rate 4.990% | APR 4.995%

      GET RATE
  • Apply Now
    • Passenger

      APR as low as

      New Auto/Truck (2013-2014)

      Rate 3.290% | APR 3.768%

      USED AUTO/TRUCK 2012-2013

      Rate 3.990% | APR 4.471%

    • Recreational

      APR as low as


      Rate 5.49% | APR 5.977%


      Rate 5.49% | APR 5.977%

  • Open Now
    • CD's and

      APY as high as

      11 Months CD/IRA Special

      Rate .30% | APY .30%

      59 Months CD/IRA Special

      Rate 1.75% | APY 1.73%

    • Checking

      APY as high as

      Rewards Checking

      Rate .50% | APY .50%

      First Class

      Rate .20% | APY .20%



Mascoma Savings Bank—Mutually Owned Since 1899

Mascoma Savings Bank is mutually owned and not for sale. With no shareholders to please, we are committed to remaining independent and to re-investing profits in our community. Our first priority has always been—and always will be—you, our customers. We are different than other banks and give you the security of a long-term relationship. We make sure you can pick up the phone and get things done locally with people who make decisions on your behalf. At Mascoma Savings Bank, we’re putting you first, today and tomorrow.

Learn More

Our Bank is Your Bank

After 115 years serving our neighbors, it is more true than ever when we say, "Our bank is your bank."

15 YEARS: Sheryl McDevitt, Bill Dunn, Jason Traegde, Marguerite Bauch, Alan Grover, Diane Bernier

20 YEARS: Jennifer Garrow, Rita DeGoosh, Nancy Bean

25 YEARS: Kit Rousseau, Barry McCabe, Todd Hess

30 YEARS: Sheila Jacobs

35 YEARS: Stephen Christy, Winnie Dennis

  • Bank News

    Personalized Debit Card!

    Personalize your debit card with your favorite photo of your family or  friends, your pet, maybe even your favorite vacation spot. Your personalized debit card…

  • Did You Know?

    Housing Inspections

    You’ve done your homework. You’ve talked to a mortgage lender and realtor, examined a selection of houses, and made an offer on “the one.”…

  • Platinum Passport

    Australia – From the Outback to the Glaciers

    Pristine beaches and the Southern Alps await the intrepid adventurers who join the Platinum Passport Club down under! September 17 - October 10, 2015 Accompany…

We are committed to exceeding the expectations of our customers, community and employees.

At Mascoma Savings Bank, we’re putting you first, today and tomorrow.