• 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.

  • Leave Your Cards at Home

    Load your Mascoma Savings Bank debit card onto your phone and pay for
    purchases without pulling out your wallet.

    Learn More
  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave $937,479 through community grants last year.

  • Welcome Dan!

    Meet Dan Emanuele, head of Private Banking at Mascoma Savings Bank.

    Learn More
  • Fueling the Twin State Economy

    We made more than $327,000,000
    new commercial loans in 2016.

  • Putting You First

    Invest and manage your assets for retirement with a team that’s here to help YOU reach your financial goals, not serve a group of stockholders.

    Find a better way at Mascoma Wealth Management today.

    Learn More
  • INSIGHT

    News and Information from Mascoma Savings Bank

  • MORE Checking Account Now Available

    Earn 1.50% APY

  • smsGuardian Alert Service

    Protect Your MSB Debit Card

  • Keep your finances safe from fraud.

    Find out how to keep your identity and finances secure.


  • Earn a 1.50% APY bonus rate, plus other benefits, with a new MORE CHECKING account.

    Learn about MORE Checking Accounts

  • Mascoma Savings Bank Debit Card smsGuardian Alert is a free service available to MSB debit card customers. Guardian Alert Service helps you monitor your debit card transactions with text alerts.

    Learn More
  • Your financial safety and security are our top priority.

    As our personal and business banking become less cash dependent and more impersonal, crooks are always on the lookout for weaknesses to exploit. But there are things you can do to protect yourself and help us keep you protected.

    Learn More
  • Mortgage Rates

  • Home Equity

  • Consumer Loan Rates

  • Deposit Rates

Rates

Rates Can Change Without Notice

APR = Annual Percentage Rate.

APY = Annual Percentage Yield.

  • Apply Now
    • Fixed
      Rates

      APR as low as

      30 year Fixed Rate

      Rate 4.000% | APR 4.035%

      15 year Fixed Rate

      Rate 3.375% | APR 3.435%

      Full List
    • Adjustable
      Rates

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.250% | APR 4.025%

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

      Rate 3.125% | APR 4.143%

      Full List
    • Construction
      Loans

      APR as low as

      30 Year Fixed One Step

      Rate 4.250% | APR 4.349%

      15 Year Fixed One Step

      Rate 3.490% | APR 3.657%

      Full List
  • Apply Now
    • Home Equity

      APR as low as

      HELOC
      Relationship Gold Checking

      Rate 4.000% | APR 4.000%

      HE Loan Fixed Rate

      Rate 4.500% | APR 4.505%

      Full List
  • Apply Now
    • Passenger
      Vehicles

      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%

      FULL LIST
    • Recreational
      Vehicles

      APR as low as

      Snowmobiles

      Rate 5.49% | APR 5.977%

      ATV's

      Rate 5.49% | APR 5.977%

      FULL LIST
  • Open Now
    • CD's and
      IRA's

      APY as high as

      11 Months CD/IRA Special

      Rate .30% | APY .30%

      Step It Up CD - 5 Year

      Rate 1.24% | APY 1.25%

      FULL LIST
    • Checking
      Savings

      APY as high as

      MORE Checking

      Rate 1.50% | APY 1.49%

      First Class
      Savings

      Rate .20% | APY .20%

      FULL LIST

green icon of the Mascoma Savings Bank logo — the silhouette of a Native American chief fishing with a spear from a canoe

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: Raelene Robinson, Lola Ramirez, Ann Lavigne

20 YEARS: Lauren Schumacher, Dick Jennings, Linda Cole, Cheri Sappal (not shown)

25 YEARS: Jane Wilson, Shelly Shores

  • Bank News

    Community Enterprise: Springfield Housing Authority

    Safe, affordable housing is an essential ingredient for any thriving town. Springfield Housing Authority has been helping residents find homes since 1944.   (more…)


  • INSIGHT

    A Penny Saved is a Penny Earned

    From time-tested guidelines to cutting edge research and advice, get fresh INSIGHT today or delivered to your inbox.

    Learn More
  • Platinum Passport

    Mackinac Island & The Grand Hotel

    Featuring Historic Michigan August 17–24, 2018 Discover the magic in the mitten during our journey through time and countryside while exploring the different flavors…



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.