• Fueling the Twin State Economy

    We lent more than $283,000,000
    in new commercial loans in 2014.

  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave $800,000 through community grants last year.

  • 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.

  • Peace of Mind

    Identity protection.

  • Romantic Rhine

    Cruise from Zurich, Switzerland to Amsterdam

  • Just SNAP It!

    Now "FREE" Deposit checks when and where YOU want.

  • Bank-to-Bank Transfers

    Transfer funds from one bank to another.

  • Mascoma Savings Bank offers peace of mind.

    ● Concerned about online security?
    Try Deluxe Provent: effective and affordable identity protection
    ● Identity theft affects more than 11 million people every year and
    take an average of 165 hours of work to recover.
    ● Credit monitoring, Internet monitoring, and ID restoration service
    are invaluable ways to protect your financial future today.

    Learn More
  • One of Europe's most legendary rivers awaits on this mesmerizing journey along the Rhine.

    Highlights & Sightseeing
    Cruise: deluxe 7-night cruise in an outside stateroom with Avalon’s exclusive Comfort Collection Beds
    Zürich–Transfer to Basel (Embarkation): onboard welcome reception
    Strasbourg: guided sightseeing, visit La Petite France district and the gothic cathedral
    Excursion to Heidelberg: guided visit of the castle, see the Great Vat
    Mainz–Rüdesheim: visit the Gutenberg Museum in Mainz; visit
    Siegfried’s Mechanical Musical Instrument Museum in Rüdesheim; enjoy a special treat
    Rhine Gorge–Koblenz: cruise through the Rhine Gorge; choice of guided sightseeing in Koblenz or visit Sayn Manor House
    Cologne: choice of guided city walk or Jewish Heritage walk
    Amsterdam: canal cruise

    Learn More
  • 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
  • No need to take time out of your busy schedule traveling from one bank to another...just transfer the funds.

    Transfer funds from an account at another Bank right into your Mascoma Savings Bank account or from your Mascoma Savings Bank account to an account in your name at another bank with a few simple clicks.

    You must sign up through your Internet Banking to use this feature to begin using it.

    By clicking Learn More you will be provided with step by step instructions on how to set up your Bank-to-Bank transfers

    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 3.875% | APR 3.910%

      15 year Fixed Rate

      Rate 3.000% | APR 3.059%

      Full List
    • Adjustable

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.125% | APR 3.729%

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

      Rate 2.990% | APR 3.810%

      Full List
    • Construction

      APR as low as

      5/1 ARM One Step Construction Loan

      Rate 3.125% | APR 3.789%

      15 Year Fixed One Step

      Rate 3.375% | APR 3.541%

      Full List
  • Apply Now
    • Home Equity

      APR as low as

      Relationship Gold Checking

      Rate 3.990% | APR 3.990%

      HE Loan Fixed Rate

      Rate 4.375% | APR 4.380%

      Full List
  • 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%

      Step It Up CD - 5 Year

      Rate 1.24% | APY 1.25%

    • 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."

20 YEARS: Carol Coffran, Debbie Carter, Jenifer Langley, Lori Brown, Stephanie Pregent

25 YEARS: Kris Bousquet, Paula Smith, Linda Wright, Kathie Nolet, Ken Wells, Priscilla Baravalle, Janet Costa, Denise Smith (not shown)

30 YEARS: Bonny Mock, Kim Finnemore, Sara Lewis

35 YEARS: Flossy Courtemanche, Liz Williams (not shown)

40 YEARS: Evelyn Jaros

  • Bank News

    Protecting Yourself

    We have received many calls regarding Identity Theft Protection.  There are many things you can do to protect your self. As a first step…

  • Did You Know?

    Great Customer Service: It’s No Mystery

    When you visit Mascoma Savings Bank, you're getting the best customer service we have to offer. How do we know? Mystery shoppers! (more…)

  • Platinum Passport

    Join us on our trip to Costa Rica!

    Join us on this all-inclusive tour to spectacular Costa Rica!   Stay at the DoubleTree Resort by Hilton Central Pacific - Costa Rica where…

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.