• Fueling the Twin State Economy

    We made more than $339,000,000
    new commercial loans in 2015.

  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave over $1,000,000 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.

  • INSIGHT

    News and Information from Mascoma Savings Bank

  • KEEP YOUR FINANCES SAFE FROM FRAUD

    Six Essential Steps

  • smsGuardian Alert Service

    Protect Your MSB Debit Card

  • 10 TIPS TO PRE-APPROVAL

    Download your free guide and start the housing hunt today!


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  • Find Out How to Keep Your Finances Safe from Fraud

  • 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
  • Download your FREE guide - 10 Tips to Get You Ready for Pre-Approval

  • 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 3.250% | APR 3.309%

      Full List
    • Adjustable
      Rates

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 2.990% | APR 3.682%

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

      Rate 2.750% | APR 3.757%

      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 3.250% | APR 3.415%

      Full List
  • Apply Now
    • Home Equity

      APR as low as

      HELOC
      Relationship Gold Checking

      Rate 3.990% | APR 3.990%

      HE Loan Fixed Rate

      Rate 4.250% | APR 4.255%

      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

      Rewards Checking

      Rate .50% | APY .50%

      First Class
      Savings

      Rate .20% | APY .20%

      FULL LIST

MSB_Chief_green

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: Addy Williams, Heather Powers, Gayle McFarland, Don Thompson, Donna Burnham, Teresa Fazio (not shown)

25 YEARS: Doreen McKinney, Samantha Pause

30 YEARS: Cheryl White, Janet Bishop (not shown)

35 YEARS: Cindy Paulhus, Glen Valentine, Esther Dobbins-Marsh

  • Bank News

    Insider Tips on Home Finance

    When you know what mortgage bankers have to say about the market, you find yourself ahead of the game.   (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

    Cuba: A Cultural Exploration

    Incredible Food, Steamy Dancing, Fascinating History February 21-March 1, 2017 Cuba is a land of mystery with a culture of incredible food, steamy dancing,…



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.