• 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.

  • Tired of earning peanuts? You deserve MORE.

    Earn a 1.50% APY bonus rate with a new MORE CHECKING account.

    Learn More
  • A Commitment to Giving

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

  • 10 TIPS TO PRE-APPROVAL

    Download your free guide and start the housing hunt today!

    Learn More
  • Fueling the Twin State Economy

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

  • 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

  • What do Rising Federal Interest Rates Mean for You?

    Find out


  • 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
  • Learn how your savings, credit card bills, and big purchases might be affected.

    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 3.875% | APR 3.910%

      15 year Fixed Rate

      Rate 3.125% | APR 3.184%

      Full List
    • Adjustable
      Rates

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.125% | APR 3.783%

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

      Rate 2.990% | APR 3.875%

      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

      Rewards Checking

      Rate .50% | APY .50%

      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: Tonya St. Cyr, Realene 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

    The Colorado Rockies: Featuring National Parks and Historic Trains

    Stunning Views, Winetasting, Old West Cowboy Adventure August 11–19, 2017 Westward Ho! Gone are the days of covered wagons and “gold in them thar hills,”…



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.