• 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.

  • Want to talk to someone at Mascoma Bank?

    Reach us at your convenience.

    Call Center Hours:
    - Weekdays, 7am–11pm
    - Weekends & most holidays 9am–5pm


  • 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
  • Welcome Dan!

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

    Learn More
  • Fueling the Twin State Economy

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

  • A Commitment to Giving

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


    News and Information from Mascoma 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 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 Can Change Without Notice

APR = Annual Percentage Rate.

APY = Annual Percentage Yield.

  • Apply Now
    • Fixed

      APR as low as

      30 year Fixed Rate

      Rate 4.500% | APR 4.536%

      15 year Fixed Rate

      Rate 4.000% | APR 4.061%

      Full List
    • Adjustable

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.500% | APR 4.449%

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

      Rate 3.375% | APR 4.603%

      Full List
    • Construction

      APR as low as

      30 Year Fixed One Step

      Rate 4.500% | APR 4.601%

      15 Year Fixed One Step

      Rate 4.000% | APR 4.170%

      Full List
  • Apply Now
    • Home Equity

      APR as low as

      Relationship Gold Checking

      Rate 4.250% | APR 4.250%

      HE Loan Fixed Rate

      Rate 4.500% | APR 4.505%

      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

      MORE Checking

      Rate 1.50% | APY 1.49%

      First Class

      Rate .20% | APY .20%


colorful pinwheel icon

Proud to be a B-Corporation

We are proud to announce that Mascoma Bank is now a Benefit Corporation®. Becoming a B-Corp is a natural extension of what we have always been, a mutual bank chartered to serve the needs of the communities we serve. Now as a Certified B-Corporation, we strive to be a force for positive change, demonstrating that people and place matter, and to be responsible for each other as well as future generations. FIND OUT MORE

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 Involvement: Mascoma Bank Foundation

    Over $3.4 million to local organizations and counting.   (more…)


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