• 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.

  • Stephen F. Christy

    Announces Retirement

  • Change of Hours

    Some Branch Hours are Changing Effective February 1, 2016

  • Fraud Monitoring and Contact Information

    "Watching" your transactions 24/7

  • EMV Chip Technology for Debit Cards

    Important Information for MSB Debit Card Users

  • Stephen F. Christy Announces Retirement

    Please see his letter to the customers of Mascoma Savings Bank by clicking "Learn More".

    Learn More
  • Lobby and Drive-Up Hours Are Changing in Some Locations

    Hours for some of our branches will be changing effective February 1, 2016.

    Click 'Learn More' to view all of our branch locations, services and hours.
    The branches marked with * are those with NEW HOURS effective February 1, 2016.

    Learn More
  • Up-To-Date Contact Information is Essential

    We are “watching” your ATM and debit card transactions – day and night – with an innovative fraud monitoring solution that uses state-of-the-art intelligence technology and skilled fraud experts. If suspicious transactions are detected, a specialist will attempt to contact you via phone right away. If fraud is confirmed, your card will be disabled immediately. If you cannot be reached, a special “watch” status will be used on the card until we know all is well.

    To assist us with this monitoring, it is very important to ensure we have your correct phone numbers on file. Please contact an employee at any of our branch locations, or call us at 888-MASCOMA (627-2662) to verify this information.

    It’s hard to put a price on peace-of-mind, but luckily you don’t have to as this service is absolutely free.

    Click Learn More for a "Change of Contact information Form".

    Learn More
  • EMV Chip Technology allows for increased protection against fraud and identity theft.

    Mascoma Savings Bank will begin issuing new EMV Mastercard® Debit Cards in 2016. These cards will provide additional security of chip card technology – along with the same great benefits you enjoy now.

    With a chip card, a unique code is generated with every in-person transaction which helps protect you from thieves trying to steal your data or create a counterfeit card.

    All of Mascoma Savings Bank Debit Cards will be replaced in 2016 with this new technology.

    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 3.625% | APR 3.659%

      15 year Fixed Rate

      Rate 2.875% | APR 2.934%

      Full List
    • Adjustable

      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 2.875% | APR 3.784%

      Full List
    • Construction

      APR as low as

      30 Year Fixed One Step

      Rate 4.250% | APR 4.349%

      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

    Mascoma Savings Bank Board Member Promoted

      Nathan Wechsler & Company, P.A., a full service accounting and tax firm with locations in Concord and Lebanon, announced recently the promotion of…

  • Did You Know?

    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…

  • Platinum Passport

    Historical Williamsburg – A Colonial Christmas!

    Join the Platinum Passport Club as we embrace the Christmas Spirit in Colonial Williamsburg! The Christmas season officially begins in Colonial Williamsburg with the…

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.