• 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.

  • Ever feel like you're being watched?

    Watched over is more like it.

  • EMV Chip Technology for Debit Cards

    Important Information for MSB Debit Card Users

  • Romantic Rhine

    Cruise from Zurich, Switzerland to Amsterdam

  • Just SNAP It!

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

  • Introducing MSB's Fraud Monitoring

    In fact we’re “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. If you contact us between November 1, 2015 and December 31, 2015, your name will be entered into a drawing for a Kindle Fire HD 10.

    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 to see our locations.

    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 January 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
  • 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
  • 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 4.000% | APR 4.035%

      15 year Fixed Rate

      Rate 3.1250% | APR 3.184%

      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

      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

    Mobile Banking at Mascoma Savings Bank is not only incredibly popular….it’s now Free

    Customers still need to fill out an application to be able to have this available to them within our Mobile Banking app on their…

  • Did You Know?

    So, You Want to Buy a New Home

    Buying a home is one of life’s most exciting events, and I’m always honored to be a part of it! (more…)

  • 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.