• 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

    1-888-627-2662

  • 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.

    Learn More

  • Over $5.5 million in support for non-profits

    In the past five years we have been able to support non-profits and communities through direct and subsidized programs as well as grants from the Mascoma Bank Foundation.

  • $249 Million in Commercial Loans

    In 2017, we invested nearly a quarter of a billion dollars to fuel the economy of our region.

  • INSIGHT

    News and Information from Mascoma Bank

  • MORE Checking Account Now Available

    Earn 1.50% APY

  • What does it mean to be a B Corp?

    Read our 2017 Benefit Report.

  • Keep your finances safe from fraud.

    Find out how to keep your identity and finances secure.


    • Where To Go Camping in the Upper Valley
      With mountains, river, lakes, and forests surrounding you in virtually every direction in the Upper Valley, camping locally might seem just a tad redundant. If you practically live in the woods in the first place, why pitch your tent under someone else’s trees 10 miles down ... read more
      Source: MSB InsightMay 24, 2018
    Older posts

  • Earn a 1.50% APY bonus rate, plus other benefits, with a new MORE CHECKING account.

    Learn about MORE Checking Accounts

  • As a Certified Benefit Corporation, not only do we pledge to make a difference, but every year we are graded and required to report on our progress. Take a look at the impact we made in 2017.

    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

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 4.750% | APR 4.787%

      15 year Fixed Rate

      Rate 4.250% | APR 4.311%

      Full List

    • Adjustable
      Rates

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.625% | APR 4.656%

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

      Rate 3.500% | APR 4.829%

      Full List

    • Construction
      Loans

      APR as low as

      30 Year Fixed One Step

      Rate 4.875% | APR 4.978%

      15 Year Fixed One Step

      Rate 4.375% | APR 4.547%

      Full List
  • Apply Now

    • Home Equity

      APR as low as

      HELOC
      Relationship Gold Checking

      Rate 4.500% | APR 4.500%

      HE Loan Fixed Rate

      Rate 4.890% | APR 4.895%

      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

    • CD's and
      IRA's

      APY as high as

      18 Months CD/IRA Special

      Rate 2.00% | APY 2.00%

      Step It Up CD - 5 Year

      Rate 1.50% | APY 1.50%

      FULL LIST

    • Checking
      Savings

      APY as high as

      MORE Checking

      Rate 1.50% | APY 1.49%

      First Class
      Savings

      Rate .60% | APY .60%

      FULL LIST

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

    Business Mobile Deposit—Snap . . . Tap . . . Done.

    Business happens all the time, and sometimes it can feel like we’re all trying to keep up. One way small businesses can get ahead…


  • 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

    Romantic Greek Islands and Eastern Mediterranean Cruise

    October 9–21, 2018 What better place than the romantic Mediterranean Sea for fine dining, historic icons, and sweeping vistas? Our adventure begins in Rome,…



We are committed to exceeding the expectations of our customers, community and employees.

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