• 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

  • More than $5.5 million in support for nonprofits

    In the past five years, we have been able to support nonprofits 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 2.00% APY

  • What does it mean to be a B Corp?

    Read our 2017 Benefit Report.

  • Buying a new home?

    Here's what you need to know.


  • Older posts

  • Earn a 2.00% 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

  • Buying a home is one of life’s most exciting events!

    Not only are you making a decision about where you'll be living for the next chunk of time, you're also spending quite a lot of money. Your house is your greatest asset, and you want to be sure you’re choosing with both your heart and your head.

    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 4.875% | APR 4.912%

      15 year Fixed Rate

      Rate 4.375% | APR 4.437%

      Full List

    • Adjustable
      Rates

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.750% | APR 4.918%

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

      Rate 3.625% | APR 5.121%

      Full List

    • Construction
      Loans

      APR as low as

      30 Year Fixed One Step

      Rate 5.000% | APR 5.104%

      15 Year Fixed One Step

      Rate 4.500% | APR 4.672%

      Full List
  • Apply Now

    • Home Equity

      APR as low as

      Home Equity Line of Credit
      Adjusted Quarterly

      Rate 2.990% | APR 2.990%

      HE Loan Fixed Rate

      Rate 4.875% | APR 4.880%

      Full List
  • Apply Now

    • Passenger
      Vehicles

      APR as low as

      New Auto/Truck (2017-2018)

      Rate 4.490% | APR 5.054%

      USED AUTO/TRUCK (2016-2017)

      Rate 5.190% | APR 5.757%

      FULL LIST

    • Recreational
      Vehicles

      APR as low as

      Snowmobiles

      Rate 6.790% | APR 7.365%

      ATV's

      Rate 6.790% | APR 7.365%

      FULL LIST

    • CD's and
      IRA's

      APY as high as

      18 Months CD/IRA Special

      Rate 2.65% | APY 2.62%

      Step It Up CD - 5 Year

      Rate 1.50% | APY 1.49%

      FULL LIST

    • Checking
      Savings

      APY as high as

      MORE Checking

      Rate 2.00% | APY 1.98%

      First Class
      Savings

      Rate .60% | APY .60%

      FULL LIST

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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

    Insider Tips on Home Finance

    When you know what mortgage bankers have to say about the market, you find yourself ahead of the game.   (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

    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.