• Fueling the Twin
    State Economy

    We lent more than $118,000,000 in new
    commercial loans in 2013.

  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave $915,847 through community grants last year (including David's House, pictured here).

  • 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.

  • Peace of Mind

    Identity protection.

  • Canadian Rockies

    Featuring a Journey by Train and the Calgary Stampede.

  • Just SNAP It!

    Deposit checks when and where YOU want.

  • Person-to-Person

    Send money through email with Person-to-Person payment.


  • Mascoma Savings Bank offers peace of mind.

    ● Concerned about online security?
    Try Deluxe Provent: effective and affordable identity protection
    ● Identity theft affects more than 11 million people every year and
    take an average of 165 hours of work to recover.
    ● Credit monitoring, Internet monitoring, and ID restoration service
    are invaluable ways to protect your financial future today.

    Learn More
  • Experience your own train expedition through the Canadian Rockies, where the voyage is about far more than the destination!

    There’s something about a journey by rail that evokes a nostalgic sense of generations past, all following their dreams through mountain passes.

    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
  • With Person-to-Person Payments all you need to send money is your friend, child, or associate's email address.

    Send money to anyone in the United States with just an email address. Simply go to your Mascoma Internet Banking page and click the “send money” icon, and your recipient can deposit the money right into a bank account!

    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 3.500% | APR 3.554%

      15 year Fixed Rate

      Rate 2.750% | APR 2.843%

      GET RATE
      QUOTE
    • Adjustable
      Rates

      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 3.276%

      GET RATE
      QUOTE
    • Construction
      Loans

      APR as low as

      5/1 ARM One Step Construction Loan

      Rate 2.990% | APR 3.742%

      15 Year Fixed One Step

      Rate 3.125% | APR 3.290%

      GET RATE
      QUOTE
  • Apply Now
    • Home Equity

      APR as low as

      HELOC
      Relationship Gold Checking

      Rate 3.990% | APR 3.990%

      HE Loan Fixed Rate

      Rate 4.750% | APR 4.755%

      GET RATE
      QUOTE
  • 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
  • Open Now
    • CD's and
      IRA's

      APY as high as

      11 Months CD/IRA Special

      Rate .30% | APY .30%

      59 Months CD/IRA Special

      Rate 1.73% | APY 1.75%

      FULL LIST
    • Checking
      Savings

      APY as high as

      Rewards Checking

      Rate .50% | APY .50%

      First Class
      Savings

      Rate .20% | APY .20%

      FULL LIST

MSB_Chief_green

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."

15 YEARS: Sheryl McDevitt, Bill Dunn, Jason Traegde, Marguerite Bauch, Alan Grover, Diane Bernier

20 YEARS: Jennifer Garrow, Rita DeGoosh, Nancy Bean

25 YEARS: Kit Rousseau, Barry McCabe, Todd Hess

30 YEARS: Sheila Jacobs

35 YEARS: Stephen Christy, Winnie Dennis

  • Bank News

    Stephen F. Christy named “2014 Community Banker of the Year”.

    CONCORD, New Hampshire – Christiana Thornton, President and CEO, of the NH Bankers Association (NHBA) announced today that Stephen F. Christy, President/CEO, of Mascoma…


  • 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! Whether it’s your first…


  • Platinum Passport

    Show Me Missouri

    Featuring the “Live Entertainment Capital of the World” May 14–20, 2015 Join us on a trip to the “Live Entertainment Capital of the World”!…



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.