• 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


  • 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.

    Find a better way at Mascoma Wealth Management today.

    Learn More
  • Welcome Dan!

    Meet Dan Emanuele, head of Private Banking at Mascoma Savings Bank.

    Learn More
  • Fueling the Twin State Economy

    We made more than $327,000,000
    new commercial loans in 2016.

  • A Commitment to Giving

    Mascoma Savings Bank and the Mascoma Savings Bank Foundation gave $937,479 through community grants last year.


    News and Information from Mascoma Savings Bank

  • MORE Checking Account Now Available

    Earn 1.50% APY

  • smsGuardian Alert Service

    Protect Your MSB Debit Card

  • Keep your finances safe from fraud.

    Find out how to keep your identity and finances secure.

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

    Learn about MORE Checking Accounts

  • Mascoma Savings Bank Debit Card smsGuardian Alert is a free service available to MSB debit card customers. Guardian Alert Service helps you monitor your debit card transactions with text alerts.

    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 Can Change Without Notice

APR = Annual Percentage Rate.

APY = Annual Percentage Yield.

  • Apply Now
    • Fixed

      APR as low as

      30 year Fixed Rate

      Rate 4.500% | APR 4.536%

      15 year Fixed Rate

      Rate 4.000% | APR 4.061%

      Full List
    • Adjustable

      APR as low as

      5/1 ARM (2/6 Caps)

      Rate 3.500% | APR 4.348%

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

      Rate 3.375% | APR 4.482%

      Full List
    • Construction

      APR as low as

      30 Year Fixed One Step

      Rate 4.375% | APR 4.475%

      15 Year Fixed One Step

      Rate 3.750% | APR 3.918%

      Full List
  • Apply Now
    • Home Equity

      APR as low as

      Relationship Gold Checking

      Rate 4.250% | APR 4.250%

      HE Loan Fixed Rate

      Rate 4.500% | APR 4.505%

      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

      MORE Checking

      Rate 1.50% | APY 1.49%

      First Class

      Rate .20% | APY .20%


green icon of the Mascoma Savings Bank logo — the silhouette of a Native American chief fishing with a spear from a canoe

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: 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

    There’s a New Card in Town: EMV Chips

    Since 1970, most credit card information has been stored in the magnetic strips found on the back of the cards. These strips convey the…


    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

    America’s Music Cities

    Featuring Nashville, Memphis, and New Orleans Jazz Fest April 23–30, 2018 Join us for eight days of a foot-tapping good time exploring the beating…

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.