Adams Community Bank

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

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Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

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Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

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Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.adamscommunity.com

413-743-0001

2 Center Street
Adams, MA 01220

Adams Community Bank is headquartered in ADAMS and is the 49^th largest bank in the state of Massachusetts. It is also the 989^th largest bank in the nation. It was established in 1869 and as of March of 2025, it had grown to 118 employees at 10 locations. Adams Community Bank's CD rates are 39% higher than the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	90140
Year Established	1869
Employees	118
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.42%
Return on Equity - YTD	4.47%
Annual Interest Income	$11.3MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.05B$1.01B
Loans	Q1 2025vs Q1 2024	$866.6MM$832.8MM
Deposits	Q1 2025vs Q1 2024	$799.4MM$812.7MM
Equity Capital	Q1 2025vs Q1 2024	$98MM$90.6MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$5.3MM$5.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.7MM$3.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Adams Community Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$150k^*	-	Optimum Personal Account
OTHER TIERS: 0.10% → $10 - $75k \| 0.50% → $75k - $150k
0.10%	$10	-	Statement Savings Account
0.10%	$10	-	Christmas Club

Adams Community Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$1m^*	-	Money Market Checking
OTHER TIERS: 0.20% → $10 - $2.5k \| 0.25% → $2.5k - $50k \| 0.35% → $50k - $100k \| 0.45% → $100k - $1m
0.60%^*	$1m^*	-	Business Money Market
OTHER TIERS: 0.20% → $10 - $10k \| 0.25% → $10k - $50k \| 0.35% → $50k - $500k \| 0.45% → $500k - $1m

Adams Community Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$0	$15k	Synergy Checking Account
OTHER TIERS: 0.50% → $15k+
0.05%	$10	-	Community Checking
0.05%	$10	-	Alliance Checking

Adams Community Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.75%	$10	-	8 Month CD
3.75%	$10	-	Business 8 Month CD
2.25%	$10	-	60 Month CD
2.25%	$10	-	Business 60 Month CD
2.15%	$10	-	48 Month CD
2.15%	$10	-	Business 48 Month CD
2.00%	$10	-	36 Month CD
2.00%	$10	-	Business 36 Month CD
1.75%	$10	-	24 Month CD
1.75%	$10	-	Business 24 Month CD
1.40%	$10	-	18 Month CD
1.40%	$10	-	Business 18 Month CD
1.25%	$10	-	12 Month CD
1.25%	$10	-	Business 12 Month CD
0.90%	$10	-	9 Month CD
0.90%	$10	-	Business 9 Month CD
0.80%	$10	-	6 Month CD
0.80%	$10	-	Business 6 Month CD
0.75%	$10	-	3 Month CD
0.75%	$10	-	Business 3 Month CD

Adams Community Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%	$10	-	18 Month Flex IRA
2.25%	$10	-	60 Month IRA
2.15%	$10	-	48 Month IRA
2.00%	$10	-	36 Month IRA
1.75%	$10	-	24 Month IRA
1.25%	$10	-	12 Month IRA
0.80%	$10	-	6 Month IRA
0.75%	$10	-	3 Month IRA

Locations

Adams Community Bank Locations
Adams Community Bank	2 Center St	Adams, MA 01220
Williamstown Branch	273 Main Street	Williamstown, MA 01267
North Adams Branch	31 Eagle Street	North Adams, MA 01247
Lee Branch	41 Park Street	Lee, MA 01238
Lanesboro Branch	545 South Main Street	Lanesboro, MA 01237
Cheshire Branch	75 South St	Cheshire, MA 01225
Park Street Branch	93 Park Street	Adams, MA 01220
Lenox National Bank Branch	7 Main Street	Lenox, MA 01240

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