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Adams Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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 49th largest bank in the state of Massachusetts. It is also the 992nd largest bank in the nation. It was established in 1869 and as of December of 2024, it had grown to 117 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 Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #90140
Year Established1869
Employees117
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.25%
Return on Equity - YTD2.78%
Annual Interest Income$42.6MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.04B$994.7MM
LoansQ4 2024vs Q4 2023$860.5MM$826.6MM
DepositsQ4 2024vs Q4 2023$818.9MM$781MM
Equity CapitalQ4 2024vs Q4 2023$95.8MM$90.5MM
Loan Loss AllowanceQ4 2024vs Q4 2023$5.2MM$5MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$2.4MM$2.9MM
Real Estate OwnedQ4 2024vs Q4 2023$0$227K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.54%
Our Rating
4.2  / 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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.20%
Our Rating
3.6  / 5
Jenius Bank
Jenius Savings Account
See Offer
Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
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
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.41%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
4.45%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 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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* 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*$0$15kSynergy Checking Account
OTHER TIERS: 0.50% → $15k+
0.05%$10-Community Checking
0.05%$10-Alliance Checking

Adams Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Bank2 Center StAdams, MA 01220
Williamstown Branch273 Main StreetWilliamstown, MA 01267
North Adams Branch31 Eagle StreetNorth Adams, MA 01247
Lee Branch41 Park StreetLee, MA 01238
Lanesboro Branch545 South Main StreetLanesboro, MA 01237
Cheshire Branch75 South StCheshire, MA 01225
Park Street Branch93 Park StreetAdams, MA 01220
Lenox National Bank Branch7 Main StreetLenox, MA 01240

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