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Adams Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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 49th largest bank in the state of Massachusetts. It is also the 989th 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 Established1869
Employees118
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.42%
Return on Equity - YTD4.47%
Annual Interest Income$11.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.05B$1.01B
LoansQ1 2025vs Q1 2024$866.6MM$832.8MM
DepositsQ1 2025vs Q1 2024$799.4MM$812.7MM
Equity CapitalQ1 2025vs Q1 2024$98MM$90.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$5.3MM$5.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.7MM$3.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
Bonus Amount
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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* 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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