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MutualOne Bank

Popular Accounts at this Bank

1.46%18-month CD19 Month Promo CD
0.75%6-month CD7 Month Promo CD
1.31%1-year CD13 Month Promo CD

Overview / Commentary
828 Concord Street
Framingham, MA 01701

MutualOne Bank is headquartered in Framingham and is the 51st largest bank in the state of Massachusetts. It is also the 1,018th largest bank in the nation. It was established in 1889 and as of December of 2016, it had grown to 85 employees at 3 locations. MutualOne Bank has an A health rating.

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Reviews (1)

A Real Community Bank

Posted by: Dittobil | Nov 2, 2016

Mutual One Bank has gone through some revisions. Until a couple years ago it was a two branch bank in my town. I loved it because you get to know people, and if you don't have your ID, it's no big deal. They have fairly decent CD rates. If you deposit a local check, it's available the next day. If they have a problem, they call you and give you a chance to make things right before hitting you with a hefty fee for something that's not even your fault. It recently merged with two local banks from a neighboring town, and changed names, but the service is still the same. They give you free money orders if you withdraw from your account, even if you don't, if they know you have an account they will give it to you for free, whereas larger banks charge up to $5. Customer Service is friendly, and accommodating. They're online service is very good, and they recently changed platforms so you no longer need to have a funky user name or password. In addition to free candy at the teller windows, which changes with the season, they also have a coffee station, and a popcorn machine. This is a very good, fun local bank.


Health Grade Components

FDIC Certificate #26395
Year Established1889
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD5%
Annual Interest Income$28.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$720.6MM$657.9MM
LoansQ4 2016vs Q4 2015$614.6MM$556.4MM
DepositsQ4 2016vs Q4 2015$554.1MM$498.2MM
Equity CapitalQ4 2016vs Q4 2015$130.8MM$123.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$10.0MM$8.7MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$9.3MM$11.7MM
Real Estate OwnedQ4 2016vs Q4 2015$0$348.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MutualOne Bank Savings Account Rates

0.15%--Savings Account
0.15%--Online Savings

MutualOne Bank Money Market Rates

0.50%*$25k*-Nonprofit Money Market
OTHER TIERS: 0.15% $10 - $1k | 0.25% $1k - $25k
0.30%*$10k*-Money Market Plus
OTHER TIERS: 0.10% $10 - $2,500 | 0.15% $2,500 - $10k
0.30%*$10k*-Online Money Market Plus
OTHER TIERS: 0.10% $10 - $2,500 | 0.15% $2,500 - $10k

MutualOne Bank Checking Account Rates

0.50%*$50k*-Advantage Checking
OTHER TIERS: 0.01% $10 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k | 0.25% $25k - $50k
0.50%*$50k*-Online Advantage eChecking
OTHER TIERS: 0.01% $10 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k | 0.25% $25k - $50k

MutualOne Bank CD Rates

2.02%$500-60 Month CD
1.51%$500-30 Month CD
1.46%$500-19 Month Promo CD
1.46%$500-Online 19 Month CD Promo
1.36%$500-48 Month CD
1.31%$500-13 Month Promo CD
1.31%$500-Online 13 Month CD Promo
1.16%$500-36 Month CD
1.16%$500-Online 36 Month CD
0.90%$500-24 Month CD
0.90%$500-Online 24 Month CD
0.75%$500-18 Month CD
0.75%$500-Online 18 Month CD
0.75%$500-7 Month Promo CD
0.75%$500-Online 19 Month CD
0.75%$500-Online 7 Month Promo CD
0.65%$500-21 Month Bump-up CD
0.65%$5k-28 Day CD
0.65%$500-Online 21 Month Bump-up CD
0.65%$100-Online 12 Month eCD Special
0.55%$500-12 Month CD
0.55%$500-Online 13 Month CD
0.50%$5k-9 Month Advantage CD
0.45%$500-6 Month CD
0.45%$500-Online 6 Month CD
0.45%$500-Online 7 Month CD
0.40%$500-3 Month CD
0.40%$500-Online 3 Month CD

MutualOne Bank IRA Rates

2.02%$500-60 Month IRA
1.51%$500-30 Month IRA
1.36%$500-48 Month IRA
1.16%$500-36 Month IRA
0.90%$500-24 Month IRA
0.75%$500-18 Month IRA
0.65%$5k-28 Day IRA
0.55%$500-12 Month IRA
0.45%$500-6 Month IRA
0.40%$500-3 Month IRA

MutualOne Bank Locations
Natick Federal Savings Bank Branch49 Main StreetNatick, MA 01760
Mutualone Bank828 Concord StreetFramingham, MA 01701
Lincoln Street BranchOne Lincoln StreetFramingham, MA 01701