Overview / Commentary
1 College Ave
Somerville, MA 02144

Middlesex Federal Savings, F.A. is headquartered in Somerville and is the 84th largest bank in the state of Massachusetts. It is also the 1,712th largest bank in the nation. It was established in 1890 and as of September of 2018, it had grown to 50 employees at 3 locations. Middlesex Federal Savings, F.A.'s savings rates are 4X the national average, and it has an A health rating.


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Health Grade Components

FDIC Certificate #28368
Year Established1890
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.79%
Annual Interest Income$12.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$408.0MM$398.8MM
LoansQ3 2018vs Q3 2017$320.3MM$312.7MM
DepositsQ3 2018vs Q3 2017$284.3MM$280.4MM
Equity CapitalQ3 2018vs Q3 2017$38.4MM$39.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$4.3MM$4.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$982.00K$1.2MM
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Middlesex Federal Savings, F.A. Savings Account Rates

2.00%$50-Statement Savings
0.10%$50-Passbook Savings
0.10%$10-Club Account

Middlesex Federal Savings, F.A. Money Market Rates

1.00%*$50k*$1mMoney Market Savings
OTHER TIERS: 0.10% $50 - $10k | 0.25% $3m+ | 0.50% $10k - $3m
1.00%*$50k*$1mBusiness Money Market
OTHER TIERS: 0.10% $50 - $10k | 0.25% $3m+ | 0.50% $10k - $3m

Middlesex Federal Savings, F.A. Checking Account Rates

0.25%*$25k*-President's Choice Checking
OTHER TIERS: 0.10% Up to $1.5k | 0.15% $1.5k - $25k
0.10%--Easy Interest Business Checking

Middlesex Federal Savings, F.A. CD Rates

2.85%--31 Month CD - Promotional
2.45%--19 Month CD - Promotional
2.25%--13 Month CD - Promotional
2.00%--60 Month CD
1.80%--18 Month CD
1.75%--12 Month CD
1.50%--24 Month CD
1.35%--30 Month CD
1.16%--48 Month CD
1.01%--36 Month CD
0.25%--6 Month CD
0.25%--8 Month CD
0.15%--3 Month CD

Middlesex Federal Savings, F.A. IRA Rates

3.69%--18 Month Variable Rate IRA
2.85%--31 Month IRA - Promotional
2.45%--19 Month IRA - Promotional
2.25%--13 Month IRA - Promotional
2.00%--60 Month IRA
1.80%--18 Month IRA
1.75%--12 Month IRA
1.50%--24 Month IRA
1.35%--30 Month IRA
1.16%--48 Month IRA
1.01%--36 Month IRA
0.25%--6 Month IRA
0.25%--8 Month IRA
0.15%--3 Month IRA

Middlesex Federal Savings, F.A. Locations
Middlesex Federal Savings, F.A.1 College AveSomerville, MA 02144
1196 Broadway Branch1196 BroadwaySomerville, MA 02144
Riverside Ave Branch53 Riverside AvenueMedford, MA 02155

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