Middlesex Federal Savings, F.A.

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 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

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

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!

Overview / Commentary

www.middlesexfederal.com

617-666-4700

1 College Ave
Somerville, MA 02144

Middlesex Federal Savings, F.A. is headquartered in SOMERVILLE and is the 67^th largest bank in the state of Massachusetts. It is also the 1,476^th largest bank in the nation. It was established in 1890 and as of March of 2025, it had grown to 70 employees at 4 locations. Middlesex Federal Savings, F.A. has a B+ health rating.

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Health

B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #	28368
Year Established	1890
Employees	70
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	9.53%
Annual Interest Income	$7.1MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$644.9MM$643.5MM
Loans	Q1 2025vs Q1 2024	$506MM$480.9MM
Deposits	Q1 2025vs Q1 2024	$585.1MM$594.6MM
Equity Capital	Q1 2025vs Q1 2024	$51.6MM$44.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.1MM$5.8MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$259K$39K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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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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.

Middlesex Federal Savings, F.A. Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$50	-	Statement Savings
0.40%	$50	-	eStatement Savings
0.05%	$50	-	Passbook Savings
0.05%	$10	-	Club Account

Middlesex Federal Savings, F.A. Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$50k^*	$3m	Money Market Savings
OTHER TIERS: 0.10% → $50 - $10k \| 0.25% → $10k - $50k \| 0.30% → $3m+
0.40%^*	$50k^*	$3m	Business Money Market
OTHER TIERS: 0.10% → $50 - $10k \| 0.25% → $10k - $50k \| 0.30% → $3m+

Middlesex Federal Savings, F.A. Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	President's Choice Checking
OTHER TIERS: 0.05% → $0 - $1.5k \| 0.10% → $1.5k - $25k
0.10%	$0	-	Easy Interest Business Checking

Middlesex Federal Savings, F.A. CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.25%	$0	-	3 Month CD Special
4.00%	$0	-	8 Month CD Special
4.00%	$0	-	Business 8 Month CD Special
3.50%	$0	-	13 Month CD - Special
3.50%	$0	-	Business 13 Month CD - Special
2.75%	$0	-	19 Month CD
2.75%	$0	-	Business 19 Month CD
0.80%	$500	-	60 Month CD
0.80%	$500	-	Business 60 Month CD
0.70%	$500	-	48 Month CD
0.70%	$500	-	Business 48 Month CD
0.60%	$500	-	36 Month CD
0.60%	$500	-	30 Month CD
0.60%	$500	-	Business 30 Month CD
0.60%	$500	-	Business 36 Month CD
0.60%	$0	-	31 Month CD
0.60%	$0	-	Business 31 Month CD
0.50%	$500	-	24 Month CD
0.50%	$500	-	Business 24 Month CD
0.45%	$500	-	18 Month CD
0.45%	$500	-	Business 18 Month CD
0.40%	$500	-	12 Month CD
0.40%	$500	-	Business 12 Month CD
0.30%	$500	-	6 Month CD
0.30%	$500	-	Business 6 Month CD

Middlesex Federal Savings, F.A. IRA Rates

APY	MIN	MAX	ACCOUNT NAME
5.09%	$0	-	18 Month Variable Rate IRA
4.25%	$0	-	3 Month IRA Special
4.00%	$0	-	8 Month IRA -Special
3.50%	$0	-	13 Month IRA - Special
2.75%	$500	-	19 Month IRA
0.80%	$500	-	60 Month IRA
0.70%	$500	-	48 Month IRA
0.60%	$500	-	36 Month IRA
0.60%	$500	-	30 Month IRA
0.60%	$500	-	31 Month IRA
0.50%	$500	-	24 Month IRA
0.45%	$500	-	18 Month IRA
0.40%	$500	-	12 Month IRA
0.40%	$50	-	IRA Passbook Savings
0.30%	$500	-	6 Month IRA

Locations

Middlesex Federal Savings, F.A. Locations
Middlesex Federal Savings, F.A.	1 College Ave	Somerville, MA 02144
1196 Broadway Branch	1196 Broadway	Somerville, MA 02144
Riverside Ave Branch	53 Riverside Avenue	Medford, MA 02155

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