Middlesex Savings Bank

Overview / Commentary
6 Main Street
Natick, MA 01760

Middlesex Savings Bank is the 2nd largest mutual bank in Massachusetts, and the 6th largest mutual bank in the country, with assets exceeding $3.5 billion and 25 branch locations.

As a mutual savings bank, they don't have stockholders. They can't be sold, and they don't sell their customer relationships. Instead, they focus on providing value, convenience and personal attention to all of their customers. They believe that their commitment to providing outstanding and memorable customer service is one of the most important differences between their Bank and other financial institutions in their marketplace.

Reviews (1)

Great Bank

This is one of the best banks I have dealt with. The service is really good and people are nice. They know me personally and make me feel welcome.

I had to transfer some money and they went all out to help me. Plus they are plain out nice. The bank is healthy and does not play games with our money.

If other banks were like this we would not have had the 2008 disaster. It proves that there are honest bankers. You only have to find them. Thankfully there are other good banks also but mostly they are local ones. This one is top tier.


Health Grade Components

FDIC Certificate #90183
Year Established1835
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.35%
Return on Equity - YTD3.55%
Annual Interest Income$168.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$6.26B$6.16B
LoansQ3 2023vs Q3 2022$3.76B$3.43B
DepositsQ3 2023vs Q3 2022$4.88B$5.2B
Equity CapitalQ3 2023vs Q3 2022$617MM$587.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$31.1MM$31.6MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$3.7MM$9.9MM
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Middlesex Savings Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Middlesex Savings Bank Savings Account Rates

1.45%$10-Statement Saving
1.45%$10-Passbook Saving

Middlesex Savings Bank Money Market Rates

1.65%*$100k*-Freedom Platinum Money Fund
OTHER TIERS: 1.50% $10 - $25k | 1.55% $25k - $50k | 1.60% $50k - $100k
1.60%*$100k*-Freedom Gold Money Fund
OTHER TIERS: 1.45% $10 - $25k | 1.50% $25k - $50k | 1.55% $50k - $100k
1.55%*$100k*-Money Fund
OTHER TIERS: 1.45% $10 - $50k | 1.50% $50k - $100k
1.50%*$50k*-Business Money Fund
OTHER TIERS: 1.45% $10 - $50k

Middlesex Savings Bank Checking Account Rates

0.01%$10-Business NOW Checking

Middlesex Savings Bank CD Rates

5.35%$250-3-5 Month Freedom Platinum CD
5.25%$250-Business 3-5 Month CD
5.25%$250-3-5 Month CD
5.10%$250-6-11 Month Freedom Platinum CD
5.10%$250-12-23 Month Freedom Platinum CD
5.00%$250-Business 6-11 Month CD
5.00%$250-Business 12-23 Month CD
5.00%$250-6-11 Month CD
5.00%$250-12-23 Month CD
4.10%$250-24-35 Month Freedom Platinum CD
4.10%$250-36-47 Month Freedom Platinum CD
4.10%$250-48-59 Month Freedom Platinum CD
4.00%$250-Business 24-35 Month CD
4.00%$250-Business 36-47 Month CD
4.00%$250-Business 48-59 Month CD
4.00%$250-24-35 Month CD
4.00%$250-36-47 Month CD
4.00%$250-48-59 Month CD
3.85%$250-60-71 Month Freedom Platinum CD
3.75%$250-Business 60-71 Month CD
3.75%$250-60-71 Month CD

Middlesex Savings Bank IRA Rates

5.35%$250-3-5 Month Freedom Platinum IRA
5.25%$250-3-5 Month IRA
5.10%$250-6-11 Month Freedom Platinum IRA
5.10%$250-12-23 Month Freedom Platinum IRA
5.00%$250-6-11 Month IRA
5.00%$250-12-23 Month IRA
5.00%$10-12-18 Month IRA - Adjustable Rate
4.10%$250-24-35 Month Freedom Platinum IRA
4.10%$250-36-47 Month Freedom Platinum IRA
4.10%$250-48-59 Month Freedom Platinum IRA
4.00%$250-24-35 Month IRA
4.00%$250-36-47 Month IRA
4.00%$250-48-59 Month IRA
3.85%$250-60-71 Month Freedom Platinum IRA
3.75%$250-60-71 Month IRA


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