MountainOne Bank

Overview / Commentary
93 Main Street
North Adams, MA 01247

MountainOne Bank is headquartered in NORTH ADAMS and is the 51st largest bank in the state of Massachusetts. It is also the 994th largest bank in the nation. It was established in 1848 and as of December of 2023, it had grown to 180 employees at 6 locations. MountainOne Bank's CD rates are 5X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #90253
Year Established1848
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD7.73%
Annual Interest Income$47.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$995.2MM$922.5MM
LoansQ4 2023vs Q4 2022$747.7MM$676.7MM
DepositsQ4 2023vs Q4 2022$723.8MM$710.3MM
Equity CapitalQ4 2023vs Q4 2022$143.1MM$129.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$9MM$12MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$2MM$2MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not MountainOne 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.

MountainOne Bank Savings Account Rates

1.00%$1-Youth Savings
0.50%$1-Pinnacle Savings

MountainOne Bank Money Market Rates

1.25%*$100k*-VISTA Personal Money Market
OTHER TIERS: 0.50% $1 - $5k | 0.60% $5k - $25k | 0.70% $25k - $50k | 1.00% $50k - $100k
1.25%*$100k*-VISTA Business Money Market
OTHER TIERS: 0.50% $1 - $5k | 0.60% $5k - $25k | 0.70% $25k - $50k | 1.00% $50k - $100k
1.15%*$100k*-Pinnacle Money Market
OTHER TIERS: 0.45% $1 - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.95% $50k - $100k
1.15%*$100k*-Pinnacle Business Money Market
OTHER TIERS: 0.45% $1 - $5k | 0.55% $5k - $25k | 0.65% $25k - $50k | 0.95% $50k - $100k

MountainOne Bank Checking Account Rates

0.05%$1-VISTA Premier Checking

MountainOne Bank CD Rates

4.75%$10-9 Month CD Special
4.50%$10-12 Month CD Special
4.25%$10-6 Month CD Special
2.00%$10-60 Month CD
1.85%$10-48 Month CD
1.75%$10-36 Month CD
1.50%$10-24 Month CD
1.35%$10-18 Month CD
0.75%$10-3 Month CD

MountainOne Bank IRA Rates

1.85%$10-48 Month IRA
1.75%$10-36 Month IRA
1.50%$10-24 Month IRA
1.35%$10-18 Month IRA
1.25%$10-12 Month IRA
0.85%$10-6 Month IRA
0.75%$10-3 Month IRA

MountainOne Bank Locations
Pittsfield Branch111 Silver Lake BoulevardPittsfield, MA 01201
Williamstown Savings Bank Branch795 Main StreetWilliamstown, MA 01267
Hoosac Bank93 Main StNorth Adams, MA 01247
Quincy Branch77 Granite StreetQuincy, MA 02169
Scituate Branch54 Front StreetScituate, MA 02066
South Coastal Main Off279 Union StreetRockland, MA 02370

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