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MountainOne Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
Overview / Commentary
www.mountainone.com
855-444-6861
93 Main Street
North Adams, MA 01247

MountainOne Bank is headquartered in NORTH ADAMS and is the 52nd largest bank in the state of Massachusetts. It is also the 1,040th largest bank in the nation. It was established in 1848 and as of September of 2024, it had grown to 177 employees at 6 locations. MountainOne Bank's CD rates are 4X the national average, and it has an A health rating.

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Health
A

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #90253
Year Established1848
Employees177
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD6.5%
Annual Interest Income$38.2MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$984.8MM$979.1MM
LoansQ3 2024vs Q3 2023$706.9MM$727.5MM
DepositsQ3 2024vs Q3 2023$760MM$760.5MM
Equity CapitalQ3 2024vs Q3 2023$150.9MM$137MM
Loan Loss AllowanceQ3 2024vs Q3 2023$7.9MM$8.9MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$2.2MM$1.7MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
3.80%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 1/14/2025
4.00%
Our Rating
4.6  / 5
SoFi Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 4.00% 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
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

MountainOne Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$1-Youth Savings
0.50%$1-Pinnacle Savings

MountainOne Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$1-VISTA Premier Checking

MountainOne Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$10-6 Month CD
3.50%$10-12 Month CD
3.50%$10-9 Month CD
2.75%$10-60 Month CD
2.50%$10-48 Month CD
2.25%$10-18 Month CD
2.25%$10-36 Month CD
2.00%$10-24 Month CD
1.00%$10-3 Month CD

MountainOne Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.50%$10-48 Month IRA
2.25%$10-18 Month IRA
2.25%$10-36 Month IRA
2.00%$10-24 Month IRA
1.25%$10-12 Month IRA
1.10%$10-6 Month IRA
1.00%$10-3 Month IRA
Locations


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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