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MountainOne Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
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.mountainone.com
855-444-6861
93 Main Street
North Adams, MA 01247

MountainOne Bank is headquartered in NORTH ADAMS and is the 50th largest bank in the state of Massachusetts. It is also the 1,034th largest bank in the nation. It was established in 1848 and as of March of 2025, it had grown to 191 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 Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #90253
Year Established1848
Employees191
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.97%
Return on Equity - YTD6.27%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$997.5MM$1.01B
LoansQ1 2025vs Q1 2024$743.7MM$754.8MM
DepositsQ1 2025vs Q1 2024$753.6MM$764.4MM
Equity CapitalQ1 2025vs Q1 2024$154.7MM$144.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.6MM$8.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.3MM$2.3MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
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
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
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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* 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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