MountainOne Bank (MA) Has Limited Time 8-Month CD Special


Deal Summary: 8-month CD Special, 1.50% APY, $10k minimum deposit, $250k limit per customer, in-branch only.

Availability: Massachusetts residents

For a limited time, MountainOne Bank (MountainOne) is offering an 8-month CD Special (1.50% APY). The minimum opening deposit is $10k, and while there is no stated balance cap, there is a total deposit limit of $250k per customer.

Although “premium CD rates may be available to customers with an active VISTA checking relationship,” this option does not apply to the 8-month CD Special.

According to CSR, the Early Withdrawal Penalties for the 8-month CD Special is six months interest.


Headquartered in North Adams, Massachusetts, MountainOne Bank’s market area stretches from the Berkshires to Boston’s North and South Shores.

Opening the 8-month CD Special must be done in-branch at any of seven full-service branches located in Danvers, North Adams, Pittsfield, Quincy, Rockland, Scituate, and Williamstown.

MountainOne's online banking platform is limited to account management and bill payment services.

Bank Overview

MountainOne Bank has an overall health grade of "A" at, with a Texas Ratio of 6.55% (excellent) based on June 30, 2017 data. In the past year, the Bank has increased its total non-brokered deposits by $18.75 million, an excellent annual growth rate of 3.22%. Please refer to our financial overview of MountainOne Bank (FDIC Certificate # 90253) for more details.

MountainOne Bank was originally founded in 1848 as the North Adams Hoosac Savings Bank. ("Hoosac" refers to the Hoosac Range, an extension of Vermont’s Green Mountains.) After 150 years, the Bank went through a reorganization, an organization type change, and a name change (Hoosac Bank) in 1998, while the Bank’s headquarters remained housed in the 1892 Hoosac Savings Bank building. A further reorganization in 2011 led to the acquisitions of the Williamstown Savings Bank and the South Coastal Bank, with a final name change to MountainOne Bank in 2013.

How the CD Compares

When compared to 223 similar length-of-term CDs tracked by, requiring a similar minimum deposit and available within the Bank’s market area, MountainOne Bank’s 8-month CD Special APY currently ranks second.

The above rates are accurate as of 11/22/2017.

To look for the best CD rates, both nationwide and state specific, please refer to our CD rates table, or our new Rates Map page.

Related Pages: Boston CD rates, Albany CD rates, 1-year CD rates

MountainOne Bank Offers $100 Or $200 Bonus For New Checking Accounts
Availability: Residents of New England and New York State

MountainOne Bank (Massachusetts) is offering a $100 bonus when opening a new Pinnacle Value Checking account, or a $200 bonus when opening a new VISTA Premier Checking and a new VISTA Personal Money Market accounts.

Funds not currently on deposit with MountainOne Bank must be used in order to qualify for either bonus. This is a limited time offer, but no end date is specified on MountainOne Bank’s website.

According to the fine print on MountainOne Bank's Value Banking page,...

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MountainOne Bank Offers Three Competitive Rate CD Specials
Availability: Massachusetts residents

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According to the fine print on MountainOne Bank's Certificate of Deposit page,

Premium CD rates may be available to customers with an active VISTA Relationship.

This premium rate does not apply to CD Special Offerings.

According to CSR, the Early Withdrawal Penalties (EWP) for these CD...

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