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Rollstone Bank & Trust


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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
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.rollstonebank.com
800-640-1166
780 Main Street
Fitchburg, MA 01420

Rollstone Bank & Trust is headquartered in FITCHBURG and is the 54th largest bank in the state of Massachusetts. It is also the 1,109th largest bank in the nation. It was established in 1846 and as of March of 2025, it had grown to 97 employees at 8 locations. Rollstone Bank & Trust has a B+ health rating.

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Health
B+

Data as of Q1 2025

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Health Grade Components

Overall
FDIC Certificate #17797
Year Established1846
Employees97
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-0.23%
Return on Equity - YTD-2.98%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$930.3MM$920.9MM
LoansQ1 2025vs Q1 2024$657MM$644MM
DepositsQ1 2025vs Q1 2024$720.7MM$670.9MM
Equity CapitalQ1 2025vs Q1 2024$70.7MM$71.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$6.2MM$6.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$668K$377K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
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 7/14/2025
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 7/14/2025
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 7/14/2025
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
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.

Rollstone Bank & Trust Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$60k*-Prime Saver
OTHER TIERS: 0.10% → $100 - $30k | 0.20% → $30k - $60k
0.10%*$60k*-Savings Account
OTHER TIERS: 0.03% → $10 - $30k | 0.05% → $30k - $60k
0.10%*$60k*-Business Savings Account
OTHER TIERS: 0.03% → $10 - $30k | 0.05% → $30k - $60k
0.05%$10-Holiday Club
0.05%$10-Vacation Club

Rollstone Bank & Trust Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.40%*$60k*-Money Market
OTHER TIERS: 0.10% → $2.5k - $30k | 0.20% → $30k - $60k

Rollstone Bank & Trust Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.43%$0-IOLTA Checking
1.25%*$0$15kAll-In-One Checking
OTHER TIERS: 0.15% → $15k+

Rollstone Bank & Trust CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$1k-5 Month CD Special
4.00%$1k-7 Month CD Special
1.30%$500-60 Month CD
1.30%$500-Business 60 Month CD
1.25%$500-48 Month CD
1.25%$500-Business 48 Month CD
1.15%$500-36 Month CD
1.15%$500-Business 36 Month CD
1.00%$500-24 Month CD
1.00%$500-Business 24 Month CD
0.85%$500-18 Month CD
0.85%$500-Business 18 Month CD
0.75%$500-12 Month CD
0.75%$500-Business 12 Month CD
0.50%$500-6 Month CD
0.50%$500-Business 6 Month CD
0.25%$500-3 Month CD
0.25%$500-Business 3 Month CD

Rollstone Bank & Trust IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%$1k-9 Month IRA Special
1.30%$500-60 Month IRA
1.25%$500-48 Month IRA
1.15%$500-36 Month IRA
1.00%$500-24 Month IRA
0.85%$500-18 Month IRA
0.75%$500-12 Month IRA
Locations


Rollstone Bank & Trust Locations
Townsend Branch225 Main StreetTownsend, MA 01469
Monument Square Branch24 Monument SquareLeominster, MA 01453
Parkhill Plaza Branch519 Electric AvenueFitchburg, MA 01420
Central Street Branch721 Central StreetLeominster, MA 01453
Rollstone Bank & Trust780 Main StFitchburg, MA 01420
Fitchgate BranchJohn Fitch HighwayFitchburg, MA 01420
Harvard BranchRoute 110 and Old Mill RoadHarvard, MA 01451
Groton Branch788 Boston RoadGroton, MA 01450

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