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Overview / Commentary
978-452-1300
30 International Place
Tewksbury, MA 01876

The Lowell Five Cent Savings Bank is headquartered in Lowell and is the 37th largest bank in the state of Massachusetts. It is also the 684th largest bank in the nation. It was established in 1854 and as of March of 2018, it had grown to 212 employees at 16 locations. The Lowell Five Cent Savings Bank's money market rates are 70% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #90227
Year Established1854
Employees212
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.94%
Annual Interest Income$10.8MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$1.12B$1.10B
LoansQ1 2018vs Q1 2017$874.0MM$826.5MM
DepositsQ1 2018vs Q1 2017$969.8MM$934.9MM
Equity CapitalQ1 2018vs Q1 2017$132.9MM$127.7MM
Loan Loss AllowanceQ1 2018vs Q1 2017$8.0MM$7.8MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.7MM$6.1MM
Real Estate OwnedQ1 2018vs Q1 2017$1.6MM$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Lowell Five Cent Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$50k*-Business Companion Statement Savings
OTHER TIERS: 0.05% Up to $10k | 0.20% $10k - $25k | 0.30% $25k - $50k
0.05%--Passbook Savings
0.05%--Statement Savings
0.05%--Companion Savings

The Lowell Five Cent Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$1m*-Premier Money Market
OTHER TIERS: 0.05% Up to $10k | 0.20% $10k - $25k | 0.30% $25k - $50k | 0.45% $50k - $500k | 0.60% $500k - $1mm
0.20%$2,500-Business Money Market

The Lowell Five Cent Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$10k-AllBusiness Plus Checking
0.05%$5k-Premier Checking Account
0.02%$5k-MyChoice Business Interest (DBA)

The Lowell Five Cent Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$500-35 Month Promotion CD
2.75%$500-Business 35 Month Promotion CD
2.25%$500-25 Month Promotion CD
2.25%$500-Business 25 Month Promotion CD
1.75%$500-15 Month CD Special (New Money Only)
1.75%$500-Business 15 Month CD Special (New Money Only)
1.50%$500-5 Year CD
1.50%$500-Business 5 Year CD
1.30%$500-4 Year CD
1.30%$500-Business 4 Year CD
1.25%$500-15 Month Promotion CD
1.25%$500-Business 15 Month Promotion CD
1.20%$500-3 Year CD
1.20%$500-Business 3 Year CD
0.90%$500-2 1/2 Year CD
0.90%$500-Business 2 1/2 Year CD
0.80%$500-Business 2 Year CD
0.80%$500-2 Year CD
0.70%$500-1 1/2 Year CD
0.70%$500-Business 1 1/2 Year CD
0.60%$500-1 Year CD
0.60%$500-Business 1 Year CD
0.30%$2,500-6 Month CD
0.30%$2,500-Business 6 Month CD
0.25%--40 Week Before You Know It Club

The Lowell Five Cent Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$500-35 Month Promotion IRA
2.75%$500-Business 35 Month Promotion IRA
2.25%$500-25 Month Promotion IRA
2.25%$500-Business 25 Month Promotion IRA
1.75%$500-15 Month IRA Special (New Money Only)
1.75%$500-Business 15 Month CD Special (New Money Only)
1.50%$500-5 Year IRA
1.50%$500-Business 5 Year IRA
1.30%$500-4 Year IRA
1.30%$500-Business 4 Year IRA
1.25%$500-15 Month Promotion IRA
1.25%$500-Business 15 Month Promotion IRA
1.20%$500-3 Year IRA
1.20%$500-Business 3 Year IRA
0.90%$500-2 1/2 Year IRA
0.90%$500-Business 2 1/2 Year IRA
0.80%$500-2 Year IRA
0.80%$500-Business 2 Year IRA
0.70%$500-1 1/2 Year IRA
0.70%$100-12 Month Amplifier IRA
0.70%$100-Business 12 Month Amplifier IRA
0.70%$500-Business 1 1/2 Year IRA
0.60%$500-1 Year IRA
0.60%$500-Business 1 Year IRA
0.30%$2,500-6 Month IRA
0.30%$2,500-Business 6 Month IRA
Locations

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