Winchester Savings Bank

Overview / Commentary
661 Main Street
Winchester, MA 01890

Winchester Savings Bank is headquartered in Winchester and is the 70th largest bank in the state of Massachusetts. It is also the 1,386th largest bank in the nation. It was established in 1871 and as of June of 2020, it had grown to 81 employees at 4 locations. Winchester Savings Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #90308
Year Established1871
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.04%
Annual Interest Income$9.5MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$596.8MM$562.0MM
LoansQ2 2020vs Q2 2019$453.3MM$421.7MM
DepositsQ2 2020vs Q2 2019$522.1MM$476.8MM
Equity CapitalQ2 2020vs Q2 2019$68.6MM$67.8MM
Loan Loss AllowanceQ2 2020vs Q2 2019$3.8MM$3.4MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$1.6MM$1.5MM
Real Estate OwnedQ2 2020vs Q2 2019$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Winchester Savings Bank Savings Account Rates

0.30%$10-Variable Rate Retirement
0.20%*$500k*-Statement Savings
OTHER TIERS: 0.10% $10 - $50k | 0.15% $50k - $500k
0.20%$10-Vacation Club Account
0.20%$10-Holiday Club Account
0.20%*$500k*-Business Statement Savings
OTHER TIERS: 0.10% $10 - $50k | 0.15% $50k - $500k
0.10%$10-Passbook Savings
0.10%$10-Business Passbook Savings

Winchester Savings Bank Money Market Rates

0.40%$10-Business Money Market Account
0.20%$10-Money Market Account

Winchester Savings Bank Checking Account Rates

0.20%$10-IOLTA Checking
0.05%$10-Nexus Plus Checking
0.01%$10-Nexus Checking
0.01%$10-Business Interest Checking
0.01%$10-Interest Checking

Winchester Savings Bank CD Rates

0.55%$500-1 Year CD - Nexus Plus Preferred
0.55%$500-18 Month CD - Nexus Plus Preferred
0.55%$500-2 Year CD - Nexus Plus Preferred
0.55%$500-3 Year CD - Nexus Plus Preferred
0.55%$500-4 Year CD - Nexus Plus Preferred
0.55%$500-5 Year CD - Nexus Plus Preferred
0.50%$500-1 Year CD - Nexus Preferred
0.50%$500-18 Month CD - Nexus Preferred
0.50%$500-2 Year CD - Nexus Preferred
0.50%$500-3 Year CD - Nexus Preferred
0.50%$500-4 Year CD - Nexus Preferred
0.50%$500-5 Year CD - Nexus Preferred
0.45%$500-1 Year CD
0.45%$500-18 Month CD
0.45%$500-2 Year CD
0.45%$500-3 Year CD
0.45%$500-4 Year CD
0.45%$500-5 Year CD
0.30%$500-91 Day CD - Nexus Plus Preferred
0.30%$500-182 Day CD - Nexus Plus Preferred
0.25%$500-91 Day CD - Nexus Preferred
0.25%$500-182 Day CD - Nexus Preferred
0.20%$500-91 Day CD
0.20%$500-182 Day CD

Winchester Savings Bank IRA Rates

0.55%$10-1 Year IRA - Nexus Plus Preferred
0.55%$10-18 Month IRA - Nexus Plus Preferred
0.55%$10-2 Year IRA - Nexus Plus Preferred
0.55%$10-3 Year IRA - Nexus Plus Preferred
0.55%$10-5 Year IRA - Nexus Plus Preferred
0.55%$10-7 Year IRA - Nexus Plus Preferred
0.50%$10-1 Year IRA - Nexus Preferred
0.50%$10-18 Month IRA - Nexus Preferred
0.50%$10-2 Year IRA - Nexus Preferred
0.50%$10-3 Year IRA - Nexus Preferred
0.50%$10-5 Year IRA - Nexus Preferred
0.50%$10-7 Year IRA - Nexus Preferred
0.45%$10-1 Year IRA
0.45%$10-18 Month IRA
0.45%$10-2 Year IRA
0.45%$10-3 Year IRA
0.45%$10-5 Year IRA
0.45%$10-7 Year IRA

Winchester Savings Bank Locations
Arlington Branch188 Medford StreetArlington, MA 02474
Woburn Branch344 Cambridge RoadWoburn, MA 01801
Hammond Square Branch573 Main StreetWoburn, MA 01801
Winchester Savings Bank661 Main StreetWinchester, MA 01890

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