Winchester Savings Bank

Overview / Commentary
661 Main Street
Winchester, MA 01890

Winchester Savings Bank is headquartered in Winchester and is the 67th largest bank in the state of Massachusetts. It is also the 1,442nd largest bank in the nation. It was established in 1871 and as of December of 2021, it had grown to 75 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 - YTD0.42%
Return on Equity - YTD3.67%
Annual Interest Income$17.0MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$628.0MM$595.9MM
LoansQ4 2021vs Q4 2020$459.6MM$452.0MM
DepositsQ4 2021vs Q4 2020$548.3MM$520.0MM
Equity CapitalQ4 2021vs Q4 2020$71.6MM$68.1MM
Loan Loss AllowanceQ4 2021vs Q4 2020$4.0MM$3.9MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.9MM$2.2MM
Real Estate OwnedQ4 2021vs Q4 2020$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
0.25%*$50k*-Money Market Account
OTHER TIERS: 0.20% $10 - $50k

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

0.80%$500-5 Year CD - Nexus Plus Preferred
0.75%$500-4 Year CD - Nexus Plus Preferred
0.75%$500-5 Year CD - Nexus Preferred
0.70%$500-3 Year CD - Nexus Plus Preferred
0.70%$500-4 Year CD - Nexus Preferred
0.70%$500-5 Year CD
0.65%$500-3 Year CD - Nexus Preferred
0.65%$500-4 Year CD
0.60%$500-3 Year CD
0.60%$500-18 Month CD - Nexus Plus Preferred
0.60%$500-2 Year CD - Nexus Plus Preferred
0.55%$500-18 Month CD - Nexus Preferred
0.55%$500-2 Year CD - Nexus Preferred
0.50%$500-18 Month CD
0.50%$500-2 Year CD
0.45%$500-1 Year CD - Nexus Plus Preferred
0.40%$500-1 Year CD - Nexus Preferred
0.35%$500-1 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

0.80%$10-5 Year IRA - Nexus Plus Preferred
0.80%$10-7 Year IRA - Nexus Plus Preferred
0.75%$10-5 Year IRA - Nexus Preferred
0.75%$10-7 Year IRA - Nexus Preferred
0.70%$10-5 Year IRA
0.70%$10-7 Year IRA
0.70%$10-3 Year IRA - Nexus Plus Preferred
0.65%$10-3 Year IRA - Nexus Preferred
0.60%$10-3 Year IRA
0.60%$10-18 Month IRA - Nexus Plus Preferred
0.60%$10-2 Year IRA - Nexus Plus Preferred
0.55%$10-18 Month IRA - Nexus Preferred
0.55%$10-2 Year IRA - Nexus Preferred
0.50%$10-18 Month IRA
0.50%$10-2 Year IRA
0.45%$10-1 Year IRA - Nexus Plus Preferred
0.40%$10-1 Year IRA - Nexus Preferred
0.35%$10-1 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 StWinchester, MA 01890

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