Mascoma Bank rates: up to 4.25% APY
bank · FDIC CERT 18013 · www.mascoma.bank/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Build Savings | rates dated 24 Jun 2026 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Build Savings – Tier 1 | $0.01-$4,999.99 | 3.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Health Savings Account | $100 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Minor Savings | $10 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | ELEVATE 1 MMA – Tier 1 · from $1 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | ELEVATE 1 MMA – Tier 2 · from $2 | 2.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings | ELEVATE 1 MMA – Tier 3 · from $3 | 3.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Statement Savings | $100 | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| CD/IRA – 7 Days | $0.01 · 6 days | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| CD – 3 Months | $0.01 · 3 months | 2.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Month CD Special | $0.01 · 5 months | 3.55% | APY | 2026-11-01 | since 2026-11-01 | |
| CD – 6 Months | $0.01 · 6 months | 2.30% | APY | 2026-11-01 | since 2026-11-01 | |
| 9-Month CD Special | $0.01 · 9 months | 3.65% | APY | 2026-11-01 | since 2026-11-01 | |
| CD – 9 Months | $0.01 · 9 months | 2.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 12-Month CD/IRA Special | $0.01 · 1 year | 4.25% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 1 Year | $0.01 · 1 year | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 18-Month CD/IRA Special | $0.01 · 18 months | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 1.5 Years | $0.01 · 18 months | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA 1.5 Years Variable Rate | $0.01 · 18 months | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 2 Years | $0.01 · 2 years | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 3 Years | $0.01 · 3 years | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 4 Years | $0.01 · 4 years | 0.45% | APY | 2026-11-01 | since 2026-11-01 | |
| CD/IRA – 5 Years | $0.01 · 5 years | 0.55% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Plus – Tier 1 | $1,000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus – Tier 2 | $10,000 | 0.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus – Tier 3 | $100,000 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Plus – Tier 4 | $1,000,000 | 0.30% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 1 Year RGC Relationship Gold Checking Account | $0.01 | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking | Relationship Gold – Tier 1 · from $1 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| Checking | Relationship Gold – Tier 2 · from $2 | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| MORE Checking – Tier 1 | $0.01 and Above | 0.01% | APY | 2026-11-01 | since 2026-11-01 | |
| MORE Checking – Tier 3 | $0.01-$25,000*+ | 0.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.mascoma.bank/personal-banking/deposit-accounts/cds-and-iras/ | 2026-11-01 17:42 UTC | ok | 4d3d768b47bd |
| www.mascoma.bank/build-savings/ | 2026-11-01 17:42 UTC | ok | 4f257c676d61 |
| www.mascoma.bank/personal-banking/deposit-rates/ | 2026-11-01 17:42 UTC | ok | be98a5004412 |