Athol Savings Bank
Athol Savings Bank is an FDIC insured institution headquartered at
388 Main St, Athol, MA 01331.
It was founded in
1867 and has approximately $1 billion in assets. Customers can open an account at one of its 8 branches.
Deposit Rates - November 02, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.01% | $10 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.15% | $500 | Compare |
|
6 Mo CD
|
0.25% | $500 | Compare |
|
9 Mo CD
|
1.00% | $501 | Compare |
|
12 Mo CD
|
0.40% | $500 | Compare |
|
13 Mo CD
|
1.00% | $501 | Compare |
|
15 Mo CD
|
1.00% | $500 | Compare |
|
18 Mo CD
|
0.50% | $500 | Compare |
|
21 Mo CD
|
1.50% | $500 | Compare |
|
23 Mo CD
|
3.30% | $500 | Compare |
|
24 Mo CD
|
0.50% | $500 | Compare |
|
36 Mo CD
|
0.50% | $500 | Compare |
|
60 Mo CD
|
0.50% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.75% | $10 | Compare |
|
Money Market
|
0.50% | $2,500 | Compare |
|
Money Market
|
1.00% | $50,000 | Compare |
|
Money Market
|
1.50% | $100,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
9 Mo FIRA
|
1.00% | $501 |
|
13 Mo FIRA
|
1.00% | $501 |
|
15 Mo FIRA
|
1.00% | $501 |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
VIRA
|
0.01% | $10 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.02% | $10 |
|
INTCK
|
0.05% | $2,500 |
Loan Rates - November 02, 2025
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
6.56% | $2,765.60 |
|
20 Year Fixed Conforming
|
6.65% | $2,385.83 |
|
30 Year Fixed Conforming
|
6.86% | $2,075.51 |
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Quicken Loans
|
||
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
15 Year Fixed Conforming
|
6.56% | $2,765.60 |
|
20 Year Fixed Conforming
|
6.65% | $2,385.83 |
|
30 Year Fixed Conforming
|
6.86% | $2,075.51 |
|
Compare with 0.000% APR and 0.000% 30-Year Fixed RATE from Quicken Loans
|
||
| HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Loan
|
6.50% | $1,956.61 |
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
6.49% | $766.11 |
|
4 Year
|
6.74% | $595.65 |
|
5 Year
|
6.74% | $491.97 |
|
6 Year
|
6.99% | $426.11 |
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 90146 |
| Date Established | 1867 |
| Assets | $ 682.20 million |
| Loans | $ 428.78 million |
| Deposits | $ 558.42 million |
| Capital | $ 69.21 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 45.59 million |
| Interest-bearing balances | $ 39.46 million |
| Total securities | $ 179.69 million |
| Federal funds sold and reverse repurchase | $ 0.09 million |
| Net loans and leases | $ 428.78 million |
| Loan loss allowance | $ 4.55 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 0.02 million |
| All other assets | $ 19.04 million |
| Total Assets | $ 612.99 million |
| LIABILITIES | |
| Total deposits | $ 558.42 million |
| Interest-bearing deposits | $ 479.25 million |
| Deposits held in domestic offices | $ 558.42 million |
| % insured (estimated)" | 82.97% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 3.50 millionn |
| Total Liabilities | $ 612.99 million |
| Shareholders’ Equity | $ 69.21 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 13.61 million |
| Total Interest Expense | $ 5.87 million |
| Net interest income | $ 7.74 million |
| Provision for loan and lease losses | $ 0.01 million |
| Total non interest income | $ 2.07 million |
| Total non interest expense | $ 8.48 million |
| Pre-tax Net Operating Income | $ 1.92 million |
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