Dedham Institution for Savings
Dedham Institution for Savings is an FDIC insured institution headquartered at
55 Elm St, Dedham, MA 02026.
It was founded in
1831 and has approximately $3 billion in assets. Customers can open an account at one of its 15 branches.
Deposit Rates - December 22, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.05% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.50% | $1,000 | Compare |
|
6 Mo CD
|
1.00% | $1,000 | Compare |
|
9 Mo CD
|
5.10% | $1,000 | Compare |
|
12 Mo CD
|
4.50% | $1,000 | Compare |
|
15 Mo CD
|
4.75% | $1,000 | Compare |
|
18 Mo CD
|
4.50% | $1,000 | Compare |
|
24 Mo CD
|
4.25% | $1,000 | Compare |
|
30 Mo CD
|
3.75% | $1,000 | Compare |
|
36 Mo CD
|
3.75% | $1,000 | Compare |
|
48 Mo CD
|
3.75% | $1,000 | Compare |
|
60 Mo CD
|
3.75% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.05% | $10 | Compare |
|
Money Market
|
0.50% | $10,000 | Compare |
|
Money Market
|
3.00% | $100,000 | Compare |
| FIXED IRA RATES | APY | MIN |
|---|---|---|
|
9 Mo FIRA
|
5.10% | $100 |
|
15 Mo FIRA
|
4.75% | $100 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.05% | $10 |
Featured Home Equity Rates
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$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Featured 30-Year Fixed Mortgage Rates
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$0 Fees - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 23620 |
| Date Established | 1831 |
| Assets | $ 2.55 billion |
| Loans | $ 1,972.62 million |
| Deposits | $ 1,909.03 million |
| Capital | $ 267.18 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 23.75 million |
| Interest-bearing balances | $ 5.96 million |
| Total securities | $ 457.71 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,972.62 million |
| Loan loss allowance | $ 13.34 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 6.69 million |
| Goodwill and other intangibles | $ 3.37 million |
| All other assets | $ 51.07 million |
| Total Assets | $ 2.28 billion |
| LIABILITIES | |
| Total deposits | $ 1,909.03 million |
| Interest-bearing deposits | $ 1,658.74 million |
| Deposits held in domestic offices | $ 1,909.03 million |
| % insured (estimated)" | 68.51% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 64.82 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 25.75 millionn |
| Total Liabilities | $ 2.28 billion |
| Shareholders’ Equity | $ 267.18 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 60.32 million |
| Total Interest Expense | $ 28.57 million |
| Net interest income | $ 31.74 million |
| Provision for loan and lease losses | $ 1.83 million |
| Total non interest income | $ 2.61 million |
| Total non interest expense | $ 26.27 million |
| Pre-tax Net Operating Income | $ 10.51 million |
Customer Reviews for Dedham Institution for Savings
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Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.05%0.22x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
0.05%Annual
InterestAnnual Interest
(After Tax)1 50,000 25 18 2 50,025 25 18 3 50,050 25 18 4 50,075 25 18 5 50,100 25 18 6 50,125 25 18 7 50,150 25 18 8 50,175 25 18 9 50,200 25 18 10 50,225 25 18 11 50,251 25 18 12 50,276 25 18 13 50,301 25 18 14 50,326 25 18 15 50,351 25 18 16 50,376 25 18 17 50,402 25 18 18 50,427 25 18 19 50,452 25 18 20 50,477 25 18 TOTAL $502 $352 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.59x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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