Fall River Five Cents Savings Bank
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Fall River Five Cents Savings Bank is an FDIC insured institution headquartered at
79 N Main St, Fall River, MA 02720.
It was founded in
0000 and has approximately $2 billion in
assets. Customers can open an account at one of its 15 branches.
Deposit Rates - June 7, 2023
SAVINGS RATES | APY | MIN | |
---|---|---|---|
Savings
|
0.05% | $2,500 | Compare |
CD RATES | APY | MIN | |
---|---|---|---|
6 Mo CD
|
0.50% | $10,000 | Compare |
6 Mo CD
|
0.50% | $100,000 | Compare |
12 Mo CD
|
0.40% | $10,000 | Compare |
12 Mo CD
|
0.40% | $100,000 | Compare |
18 Mo CD
|
0.50% | $10,000 | Compare |
18 Mo CD
|
0.50% | $100,000 | Compare |
24 Mo CD
|
0.65% | $10,000 | Compare |
24 Mo CD
|
0.65% | $100,000 | Compare |
30 Mo CD
|
0.75% | $10,000 | Compare |
30 Mo CD
|
0.75% | $100,000 | Compare |
36 Mo CD
|
0.80% | $10,000 | Compare |
36 Mo CD
|
0.80% | $100,000 | Compare |
48 Mo CD
|
1.15% | $10,000 | Compare |
48 Mo CD
|
1.15% | $100,000 | Compare |
60 Mo CD
|
1.00% | $10,000 | Compare |
60 Mo CD
|
1.00% | $100,000 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.10% | $2,500 | Compare |
Money Market
|
0.10% | $10,000 | Compare |
Money Market
|
0.10% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
Int Ckg
|
0.05% | $2,500 |
Loan Rates - June 7, 2023
HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
---|---|---|---|---|
Line of Credit
|
7.50% | Varies | ||
Compare with RATE Line of Credit from New American Funding, LLC
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Compare with RATE Line of Credit from AimLoan.com NMLS#2890
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Compare with RATE Line of Credit from PenFed Credit Union
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Compare with RATE Line of Credit from Figure Home Equity Line
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5 Year Loan
|
7.25% | $958.06 | ||
10 Year Loan
|
5.63% | $552.09 | ||
15 Year Loan
|
5.88% | $425.45 |
AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
---|---|---|
3 Year
|
6.75% | $769.07 |
4 Year
|
7.00% | $598.66 |
5 Year
|
7.25% | $497.98 |
6 Year
|
7.50% | $432.25 |
Overview 2023
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 23286 |
Date Established | 0000 |
Assets | $ 1,705.19 million |
Loans | $ 1,335.61 million |
Deposits | $ 1,322.20 million |
Capital | $ 107.65 million |
Summary Balance Sheet as of December 31, 2022
ASSETS | |
Cash & Balances due from depository institutions | $ 35.40 million |
Interest-bearing balances | $ 27.61 million |
Total securities | $ 251.47 million |
Federal funds sold and reverse repurchase | N.A. |
Net loans and leases | $ 1,335.61 million |
Loan loss allowance | $ 10.18 million |
Trading account assets | N.A. |
Bank premises and fixed assets | N.A. |
Other real estate owned | N.A. |
Goodwill and other intangibles | $ 4.40 million |
All other assets | $ 48.11 million |
Total Assets | $ 1,597.54 million |
LIABILITIES | |
Total deposits | $ 1,322.20 million |
Interest-bearing deposits | $ 1,049.87 million |
Deposits held in domestic offices | $ 1,322.20 million |
% insured (estimated) | 75.41% |
Federal funds purchased and repurchase agreements | N.A. |
Trading liabilities | N.A. |
Other borrowed funds | $ 224.70 million |
Subordinated debt | N.A. |
All other liabilities | $ 17.30 millionn |
Total Liabilities | $ 1,597.54 million |
Shareholders’ Equity | $ 107.65 million |
Summary Income Statement as of December 31, 2022
INCOME AND EXPENSES | |
Total Interest Income | $ 52.84 million |
Total Interest Expense | $ 9.36 million |
Net interest income | $ 43.48 million |
Provision for loan and lease losses | $ 1.93 million |
Total non interest income | $ 7.91 million |
Total non interest expense | $ 39.37 million |
Pre-tax Net Operating Income | $ 6.01 million |
Customer Reviews for Fall River Five Cents Savings Bank
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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 CDBankMASSACHUSETTS$50,0006 Month0.50%1.61x (National Avg. - 0.31%)$10,000-SCENARIO
Year Rate
0.50%Annual
InterestAnnual Interest
(After Tax)1 50,000 250 175 2 50,250 251 176 3 50,501 253 177 4 50,754 254 178 5 51,008 255 179 6 51,263 256 179 7 51,519 258 180 8 51,776 259 181 9 52,035 260 182 10 52,296 261 183 11 52,557 263 184 12 52,820 264 185 13 53,084 265 186 14 53,349 267 187 15 53,616 268 188 16 53,884 269 189 17 54,154 271 190 18 54,424 272 190 19 54,696 273 191 20 54,970 275 192 TOTAL $5,245 $3,671 - 2LOCAL CDOnline Bank-$50,00060 Month4.00%4.67x (National Avg. - 0.86%)$2,500-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689 - 3LOCAL CDOnline Bank-$50,00024 Month4.30%7.26x (National Avg. - 0.59%)$2,500-SCENARIO
Year Rate
4.30%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,150 1,505 2 52,150 2,242 1,570 3 54,392 2,339 1,637 4 56,731 2,439 1,708 5 59,171 2,544 1,781 6 61,715 2,654 1,858 7 64,369 2,768 1,938 8 67,137 2,887 2,021 9 70,024 3,011 2,108 10 73,035 3,140 2,198 11 76,175 3,276 2,293 12 79,451 3,416 2,391 13 82,867 3,563 2,494 14 86,430 3,717 2,602 15 90,147 3,876 2,713 16 94,023 4,043 2,830 17 98,066 4,217 2,952 18 102,283 4,398 3,079 19 106,681 4,587 3,211 20 111,268 4,785 3,349 TOTAL $66,053 $46,237 - 4LOCAL CDOnline Bank-$50,00012 Month4.75%10.02x (National Avg. - 0.47%)$2,500-SCENARIO
Year Rate
4.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,375 1,663 2 52,375 2,488 1,741 3 54,863 2,606 1,824 4 57,469 2,730 1,911 5 60,199 2,859 2,002 6 63,058 2,995 2,097 7 66,053 3,138 2,196 8 69,191 3,287 2,301 9 72,477 3,443 2,410 10 75,920 3,606 2,524 11 79,526 3,777 2,644 12 83,304 3,957 2,770 13 87,261 4,145 2,901 14 91,406 4,342 3,039 15 95,747 4,548 3,184 16 100,295 4,764 3,335 17 105,059 4,990 3,493 18 110,050 5,227 3,659 19 115,277 5,476 3,833 20 120,753 5,736 4,015 TOTAL $76,488 $53,542 - 5LOCAL CDBank-$50,00018 Month4.75%9.19x (National Avg. - 0.52%)$2,500-SCENARIO
Year Rate
4.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,375 1,663 2 52,375 2,488 1,741 3 54,863 2,606 1,824 4 57,469 2,730 1,911 5 60,199 2,859 2,002 6 63,058 2,995 2,097 7 66,053 3,138 2,196 8 69,191 3,287 2,301 9 72,477 3,443 2,410 10 75,920 3,606 2,524 11 79,526 3,777 2,644 12 83,304 3,957 2,770 13 87,261 4,145 2,901 14 91,406 4,342 3,039 15 95,747 4,548 3,184 16 100,295 4,764 3,335 17 105,059 4,990 3,493 18 110,050 5,227 3,659 19 115,277 5,476 3,833 20 120,753 5,736 4,015 TOTAL $76,488 $53,542 - 6LOCAL CDBank-$50,00012 Month5.20%10.97x (National Avg. - 0.47%)$1,000-SCENARIO
Year Rate
5.20%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,600 1,820 2 52,600 2,735 1,915 3 55,335 2,877 2,014 4 58,213 3,027 2,119 5 61,240 3,184 2,229 6 64,424 3,350 2,345 7 67,774 3,524 2,467 8 71,298 3,708 2,595 9 75,006 3,900 2,730 10 78,906 4,103 2,872 11 83,009 4,316 3,022 12 87,326 4,541 3,179 13 91,867 4,777 3,344 14 96,644 5,025 3,518 15 101,669 5,287 3,701 16 106,956 5,562 3,893 17 112,518 5,851 4,096 18 118,369 6,155 4,309 19 124,524 6,475 4,533 20 130,999 6,812 4,768 TOTAL $87,811 $61,468
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