Martha's Vineyard Bank
Martha's Vineyard Bank is an FDIC insured institution headquartered at
78 Main St, Edgartown, MA 02539.
It was founded in
1955 and has approximately $1 billion in assets. Customers can open an account at one of its 9 branches.
Deposit Rates - December 12, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.08% | $11 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
4.08% | $1,000 | Compare |
|
9 Mo CD
|
3.90% | $1,000 | Compare |
|
13 Mo CD
|
4.33% | $1,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.09% | $10 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.08% | $10 |
|
INTCK
|
0.08% | $100,000 |
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$0 - 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.
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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 | # 90190 |
| Date Established | 1955 |
| Assets | $ 1,314.40 million |
| Loans | $ 1,123.62 million |
| Deposits | $ 1,057.85 million |
| Capital | $ 137.84 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 30.92 million |
| Interest-bearing balances | $ 17.08 million |
| Total securities | $ 88.68 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 1,123.62 million |
| Loan loss allowance | $ 8.83 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 1.69 million |
| All other assets | $ 37.40 million |
| Total Assets | $ 1,176.57 million |
| LIABILITIES | |
| Total deposits | $ 1,057.85 million |
| Interest-bearing deposits | $ 798.54 million |
| Deposits held in domestic offices | $ 1,057.85 million |
| % insured (estimated)" | 67.06% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 33.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 6.44 millionn |
| Total Liabilities | $ 1,176.57 million |
| Shareholders’ Equity | $ 137.84 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 27.02 million |
| Total Interest Expense | $ 10.77 million |
| Net interest income | $ 16.26 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 3.24 million |
| Total non interest expense | $ 14.95 million |
| Pre-tax Net Operating Income | $ 9.19 million |
Customer Reviews for Martha's Vineyard Bank
Branches
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Martha's Vineyard Bank Locations
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.0.08%0.35x (National Avg. - 0.23%)$11-SCENARIO
Year Rate
0.08%Annual
InterestAnnual Interest
(After Tax)1 50,000 40 28 2 50,040 40 28 3 50,080 40 28 4 50,120 40 28 5 50,160 40 28 6 50,200 40 28 7 50,240 40 28 8 50,281 40 28 9 50,321 40 28 10 50,361 40 28 11 50,401 40 28 12 50,442 40 28 13 50,482 40 28 14 50,523 40 28 15 50,563 40 28 16 50,603 40 28 17 50,644 41 28 18 50,684 41 28 19 50,725 41 28 20 50,765 41 28 TOTAL $806 $564 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-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
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