Middlesex Savings Bank
ACH Number: 211371227
Middlesex Savings Bank is an FDIC insured institution headquartered at
6 Main St, Natick, MA 01760.
It was founded in
1835 and has approximately $6 billion in assets. Customers can open an account at one of its 34 branches.
It was founded in 1835 and has approximately $6 billion in assets. Customers can open an account at one of its 34 branches.
Deposit Rates - December 09, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
1.45% | $10 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
4.25% | $10 | Compare |
|
9 Mo CD
|
4.25% | $10 | Compare |
|
12 Mo CD
|
4.25% | $10 | Compare |
|
18 Mo CD
|
4.25% | $10 | Compare |
|
24 Mo CD
|
4.00% | $10 | Compare |
|
36 Mo CD
|
4.00% | $10 | Compare |
|
48 Mo CD
|
4.00% | $10 | Compare |
|
60 Mo CD
|
3.75% | $10 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
1.50% | $50,000 | Compare |
|
Money Market
|
1.65% | $100,000 | Compare |
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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.
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Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 90183 |
| Date Established | 1835 |
| Assets | $ 6.10 billion |
| Loans | $ 3.53 billion |
| Deposits | $ 5.23 billion |
| Capital | $ 738.19 million |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 119.40 million |
| Interest-bearing balances | $ 70.01 million |
| Total securities | $ 2.07 billion |
| Federal funds sold and reverse repurchase | $ 40.99 million |
| Net loans and leases | $ 3.53 billion |
| Loan loss allowance | $ 35.30 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | $ 14.06 million |
| All other assets | $ 222.00 million |
| Total Assets | $ 5.36 billion |
| LIABILITIES | |
| Total deposits | $ 5.23 billion |
| Interest-bearing deposits | $ 3.98 billion |
| Deposits held in domestic offices | $ 5.23 billion |
| % insured (estimated)" | 77.65% |
| Federal funds purchased and repurchase agreements | $ 84.51 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 60.16 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 44.47 millionn |
| Total Liabilities | $ 5.36 billion |
| Shareholders’ Equity | $ 738.19 million |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 123.51 million |
| Total Interest Expense | $ 60.75 million |
| Net interest income | $ 62.76 million |
| Provision for loan and lease losses | $ 1.46 million |
| Total non interest income | $ 7.45 million |
| Total non interest expense | $ 55.91 million |
| Pre-tax Net Operating Income | $ 16.74 million |
Customer Reviews for Middlesex Savings Bank
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Middlesex Savings 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.1.45%6.42x (National Avg. - 0.23%)$10-SCENARIO
Year Rate
1.45%Annual
InterestAnnual Interest
(After Tax)1 50,000 725 508 2 50,725 736 515 3 51,461 746 522 4 52,207 757 530 5 52,964 768 538 6 53,732 779 545 7 54,511 790 553 8 55,301 802 561 9 56,103 813 569 10 56,917 825 578 11 57,742 837 586 12 58,579 849 595 13 59,428 862 603 14 60,290 874 612 15 61,164 887 621 16 62,051 900 630 17 62,951 913 639 18 63,864 926 648 19 64,790 939 658 20 65,729 953 667 TOTAL $16,682 $11,678 - 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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