Bank · FDIC insured
Mascoma Bank Savings Rates
Mascoma Bank’s best savings rate is 0.75% APY on $10,000, with its Elevate 1 MMA. Rates checked October 22, 2026.
How Mascoma Bank’s savings rates compare
Compared with banks and credit unions near Lebanon, NH-VT, where Mascoma Bank has the most branches. $10,000, best rate first.
This bank’s best
Mascoma Bank
0.75%APY
- Minimum
- $0.01
- Earns on $10,000 a year
- $75
Elevate 1 MMA
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Ledyard Bank
3.25%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $325
Mascoma Bank savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0001.80%
- $100,000 balance$100,0002.00%
- QualifiedQualified1.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mascoma Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Elevate 1 MMA
0.75%APY
An interest-bearing account for consumers, that blends the advantages of both a savings and checking account. Tiered interest rates higher than the Money Market Plus account and the flexibility of writing checks. Unlimited withdrawals allowed per cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.75% | $75 |
| $50,000 and up | 2.00% | — |
| $500,000 and up | 3.00% | — |
Sources (2)
All captured Oct 22, 2026
Build Savings
1.80%APY on $10,000
The Build Savings account offers a competitive interest rate. No monthly fees. Unlimited withdrawals allowed per cycle. On balances up to $4,999.99, the competitive higher rate will apply. For balances of $5,000 or more, the base savings rate will apply. Minimum balance to earn interest $0.01. Qualifications required.
| Part of the balance | Rate on that part |
|---|---|
| Up to $5,000 | 3.44% |
| $5,000 and up | 0.10% |
On $10,000 the tiers blend to about 1.80% APY, earning $180 a year.
Sources (3)
- mascoma.bank/personal-banking/deposit-accounts/savings
- mascoma.bank/personal-banking/deposit-rates
- mascoma.bank/build-savings
All captured Oct 22, 2026
Money Market Plus
Up to 0.15%APY
An interest-bearing account that blends the advantages of both a savings and checking account. Tiered interest rates and the flexibility of writing checks. Unlimited withdrawals allowed per cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 and up | 0.10% | $10 |
| $10,000 and up | 0.15% | $15 |
| $100,000 and up | 0.20% | — |
| $1,000,000 and up | 0.30% | — |
Sources (2)
All captured Oct 22, 2026
Statement Savings
0.05%APY
A basic savings account designed to keep assets secure, yet liquid, while earning interest. Unlimited withdrawals allowed per cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Health Savings Account
0.10%APY
Allows individuals with a high-deductible healthcare plan to potentially make deductible contributions and accumulate earnings tax free with payment flexibility. All electronic deposits made to HSAs will be considered current year contributions. Minimum balance may be required to avoid fees and to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.10% | $10 |
Sources (2)
All captured Oct 22, 2026
Minor Savings
0.05%APY
Tailored to educate children about saving money and healthy savings habits. No monthly fees, primary account owner must be under 18 years of age. Unlimited withdrawals allowed per cycle.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $10 and up | 0.05% | $5 |
Sources (2)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.