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Be ready to seize a new opportunity or cover unexpected expenses when you establish a Commercial Line of Credit.
Learn MoreChecking Rates
The interest-bearing account for customers 50 and better.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY* 0.05% | Interest Rate 0.05% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
APY is accurate as of XX.XX.2025. All rates and terms subject to change without notice.
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
Earn interest monthly on your checking balance.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY* 0.05% | Interest Rate 0.05% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
Earn a higher rate of interest for higher balances.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY* 0.10% | Interest Rate 0.10% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $1,500 |
| APY* 0.05% | Interest Rate 0.05% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 to $1499.99 |
APY= Annual Percentage Yield
MONTHLY COMPOUNDING
Interest is paid monthly and is available on the first business day of each month. Certain assumptions apply. Please ask for details.
Fees could reduce the earnings of the account.
* Variable rate accounts – rates may change after the account is opened.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY* 0.10% | Interest Rate 0.10% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY* 0.10% | Interest Rate 0.10% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| APY | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|
| APY 0.10% | Interest Rate 0.10% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
| Tier | APY | Rate | Min. Deposit to Open Account | Min. Balance to Obtain APY |
|---|---|---|---|---|
| Tier $0.01 – $9,999.99 | APY 0.25% | Rate 0.25% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $10,000 – $24,999.99 | APY 0.25% | Rate 0.25% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $25,000 – $49,999.99 | APY 0.25% | Rate 0.25% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $50,000 – $74,999.99 | APY 0.35% | Rate 0.35% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $75,000 – $99,999.99 | APY 0.50% | Rate 0.50% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $100,000 – $249,999.99 | APY 1.25% | Rate 1.24% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $250,000 – $499,999.99 | APY 1.50% | Rate 1.49% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $500,000 – $999,999.99 | APY 1.75% | Rate 1.74% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $1,000,0000 or more | APY 2.00% | Rate 1.98% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
*Earns a variable rate of interest, compounded and credited monthly. Rate may change after account is opened. Interest is available on first business day of each month. Fees could reduce earnings. Certain assumptions apply. Please ask for details.
| Apply Now | APY1 | Rate |
|---|---|---|
| Apply Now | APY1 3.00% | Rate 2.96% |
| Apply Now | APY1 4.00% | Rate 3.93% |
| Apply Now | APY1 3.75% | Rate 3.69% |
| Apply Now | APY1 3.00% | Rate 2.96% |
| Apply Now | APY1 3.51% | Rate 3.45% |
| Apply Now | APY1 3.00% | Rate 2.96% |
| Apply Now | APY1 3.00% | Rate 2.96% |
| Apply Now | APY1 .15% | Rate .15% |
| Apply Now | APY1 .20% | Rate .20% |
| Apply Now | APY1 .20% | Rate .20% |
| Apply Now | APY1 3.00% | Rate 2.96% |
| Apply Now | APY1 .25% | Rate .25% |
| Apply Now | APY1 .25% | Rate .25% |
| Apply Now | APY1 .35% | Rate .35% |
1APY= Annual Percentage Yield. $500 minimum deposit to open account and minimum balance to obtain APY. Fees could reduce earnings. Early withdrawal penalty may be imposed.
2Premier certificates require $10,000 minimum balance. Must have Premier Interest Checking to open and obtain APY.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Loan Term | Interest Rate1 | Points | APR | Monthly Payment / $1,000 |
|---|---|---|---|---|
| Loan Term 15 Years | Interest Rate1 5.750% | Points 0.0 | APR 60.48% | Monthly Payment / $1,000 180 monthly payments of $8.30 |
| Loan Term 15 Years w/ Automatic Deduction1 | Interest Rate1 5.625% | Points 0.0 | APR 5.958% | Monthly Payment / $1,000 180 monthly payments of $8.24 |
| Loan Term 20 Years | Interest Rate1 6.375% | Points 0.0 | APR 6.646% | Monthly Payment / $1,000 240 monthly payments of $7.38 |
| Loan Term 20 Years w/ Automatic Deduction1 | Interest Rate1 6.250% | Points 0.0 | APR 6.520% | Monthly Payment / $1,000 240 monthly payments of $7.31 |
| Loan Term 30 Years | Interest Rate1 6.5% | Points 0.0 | APR 6.707% | Monthly Payment / $1,000 360 monthly payments of $6.32 |
| Loan Term 30 Years w/ Automatic Deduction1 | Interest Rate1 6.375% | Points 0.0 | APR 6.581% | Monthly Payment / $1,000 360 monthly payments of $6.24 |
Marblehead Bank NMLS# 417751
1All advertised rates are subject to underwriting approval. Not all applicants will be approved. Minimum credit score requirement and maximum loan-to-value restrictions apply. Your rate offer may vary.
2.125% discount available when loan payment is automatically deducted from Marblehead Bank checking or statement savings account.
Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. Actual payment obligation will be greater. Property insurance required. Subject to credit approval.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Loan Term | Interest Rate1 | Points | APR | Monthly Payment / $1,000 |
|---|---|---|---|---|
| Loan Term 15 Years | Interest Rate1 5.750% | Points 0.0 | APR 6.084% | Monthly Payment / $1,000 180 monthly payments of $8.30 |
| Loan Term 15 Years w/ Automatic Deduction1 | Interest Rate1 5.625% | Points 0.0 | APR 5.958% | Monthly Payment / $1,000 180 monthly payments of $8.24 |
| Loan Term 30 Years | Interest Rate1 6.5% | Points 0.0 | APR 6.707% | Monthly Payment / $1,000 360 monthly payments of $6.32 |
| Loan Term 30 Years w/ Automatic Deduction1 | Interest Rate1 6.375% | Points 0.0 | APR 6.581% | Monthly Payment / $1,000 360 monthly payments of $6.24 |
Marblehead Bank NMLS# 417751
1All advertised rates are subject to underwriting approval. Not all applicants will be approved. Minimum credit score requirement and maximum loan-to-value restrictions apply. Your rate offer may vary.
2.125% discount available when loan payment is automatically deducted from Marblehead Bank checking or statement savings account.
Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. Actual payment obligation will be greater. Property insurance required. Subject to credit approval.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Loan Term | Interest Rate1 | Points | APR | Monthly Payment / $1,000 |
|---|---|---|---|---|
| Loan Term 5/1 yr3 | Interest Rate1 6.375% | Points 0.0 | APR 6.885% | Monthly Payment / $1,000 $6.24 |
| Loan Term 7/1 yr4 | Interest Rate1 6.500% | Points 0.0 | APR 6.890% | Monthly Payment / $1,000 $6.33 |
Marblehead Bank NMLS# 417751
2025 Adjustable-Rate Early Disclosure Statement
1Initial interest rate is not based on the Index used to make later adjustments. Beginning with the first change date, interest rate will be indexed to weekly U.S. Treasury Securities one-year constant maturity plus a margin of 2.75%. Example: current index = 4.12 + 2.75% = 6.87%
2Annual Percentage Rate (APR) may increase after consummation of loan.
35/1 adjustable-rate program features interest rate discount – 60 monthly payments of $6.24 per $1,000 at 6.375%, followed by 300 monthly payments of $6.54 per $1,000 at 6.885% APR.
47/1 adjustable-rate program features interest rate discount – 84 monthly payments of $6.33 per $1,000 at 6.500%, followed by 276 monthly payments of $6.54 per $1,000 borrowed at 6.890% APR.
Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. Actual payment obligation will be greater. Property insurance required. Subject to credit approval.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Interest Rate | Points | APR1 |
|---|---|---|
| Interest Rate 7.50% | Points 0.0 | APR1 7.50%2 |
Marblehead Bank NMLS #417751
1 Annual Percentage Rate (APR) may increase after consummation of loan.
2APR based on Prime Rate as published in the Wall Street Journal money rates section, currently 7.50%. Maximum APR is 18.00%. APR is variable and subject to change. Rate can change without notice.
Subject to credit approval. Property insurance required. Loan termination fee applies if line is closed within three years after commencement date.
For Auto Loans, Boat Loans, and Personal Loans, please contact the Marblehead Bank lending team at (781) 631-5500.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Product | APY | Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Product Business Interest Checking | APY 0.05% | Rate 0.05% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
APY is accurate as of 12/19/2025. All rates and terms subject to change without notice.
| Product | APY* | Interest Rate | Minimum Deposit to Open Account | Minimum Balance to Obtain APY |
|---|---|---|---|---|
| Product Business Statement Savings | APY* 0.10% | Interest Rate 0.10% | Minimum Deposit to Open Account $10.00 | Minimum Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
Interest is paid monthly and is available on the first business day of each month. Certain assumptions apply. Please ask for details.
Fees could reduce the earnings of the account.
* Variable rate account: rates may change after the account is opened.
| Tier | APY | Rate | Min. Deposit to Open Account | Min. Balance to Obtain APY |
|---|---|---|---|---|
| Tier $10.00 – $9,999.99 | APY 0.05% | Rate 0.05% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $10,000 – $24,999.99 | APY 0.05% | Rate 0.0% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $25,000 – $49,999.99 | APY 0.05% | Rate 0.05% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $50,000 – $99,999.99 | APY 0.10% | Rate 0.10% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $100,000 – $249,999.99 | APY 0.20% | Rate 0.20% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
| Tier $250,000 or more | APY 0.25% | Rate 0.25% | Min. Deposit to Open Account $10.00 | Min. Balance to Obtain APY $0.01 |
*APY= Annual Percentage Yield. Variable rate account—rates may change after account is opened. Interest is compounded and paid monthly and available on first business day of each month. Certain assumptions apply. Please ask for details. Fees could reduce earnings.
MONTHLY COMPOUNDING
Interest is paid monthly and is available on the first business day of each month. Certain assumptions apply. Please ask for details.
Fees could reduce the earnings of the account.
* Variable rate accounts: rates may change after the account is opened.
