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RATES

Checking Rates

6.1.2026

50+ Interest Checking

The interest-bearing account for customers 50 and better.

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY* 0.05%Interest Rate 0.05%Minimum Deposit to Open Account $10.00Minimum 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.

Account Details Open an Account 

VIP Direct Interest Checking

Earn interest monthly on your checking balance.

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY* 0.05%Interest Rate 0.05%Minimum Deposit to Open Account $10.00Minimum 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.

Account Details Open an Account 

PREMIER INTEREST CHECKING

Earn a higher rate of interest for higher balances.

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY* 0.10%Interest Rate 0.10%Minimum Deposit to Open Account $10.00Minimum Balance to Obtain APY $1,500
APY* 0.05%Interest Rate 0.05%Minimum Deposit to Open Account $10.00Minimum 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.

Account Details Open an Account 

Savings & Money Market Rates

STATEMENT SAVINGS

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY* 0.10%Interest Rate 0.10%Minimum Deposit to Open Account $10.00Minimum 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.

Account Details Open an Account 

Passbook Savings

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY* 0.10%Interest Rate 0.10%Minimum Deposit to Open Account $10.00Minimum 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.

Account Details Open at a Branch 

Reserve Savings

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

APYInterest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
APY 0.10%Interest Rate 0.10%Minimum Deposit to Open Account $10.00Minimum Balance to Obtain APY $0.01
Account Details Open at a Branch 

MONEY MARKETS*

TierAPYRateMin. Deposit to Open AccountMin. Balance to Obtain APY
Tier $0.01 – $9,999.99APY 0.25%Rate 0.25%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $10,000 – $24,999.99APY 0.25%Rate 0.25%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $25,000 – $49,999.99APY 0.25%Rate 0.25%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $50,000 – $74,999.99APY 0.35%Rate 0.35%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $75,000 – $99,999.99APY 0.50%Rate 0.50%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $100,000 – $249,999.99APY 1.25%Rate 1.24%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $250,000 – $499,999.99APY 1.50%Rate 1.49%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $500,000 – $999,999.99APY 1.75%Rate 1.74%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $1,000,0000 or moreAPY 2.00%Rate 1.98%Min. Deposit to Open Account $10.00Min. 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.

Account Details Open at a Branch 

CD & IRA Rates

CDs & IRAs

Apply NowAPY1Rate
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3 Month

APY1 2.50%Rate 2.47%
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4 Month

APY1 3.51%Rate 3.45%
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6 Month

APY1 3.51%Rate 3.45%
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7 Month

APY1 3.00%Rate 2.96%
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8 Month

APY1 3.00%Rate 2.96%
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9 Month

APY1 3.00%Rate 2.96%
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11 Month

APY1 3.00%Rate 2.96%
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1 Year

APY1 .15%Rate .15%
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1 Year Premier2

APY1 .20%Rate .20%
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14 Month

APY1 .20%Rate .20%
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15 Month

APY1 2.75%Rate 2.72%
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18 Month

APY1 .25%Rate .25%
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2 Year

APY1 3.00%Rate 2.96%
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3 Year

APY1 3.00%Rate 2.96%

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.

Explore CDs & IRAs Open a CD 

Mortgage Rates

CONFORMING FIXED-RATE MORTGAGE RATES

Assumes 25% Down Payment.1
Please inquire about interest rates for second homes.

Maximum Loan Amounts:

1-Family: $832,750
2-Family: $1,066,250
3-Family: $1,288,800
4-Family: $1,601,750,TEST

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Loan TermInterest Rates 1PointsAPRMonthly Payment / $1,000
Loan Term 15 YearsInterest Rates 1 5.375%Points 0.0APR 5.769%Monthly Payment / $1,000 180 monthly payments of $8.10
Loan Term

15 Years w/ automatic deduction2

Interest Rates 1 5.250%Points 0.0APR 5.642%Monthly Payment / $1,000 180 monthly payments of $8.04
Loan Term 20 YearsInterest Rates 1 5.875%Points 0.0APR 6.192%Monthly Payment / $1,000 240 monthly payments of $7.09
Loan Term

20 Years w/ automatic deduction2

Interest Rates 1 5.750%Points 0.0APR 6.066%Monthly Payment / $1,000 240 monthly payments of $7.02
Loan Term 30 YearsInterest Rates 1 5.875%Points 0.0APR 6.113%Monthly Payment / $1,000 360 monthly payments of $5.92
Loan Term

30 Years w/ automatic deduction2

Interest Rates 1 5.750%Points 0.0APR 5.986%Monthly Payment / $1,000 360 monthly payments of $5.84

Marblehead Bank NMLS# 417751

1All advertised rates are subject to underwriting approval. Not all applicants will be approved. A minimum credit score requirement and a maximum loan-to-value restriction apply. Your rate offer may vary.

2A .125% discount is available when loan payment is automatically deducted from a Marblehead Bank checking or statement savings account.

Monthly mortgage payments do not include amounts for real estate taxes and insurance premiums. The actual payment obligation will be greater. Property Insurance required. Subject to credit approval.

Jumbo Fixed Rate Mortgage

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Loan TermInterest Rate1PointsAPRMonthly Payment / $1,000
Loan Term 15 YearsInterest Rate1 5.375%Points 0.0APR 5.769%Monthly Payment / $1,000 180 monthly payments of $8.10
Loan Term

15 Years w/ Automatic Deduction2

Interest Rate1 5.250%Points 0.0APR 5.642%Monthly Payment / $1,000 180 monthly payments of $8.04
Loan Term 30 YearsInterest Rate1 5.875%Points 0.0APR 6.113%Monthly Payment / $1,000 360 monthly payments of $5.92
Loan Term

30 Years w/ Automatic Deduction2

Interest Rate1 5.750%Points 0.0APR 5.986%Monthly Payment / $1,000 360 monthly payments of $5.84

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.

Mortgage Details Apply Now 

30 Year Adjustable-Rate Mortgage

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Loan TermInterest Rate1PointsAPR2Monthly Payment / $1,000
Loan Term

5/1 yr3

Interest Rate1 5.625%Points 0.0APR2 6.280%Monthly Payment / $1,000 $5.76
Loan Term

7/1 yr4

Interest Rate1 5.750%Points 0.0APR2 6.262%Monthly Payment / $1,000 $5.84

Marblehead Bank NMLS# 417751

2026 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 = 3.56 + 2.75% = 6.31%

2Annual Percentage Rate (APR) may increase after consummation of loan.

35/1 adjustable-rate program features interest rate discount – 60 monthly payments of $5.76 per $1,000 at 6.280%, followed by 300 monthly payments of $6.15 per $1,000 at 6.280% APR.

47/1 adjustable-rate program features interest rate discount – 84 monthly payments of $5.84 per $1,000 at 6.262%, followed by 276 monthly payments of $6.14 per $1,000 borrowed at 6.262% 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.

Mortgage Details Apply Now 

Home Equity Rates

Home Equity Line of Credit

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

Interest RatePointsAPR1
Interest Rate 6.750%Points 0.0APR1

6.750%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 6.750%. 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.

HELOC Early Disclosure 2026

Loan Details Apply Now 

For Auto Loans, Boat Loans, and Personal Loans, please contact the Marblehead Bank lending team at (781) 631-5500.

Business

Business Interest Checking

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

ProductAPY*RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
Product Business Interest CheckingAPY* 0.05%Rate 0.05%Minimum Deposit to Open Account $10.00Minimum Balance to Obtain APY $0.05

*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.

Learn More Open at a Branch 

Business Statement Savings*

APR is accurate as of 6/1/2026. All rates and terms subject to change without notice.

ProductAPY*Interest RateMinimum Deposit to Open AccountMinimum Balance to Obtain APY
Product Business Statement SavingsAPY* 0.15%Interest Rate 0.10%Minimum Deposit to Open Account $10.00Minimum 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 account: rates may change after the account is opened.

Learn More Open at a Branch 

Business Money Market*

TierAPYRateMin. Deposit to Open AccountMin. Balance to Obtain APY
Tier $10.00 – $9,999.99APY 0.05%Rate 0.05%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $10,000 – $24,999.99APY 0.05%Rate 0.0%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $25,000 – $49,999.99APY 0.05%Rate 0.05%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $50,000 – $99,999.99APY 0.10%Rate 0.10%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $100,000 – $249,999.99APY 0.20%Rate 0.20%Min. Deposit to Open Account $10.00Min. Balance to Obtain APY $0.01
Tier $250,000 or moreAPY 0.25%Rate 0.25%Min. Deposit to Open Account $10.00Min. 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.