Clinton Savings Bank savings, CD and money market rates
Clinton Savings Bank's eXPERIENCE Online Savings Account advertises 3.85% APY. That is 3.47 percentage points above the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #101 of 3052 tracked savings rates by advertised APY. For a $10,000 balance it would rank #62.
Estimate your earnings·What Clinton Savings Bank actually pays
Clinton Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 3.85% · eXPERIENCE Online Savings Account |
| Minimum to open | $100 · eXPERIENCE Online Savings Account |
| Against the national average | 3.47 percentage points above the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.00% · 13 months · 13-Month Special CD/IRA |
| Minimum to open | $500 · 13 months CD |
| Against the national average | 2.24 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.15% · Tiered Money Market Account · needs at least $100,000 |
| Minimum to open | $500 · Tiered Money Market Account |
| Against the national average | 0.48 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 90181 · Clinton, MA |
|---|---|
| Website | www.clintonsavings.com |
| Branches | 9 branches in MA |
| Availability | eXPERIENCE Online Savings Account: Nationally available |
Clinton Savings Bank savings, CD and money market rates
Personal
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Clinton Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3-5 months | 0.10% | $500 | 3-5 Month CD |
| 5 months | 3.40% | $500 | 5-Month Special CD |
| 6-11 months | 0.15% | $500 | 6-11 Month CD/IRA |
| 8 months | 3.70% | $500 | 8-Month Special CD |
| 12 months | 3.00% | $100 | 12-Month Get Real Add-On CD |
| 12-17 months | 0.20% | $500 | 12-17 Month CD/IRA |
| 13 months | 4.00% | $500 | 13-Month Special CD/IRA |
| 18-23 months | 0.25% | $500 | 18-23 Month CD/IRA |
| 24-35 months | 0.35% | $500 | 24-35 Month CD/IRA |
| 36-47 months | 0.45% | $500 | 36-47 Month CD/IRA |
| 48-59 months | 0.50% | $500 | 48-59 Month CD/IRA |
| 60 months | 0.60% | $500 | 60 Month CD/IRA |
Interactive Tool
Calculate Savings for Clinton Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,506.40(9.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,506.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Clinton Savings Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Clinton Savings Bank paid a higher average rate on savings and money market deposits than 23% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Clinton Savings Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| eXPERIENCE Online Savings Account | 3.85% | $100 | $0 | None | not stated | None | One rate | |
| Fine print: The opening deposit must be new money. It cannot be transferred from an existing CSB account. Transfers from an existing CSB account are allowed after the opening deposit. | ||||||||
| Passbook Savings Account & Statement Savings Account | 0.02% | $10 | $0 | None | not stated | None | One rate | |
| "Save 4" Savings Account | 0.02% | $10 | $0 | None | not stated | None | One rate | |
| Get Real Statement Savings Account | 0.02% | $10 | $0 | None | not stated | None | One rate | |
| Fine print: When the tax owner turns 25, the account converts to a Statement Savings Account and takes that account's fees and requirements. | ||||||||
| 18/65 Statement Savings Account | 0.02% | $10 | $0 | None | not stated | None | One rate | |
| Tiered Money Market Account | Up to 0.15% | $500 | $10 | None | not stated | None | Tiered | |
| IRA | ||||||||
| Statement Savings IRA Account | 0.02% | $10 | $0 | None | not stated | None | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3-5 Month CD | 3-5 months | 0.10% | $500 | not stated | not stated |
| 5-Month Special CD | 5 months | 3.40% | $500 | not stated | not stated |
| Fine print: At maturity this certificate converts to a 3-month CD at the non-promotional rate then in effect. The maximum deposit is $1,000,000 per customer. | |||||
| 6-11 Month CD/IRA | 6-11 months | 0.15% | $500 | not stated | not stated |
| 8-Month Special CD | 8 months | 3.70% | $500 | not stated | not stated |
| Fine print: At maturity this certificate converts to a 6-month CD at the non-promotional rate then in effect. The maximum deposit is $1,000,000 per customer. | |||||
| 12-Month Get Real Add-On CD | 12 months | 3.00% | $100 | not stated | not stated |
| Fine print: Add-on certificate. More deposits can be made during the term. A Get Real Checking or Get Real Savings Account is required. At maturity the account converts to a 12-month CD that does not accept more deposits. | |||||
| 12-17 Month CD/IRA | 12-17 months | 0.20% | $500 | not stated | not stated |
| 13-Month Special CD/IRA | 13 months | 4.00% | $500 | not stated | not stated |
| Fine print: At maturity this certificate converts to a 12-month CD or IRA at the non-promotional rate then in effect. Municipalities are not eligible. | |||||
| 18-23 Month CD/IRA | 18-23 months | 0.25% | $500 | not stated | not stated |
| 24-35 Month CD/IRA | 24-35 months | 0.35% | $500 | not stated | not stated |
| 36-47 Month CD/IRA | 36-47 months | 0.45% | $500 | not stated | not stated |
| 48-59 Month CD/IRA | 48-59 months | 0.50% | $500 | not stated | not stated |
| 60 Month CD/IRA | 60 months | 0.60% | $500 | not stated | not stated |
Opening and using the account
| Availability | eXPERIENCE Online Savings Account: Nationally available |
|---|---|
| Footprint | 9 branches in MA |
| Eligibility | not stated |
How Clinton Savings Bank behaves over time
Every observation of the advertised eXPERIENCE Online Savings Account rate in the last 12 months was 3.85% (observed through Oct 24, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Oct 5, 20268-Month Special CDRaise:3.60%to3.70%
- Obs. Oct 5, 202613-Month Special CD/IRARaise:3.80%to4.00%
- eXPERIENCE Online Savings Account
- The same as 30 days ago.
- 13 months CD
- Up 0.20 percentage points from 30 days ago.
$10,000 at the 3.85% APY Clinton Savings Bank advertises on eXPERIENCE Online Savings Account grows to $10,385 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,011 does today. See how the federal funds rate shapes savings rates.
Clinton Savings Bank CD rates over time
Who is Clinton Savings Bank?
| Headquarters | Clinton, MA |
|---|---|
| Founded | 1851 |
| Scale | $745M assets · $582M deposits, $516M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 90181 |
| Charter state | Massachusetts · one of 91 insured banks chartered there (Q2 2026, FDIC) |
| Size | 1,385th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 15% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Clinton Savings Bank pays on deposits above.
Common questions about Clinton Savings Bank
Is Clinton Savings Bank FDIC insured?
Yes. Clinton Savings Bank is FDIC insured under certificate 90181, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Clinton Savings Bank?
Clinton Savings Bank requires a minimum deposit of $100 to open its eXPERIENCE Online Savings Account, as observed on Oct 24, 2026. Check the bank's current terms before you open an account.
Does Clinton Savings Bank have branches?
Yes. Clinton Savings Bank operates 9 branches according to FDIC branch records, in addition to its website and mobile apps.
Clinton Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Clinton Savings Bank | 3.85% | 0.73% | $100 | 9 branches in MA |
| Forbright Bank | 3.85% | 3.68% | $0 | 4 branches in MD |
| North American Savings Bank, F.S.B. | Up to3.85% | 3.02% | $500 | 10 branches in MO |
| Old National Bank | Up to3.85% | 2.53% | $50 | 360 branches across 10 states |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Clinton Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Massachusetts, nearest to Clinton Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.