Institution for Savings in Newburyport and Its Vicinity savings and CD rates
Institution for Savings in Newburyport and Its Vicinity advertises 3.50% APY on its Gold Online Savings account. The 3.50% applies to balances up to $500,000. The bank states no rate for the balance above that.
Ranked #135 of 1929 tracked savings rates by advertised APY.
Estimate your earnings·What Institution for Savings in Newburyport and Its Vicinity actually pays
Institution for Savings in Newburyport and Its Vicinity at a glance
| Savings | |
|---|---|
| Top savings APY | 3.50% · Gold Online Savings · up to $500,000 only |
| Minimum to open | $100,000 · Gold Online Savings |
| Against the national average | 3.13 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.25% · 24 months · 24 Month CD |
| Minimum to open | $500 · 24 months CD |
| Against the national average | 2.64 percentage points above the 1.61% FDIC 24-month CD average (Sep 2026) |
| FDIC certificate | 90250 · Newburyport, MA |
|---|---|
| Website | www.institutionforsavings.com |
| Branches | 13 branches in MA |
| Availability | Available in MA |
Institution for Savings in Newburyport and Its Vicinity savings and CD rates
Personal
How the rate applies
How the rate applies
How the rate applies
How the rate applies
Business
How the rate applies
How the rate applies
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. 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 4.01% or more. See the highest savings rates.
Institution for Savings in Newburyport and Its Vicinity CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 2.25% | $500 | 3 Month CD |
| 6 months | 2.25% | $500 | 6 Month CD |
| 7 months | 4.00% | $500 | 7 Month CD |
| 9 months | 2.25% | $500 | 9 Month CD |
| 10 months | 2.25% | $500 | 10 Month CD |
| 12 months | 2.25% | $500 | 12 Month CD |
| 13 months | 2.25% | $500 | 13 Month CD |
| 14 months | 2.25% | $500 | 14 Month CD |
| 15 months | 2.25% | $500 | 15 Month CD |
| 16 months | 2.25% | $500 | 16 Month CD |
| 18 months | 2.25% | $500 | 18 Month CD |
| 20 months | 2.25% | $500 | 20 Month CD |
| 23 months | 2.25% | $500 | 23 Month CD |
| 24 months | 4.25% | $500 | 24 Month CD |
| 30 months | 2.25% | $500 | 30 Month CD |
| 36 months | 2.25% | $500 | 36 Month CD |
| 40 months | 2.25% | $500 | 40 Month CD |
| 48 months | 2.25% | $500 | 48 Month CD |
| 60 months | 2.25% | $500 | 60 Month CD |
Interactive Tool
Calculate Savings for Institution for Savings in Newburyport and Its Vicinity
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$19,944.30(15.0%)
- Total Contributions$13,000
- Initial Deposit$100,000
Projected Balance
$132,944.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Institution for Savings in Newburyport and Its Vicinity 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. The 3.50% applies to balances up to $500,000. The bank states no rate for the balance above that.
In Q2 2026, Institution SVG Newburyport& paid a higher average rate on savings and money market deposits than 74% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Institution SVG Newburyport&, 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 | ||||||||
| Gold Online Savings | 3.50% | $100,000 | $0 | $500,000 | A minimum balance of $100,000.00 is required to open the account and avoid a $10 monthly service charge. | None | Tiered | |
| Diamond Savings | 1.80% | $25,000 | $0 | None | A minimum balance of $25,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Titanium Savings | 0.50% | $10,000 | $0 | None | A minimum balance of $10,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Preferred Savings | 0.40% | $50,000 | $0 | None | A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Statement Savings | 0.25% | $10 | $0 | None | A minimum balance of $10.00 is required to open and avoid a $1 monthly service charge. | None | One rate | |
| Business | ||||||||
| Business Diamond Savings | 1.80% | $25,000 | $0 | None | A minimum balance of $25,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Business Titanium Savings | 0.50% | $10,000 | $0 | None | A minimum balance of $10,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Business Preferred Savings | 0.40% | $50,000 | $0 | None | A minimum balance of $50,000 is required to open and avoid a $10 monthly service charge. | None | Tiered | |
| Business Statement Savings | 0.25% | $1,000 | $0 | None | A minimum balance of $1000 is required to open and avoid a $10 monthly service charge. | 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 Month CD | 3 months | 2.25% | $500 | not stated | not stated |
| 6 Month CD | 6 months | 2.25% | $500 | not stated | not stated |
| 7 Month CD | 7 months | 4.00% | $500 | not stated | not stated |
| 9 Month CD | 9 months | 2.25% | $500 | not stated | not stated |
| 10 Month CD | 10 months | 2.25% | $500 | not stated | not stated |
| 12 Month CD | 12 months | 2.25% | $500 | not stated | not stated |
| 13 Month CD | 13 months | 2.25% | $500 | not stated | not stated |
| 14 Month CD | 14 months | 2.25% | $500 | not stated | not stated |
| 15 Month CD | 15 months | 2.25% | $500 | not stated | not stated |
| 16 Month CD | 16 months | 2.25% | $500 | not stated | not stated |
| 18 Month CD | 18 months | 2.25% | $500 | not stated | not stated |
| 20 Month CD | 20 months | 2.25% | $500 | not stated | not stated |
| 23 Month CD | 23 months | 2.25% | $500 | not stated | not stated |
| 24 Month CD | 24 months | 4.25% | $500 | not stated | not stated |
| 30 Month CD | 30 months | 2.25% | $500 | not stated | not stated |
| 36 Month CD | 36 months | 2.25% | $500 | not stated | not stated |
| 40 Month CD | 40 months | 2.25% | $500 | not stated | not stated |
| 48 Month CD | 48 months | 2.25% | $500 | not stated | not stated |
| 60 Month CD | 60 months | 2.25% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in MA |
|---|---|
| Footprint | 13 branches in MA |
| Eligibility | not stated |
How Institution for Savings in Newburyport and Its Vicinity behaves over time
Every observation of the advertised Gold Online Savings rate in the last 12 months was 3.50% (observed through Sep 22, 2026). The series includes promotional tiers where one applied.
- Gold Online Savings
- The same as 7 days ago.
- 24 months CD
- The same as 7 days ago.
- Rate last changed
- Sep 3, 2026(effective date)
$10,000 at the 3.50% APY Institution for Savings in Newburyport and Its Vicinity advertises on Gold Online Savings grows to $10,350 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $10,010 does today. See how the federal funds rate shapes savings rates.
Institution for Savings in Newburyport and Its Vicinity CD rates over time
Who is Institution for Savings in Newburyport and Its Vicinity?
| Headquarters | Newburyport, MA |
|---|---|
| Founded | 1820 |
| Scale | $5.6B assets · $3.4B deposits, $3.2B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 90250 |
Financial detail is in What Institution for Savings in Newburyport and Its Vicinity pays on deposits above.
Common questions about Institution for Savings in Newburyport and Its Vicinity
Is Institution for Savings in Newburyport and Its Vicinity FDIC insured?
Yes. Institution for Savings in Newburyport and Its Vicinity is FDIC insured under certificate 90250, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Institution for Savings in Newburyport and Its Vicinity?
Institution for Savings in Newburyport and Its Vicinity requires a minimum deposit of $100,000 to open its Gold Online Savings account, as observed on Sep 22, 2026. Check the bank's current terms before you open an account.
Does the 3.50% apply to my whole balance?
The 3.50% applies to balances up to $500,000. The bank states no rate for the balance above that. Rates are as observed on Sep 22, 2026.
Does Institution for Savings in Newburyport and Its Vicinity have branches?
Yes. Institution for Savings in Newburyport and Its Vicinity operates 13 branches according to FDIC branch records, in addition to its website and mobile apps.
Institution for Savings in Newburyport and Its Vicinity against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Institution for Savings in Newburyport and Its Vicinity | 3.50% | 2.11% | $100,000 | 13 branches in MA |
| Buckeye State Bank | 3.50% | 2.57% | $50 | 6 branches in OH |
| Capital One | 3.50% | 2.90% | $0 | 252 branches across 9 states |
| Maine Community Bank | 3.50% | 3.13% | $1 | 23 branches in ME |
Alternatives are the three tracked banks whose highest savings APY is closest to Institution for Savings in Newburyport and Its Vicinity's.
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Rate hubs: today's highest savings rates, and CD rates by term.