MountainOne Bank savings, CD and money market rates
MountainOne Bank advertises 0.50% APY on its Pinnacle Savings account. That is 0.13 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #738 of 1929 tracked savings rates by advertised APY. For a $10,000 balance it would rank #590.
MountainOne Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.50% · Pinnacle Savings |
| Minimum to open | $25 · Pinnacle Savings |
| Against the national average | 0.13 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.25% · 14 months · 14 Month CD Special |
| Minimum to open | $1,000 · 14 months CD |
| Money market | |
| Top money market APY | Up to 1.25% · VISTA Personal Money Market · needs at least $100,000 |
| Minimum to open | $50 · VISTA Personal Money Market |
| Against the national average | 0.62 percentage points above the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 90253 · North Adams, MA |
|---|---|
| Website | www.mountainone.com |
| Branches | 6 branches in MA |
| Availability | Available in MA |
MountainOne Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Business
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.
MountainOne Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 3.75% | $1,000 | 3 Month CD Special |
| 6 months | 3.00% | $1,000 | 6 Month CD |
| 8 months | 4.00% | $1,000 | 8 Month CD Special |
| 9 months | 2.75% | $1,000 | 9 Month CD |
| 12 months | 2.75% | $1,000 | 12 Month CD |
| 14 months | 4.25% | $1,000 | 14 Month CD Special |
| 18 months | 2.25% | $1,000 | 18 Month CD |
| 24 months | 2.00% | $1,000 | 24 Month CD |
| 36 months | 2.25% | $1,000 | 36 Month CD |
| 48 months | 2.50% | $1,000 | 48 Month CD |
| 60 months | 2.75% | $1,000 | 60 Month CD |
| IRA CDs | |||
| 3 months | 1.00% | $1,000 | IRA 3 Month |
| 6 months | 1.10% | $1,000 | IRA 6 Month |
| 12 months | 1.25% | $1,000 | IRA 12 Month |
| 18 months | 2.25% | $1,000 | IRA 18 Month |
| 24 months | 2.00% | $1,000 | IRA 24 Month |
| 36 months | 2.25% | $1,000 | IRA 36 Month |
| 48 months | 2.50% | $1,000 | IRA 48 Month |
Interactive Tool
Calculate Savings for MountainOne Bank
All calculations are based on APY.
Tiered rates: 0.50% to 1.25% APY across 5 balance tiers.
Savings Breakdown
- Interest Earned+$220.60(1.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,220.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What MountainOne 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, MountainOne Bank paid a higher average rate on savings and money market deposits than 54% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- MountainOne 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 | ||||||||
| Youth Savings | 1.00% | $10 | $0 | None | not stated | not stated | One rate | |
| Pinnacle Savings | 0.50% | $25 | $0 | None | not stated | not stated | One rate | |
| VISTA Personal Money Market | 1.25% | $50 | $1 | None | not stated | not stated | Tiered | |
| Pinnacle Money Market | 1.15% | $50 | $1 | None | not stated | not stated | Tiered | |
| Business | ||||||||
| VISTA Business Money Market | 1.25% | $100 | $1 | None | not stated | Checking account · direct deposit not stated | Tiered | |
| Pinnacle Business Money Market | 1.15% | $250 | $1 | None | not stated | not stated | Tiered | |
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 |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 3 Month CD Special | 3 months | 3.75% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 3.00% | $1,000 | not stated | not stated |
| 8 Month CD Special | 8 months | 4.00% | $1,000 | not stated | not stated |
| 9 Month CD | 9 months | 2.75% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 2.75% | $1,000 | not stated | not stated |
| 14 Month CD Special | 14 months | 4.25% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 2.25% | $1,000 | not stated | not stated |
| 24 Month CD | 24 months | 2.00% | $1,000 | not stated | not stated |
| 36 Month CD | 36 months | 2.25% | $1,000 | not stated | not stated |
| 48 Month CD | 48 months | 2.50% | $1,000 | not stated | not stated |
| 60 Month CD | 60 months | 2.75% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| IRA 3 Month | 3 months | 1.00% | $1,000 | not stated | not stated |
| IRA 6 Month | 6 months | 1.10% | $1,000 | not stated | not stated |
| IRA 12 Month | 12 months | 1.25% | $1,000 | not stated | not stated |
| IRA 18 Month | 18 months | 2.25% | $1,000 | not stated | not stated |
| IRA 24 Month | 24 months | 2.00% | $1,000 | not stated | not stated |
| IRA 36 Month | 36 months | 2.25% | $1,000 | not stated | not stated |
| IRA 48 Month | 48 months | 2.50% | $1,000 | not stated | not stated |
Opening and using the account
| Availability | Available in MA |
|---|---|
| Footprint | 6 branches in MA |
| Eligibility | not stated |
How MountainOne Bank behaves over time
Every observation of the advertised Pinnacle Savings rate in the last 12 months was 0.50% (observed through Sep 22, 2026). The series includes promotional tiers where one applied.
- Pinnacle Savings
- The same as 7 days ago.
- 14 months CD
- Up 1.00 percentage points from 7 days ago.
- VISTA Personal Money Market
- The same as 7 days ago.
- Rate last changed
- Sep 18, 2026(effective date)
$10,000 at the 0.50% APY MountainOne Bank advertises on Pinnacle Savings grows to $10,050 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 $9,720 does today. See how the federal funds rate shapes savings rates.
MountainOne Bank CD rates over time
Who is MountainOne Bank?
| Headquarters | North Adams, MA |
|---|---|
| Founded | 1848 |
| Scale | $1.1B assets · $774M deposits, $629M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 90253 |
Financial detail is in What MountainOne Bank pays on deposits above.
Common questions about MountainOne Bank
Is MountainOne Bank FDIC insured?
Yes. MountainOne Bank is FDIC insured under certificate 90253, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at MountainOne Bank?
MountainOne Bank requires a minimum deposit of $25 to open its Pinnacle Savings account, as observed on Sep 22, 2026. Check the bank's current terms before you open an account.
Does MountainOne Bank have branches?
Yes. MountainOne Bank operates 6 branches according to FDIC branch records, in addition to its website and mobile apps.
MountainOne Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| MountainOne Bank | 1.25% | 1.54% | $100 | 6 branches in MA |
| All America Bank | 2.75% | 2.08% | $2,500 | 7 branches in OK |
| Kentucky Farmers Bank Corporation | 1.25% | 1.14% | $1,000 | 5 branches in KY, OH |
| Northern Bank & Trust Company | 1.40% | 2.64% | $50,000 | 14 branches in MA |
Alternatives are the three tracked banks whose highest savings APY is closest to MountainOne Bank's.
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.