Rockland Savings Bank, FSB savings, CD and money market rates
Rockland Savings Bank, FSB advertises 3.15% APY on its RSB High Yield Savings account. The 3.15% needs a balance of at least $250,000. Below that, the account advertises 0.05%.
A checking account at the bank is required.
Ranked #135 of 803 tracked savings rates by advertised APY.
Estimate your earnings·What Rockland Savings Bank, FSB actually pays
Rockland Savings Bank, FSB at a glance
| Savings | |
|---|---|
| Top savings APY | 3.15% · RSB High Yield Savings · needs at least $250,000 · checking account required |
| Minimum to open | $50,000 · RSB High Yield Savings |
| Against the national average | 2.77 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.50% · 18 months · RSB 18-Month Certificate |
| Minimum to open | $500 · 18 months CD |
| Money market | |
| Top money market APY | Up to 0.20% · RSB Money Market · needs at least $100,000 |
| Minimum to open | $2,500 · RSB Money Market |
| Against the national average | 0.43 percentage points below the 0.63% FDIC money market average (Aug 2026) |
| FDIC certificate | 28369 · Rockland, ME |
|---|---|
| Website | www.rocklandsavingsbank.com |
| Branches | 1 branch in ME |
| Availability | Available in ME |
Rockland Savings Bank, FSB savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.00%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Rockland Savings Bank, FSB CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 0.25% | $500 | RSB 3-Month Certificate |
| 6 months | 0.50% | $500 | RSB 6-Month Certificate |
| 9 months | 3.00% | $500 | RSB 9-Month Certificate |
| 12 months | 1.00% | $500 | RSB 1-Year Certificate |
| 13 months | 3.25% | $500 | RSB 13-Month Certificate |
| 18 months | 3.50% | $500 | RSB 18-Month Certificate |
| 24 months | 1.50% | $500 | RSB 2-Year Certificate |
| 48 months | 1.25% | $500 | RSB 4-Year Certificate |
| 60 months | 1.00% | $500 | RSB 5-Year Certificate |
| IRA CDs | |||
| 12 months | 3.00% | $500 | RSB 1-Year IRA Certificate |
| 24 months | 1.50% | $500 | RSB 2-Year IRA Certificate |
| 48 months | 1.25% | $500 | RSB 4-Year IRA Certificate |
| 60 months | 1.00% | $500 | RSB 5-Year IRA Certificate |
Interactive Tool
Calculate Savings for Rockland Savings Bank, FSB
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$7,866.90(11.1%)
- Total Contributions$13,000
- Initial Deposit$50,000
Projected Balance
$70,866.90
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Rockland Savings Bank, FSB 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 all of its deposits 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 3.15% needs a balance of at least $250,000. Below that, the account advertises 0.05%.
In Q1 2026, Rockland Savings Bank, FSB paid a higher average rate than 49% of U.S. banks (all-bank median 2.27%).
- Rockland Savings Bank, FSB, avg rate paid
- 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 every account that earns interest: savings, interest checking, money market accounts, CDs, and personal and business accounts at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years.
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 balances at the rates of earlier years, everyday transaction balances, and CDs that were priced in a different rate environment. 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 rate paid on interest-bearing deposits, quarterly. 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.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| RSB High Yield Savings | 3.15% | $50,000 | $0 | None | not stated | Checking account · direct deposit not stated | Tiered | |
| RSB Savings | 0.05% | $10 | $0 | None | not stated | not stated | One rate | |
| Rocky's RSB Savings | 0.05% | $1 | $0 | None | not stated | not stated | One rate | |
| RSB Club Savings | 0.05% | $10 | $0 | None | not stated | not stated | One rate | |
| RSB Money Market | 0.20% | $2,500 | $0 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| RSB IRA Savings | 0.15% | $10 | $0 | None | not stated | not stated | 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 |
|---|---|---|---|---|---|
| Personal CDs | |||||
| RSB 3-Month Certificate | 3 months | 0.25% | $500 | not stated | not stated |
| RSB 6-Month Certificate | 6 months | 0.50% | $500 | not stated | not stated |
| RSB 9-Month Certificate | 9 months | 3.00% | $500 | not stated | not stated |
| RSB 1-Year Certificate | 12 months | 1.00% | $500 | not stated | not stated |
| RSB 13-Month Certificate | 13 months | 3.25% | $500 | not stated | not stated |
| RSB 18-Month Certificate | 18 months | 3.50% | $500 | not stated | not stated |
| RSB 2-Year Certificate | 24 months | 1.50% | $500 | not stated | not stated |
| RSB 4-Year Certificate | 48 months | 1.25% | $500 | not stated | not stated |
| RSB 5-Year Certificate | 60 months | 1.00% | $500 | not stated | not stated |
| IRA CDs | |||||
| RSB 1-Year IRA Certificate | 12 months | 3.00% | $500 | not stated | not stated |
| RSB 2-Year IRA Certificate | 24 months | 1.50% | $500 | not stated | not stated |
| RSB 4-Year IRA Certificate | 48 months | 1.25% | $500 | not stated | not stated |
| RSB 5-Year IRA Certificate | 60 months | 1.00% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in ME |
|---|---|
| Footprint | 1 branch in ME |
| Eligibility | not stated |
How Rockland Savings Bank, FSB behaves over time
Every observation of the advertised RSB High Yield Savings rate in the last 12 months was 3.15% (observed through Sep 9, 2026). The series includes promotional tiers where one applied.
- RSB High Yield Savings
- The same as 7 days ago.
- 18 months CD
- The same as 7 days ago.
- RSB Money Market
- The same as 7 days ago.
- Rate last changed
- Aug 15, 2026(effective date)
$10,000 at the 3.15% APY Rockland Savings Bank, FSB advertises on RSB High Yield Savings grows to $10,315 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,980 does today. See how the federal funds rate shapes savings rates.
Rockland Savings Bank, FSB CD rates over time
Who is Rockland Savings Bank, FSB?
| Headquarters | Rockland, ME |
|---|---|
| Founded | 1888 |
| Scale | $93M assets · $72M deposits, $57M of it interest-bearing (Q1 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 28369 |
Financial detail is in What Rockland Savings Bank, FSB pays on deposits above.
Common questions about Rockland Savings Bank, FSB
Is Rockland Savings Bank, FSB FDIC insured?
Yes. Rockland Savings Bank, FSB is FDIC insured under certificate 28369, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Rockland Savings Bank, FSB?
Rockland Savings Bank, FSB requires a minimum deposit of $50,000 to open its RSB High Yield Savings account, as observed on Sep 9, 2026. Check the bank's current terms before you open an account.
Does the 3.15% apply to my whole balance?
The 3.15% needs a balance of at least $250,000. Below that, the account advertises 0.05%. A checking account at the bank is required. Rates are as observed on Sep 9, 2026.
Does Rockland Savings Bank, FSB have branches?
Yes. Rockland Savings Bank, FSB operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Rockland Savings Bank, FSB against its closest alternatives
| Bank | Savings APY | Rate paid (Q1 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Rockland Savings Bank, FSB | 3.15% | 2.26% | $50,000 | 1 branch in ME |
| Ameriprise Bank | 3.15% | 0.17% | $100 | 2 branches in MN |
| First Federal Savings and Loan Association | 3.15% | 2.97% | $25 | 6 branches in MS |
| PNC | 3.15% | 1.92% | $0 | 2,420 branches across 28 states |
Alternatives are the three tracked banks whose highest savings APY is closest to Rockland Savings Bank, FSB's.
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Rate hubs: today's highest savings rates, CD rates by term, and money market rates.