Skip to content

Please note, all branch locations will be closed on Saturday, July 9 to give our staff some extra time with their family and friends. Regular business hours will resume on Monday, July 11. For any immediate banking needs during this time please use our e-banking services.

  • Accounts
  • Loans
  • About
  • Locations
  • Contact
  • 1-800-244-8161
Register:
  • Personal
  • Business
Bay State Savings Bank logo
  • Personal
    Banking
    • Checking Accounts
    • Savings Accounts
    • Money Market
    • CDs & IRAs
    • Mobile Banking
    • Card Services
    • Additional Services
    • Homebuyer Seminars
    • Debit Card Protection (CardValet)
    Mortgages & Loans
    • Mortgages
    • Home Equity Lines & Loans
    • Mass Save HEAT Loan
    • Vehicle Loans
    • Consumer Loans

    apply for a mortgage today

  • Resources
    Resources
    • E-Banking Services
    • Education Center
    • Calculators
    • Alerts
    • E-Statements
    • Coronavirus: Health and Safety
    • Social Media Policy
    • Privacy Policy
    • FAQs
    • Online Banking FAQs
    • Financial Safety
    • Reorder Checks
    • Financial Literacy
    • Zelle® (New!)

    bank safely. stay informed.

  • Business
    Business Banking
    • Cash Management Services
    • Checking Accounts
    • Savings and Money Market Accounts
    • Card Services
    • Business Online Banking
    Business Lending Center
    • Commercial Loans
    • Commercial Lines of Credit
    • Commercial Construction Loans
    • Commercial Real Estate Loans
    • Commercial Small Business Administration Loans
    • Small Business Loans
    • Equipment Loans
    • Letters of Credit
    • Meet our Commercial Lenders

    an account for all businesses

  • Rates
    Checking Rates Savings Rates Certificates of Deposit Rates Individual Retirement Account Rates Money Market Rates Mortgage Rates First-Time Homebuyer Programs Home Equity Rates Vehicle Loan Rates Personal Loan Rates
  • Register:
    • Personal
    • Business
  • Personal

    • Banking

    • Checking Accounts
    • Savings Accounts
    • Money Market
    • CDs & IRAs
    • Mobile Banking
    • Card Services
    • Additional Services
    • Homebuyer Seminars
    • Debit Card Protection (CardValet)

    • Mortgages & Loans

    • Mortgages
    • Home Equity Lines & Loans
    • Mass Save HEAT Loan
    • Vehicle Loans
    • Consumer Loans
  • Resources

    • Resources

    • E-Banking Services
    • Education Center
    • Calculators
    • Alerts
    • E-Statements
    • Coronavirus: Health and Safety
    • Social Media Policy
    • Privacy Policy
    • FAQs
    • Online Banking FAQs
    • Financial Safety
    • Reorder Checks
    • Financial Literacy
    • Zelle® (New!)
  • Business

    • Business Banking

    • Cash Management Services
    • Checking Accounts
    • Savings and Money Market Accounts
    • Card Services
    • Business Online Banking

    • Business Lending Center

    • Commercial Loans
    • Commercial Lines of Credit
    • Commercial Construction Loans
    • Commercial Real Estate Loans
    • Commercial Small Business Administration Loans
    • Small Business Loans
    • Equipment Loans
    • Letters of Credit
    • Meet our Commercial Lenders
  • Rates
    Checking Rates Savings Rates Certificates of Deposit Rates Individual Retirement Account Rates Money Market Rates Mortgage Rates First-Time Homebuyer Programs Home Equity Rates Vehicle Loan Rates Personal Loan Rates
  • Accounts
  • Loans
  • About
  • Locations
  • Contact
  • 1-800-244-8161
Here For You

For whatever awaits on the horizon, our team is here and ready to help you finance your future.

Find some of our newest and best offers below!

Send and receive money fast..

with Zelle via Online and Mobile Banking!

Health and safety

As our community reopens, here is how we're keeping our customers safe.

Small Business Loan Program

Help your business reach new heights. Click here to learn more!
Feel at Home

Accessible mortgage professionals. Quick service. Our team is here for you every step of the way.

4.75% (4.837% APR*)

Learn more about our 30-Year Fixed Rate Special!

The 1895 HELOC

At 1.895% APR (First 6 Months) WSJ Prime - 0.25% (for the remainder of the term).
Our Community

Our investment is beyond finance. Since 1895, we have continued to invest in relationships with our neighbors, customers, and organizations.

Stay in touch!

Follow us on social media. See our latest community efforts!

Charitable Foundation, Inc.

Funding programs and organizations since 2003.

Meet Benjie!

Our mascot, Benjie the Bay State Beagle. Watch his latest adventures here!
Card Services

From mobile pay to security customization, program your debit or credit cards to your liking with our array of features.

Customize your debit card

Via your mobile device with CardValet. Card security made simple.

Lost your debit card?

Follow these steps. We'll help you!

Apply for a credit card

Your new credit card is just a few clicks away. Apply now.
Mortgages as low as
4.777%
APR*
Certificates as high as
0.60%
APY*
Checking as high as
0.50%
APY*
Auto Loans as low as
3.82%
APR*
Personal
  • Checking Accounts
  • Savings Accounts
  • Money Market
  • CDs & IRAs
  • Mobile Banking
  • Card Services
  • Additional Services
  • Homebuyer Seminars
Business
  • Checking Accounts
  • Savings Accounts
  • Card Services
  • Online Banking
  • Lending Center
Resources
  • E-Banking Services
  • Education Center
  • Calculators
  • Alerts
  • eStatements
  • FAQs
  • Financial Safety
  • Financial Literacy
  • Reorder Checks
  • NMLS Loan Originators List
  • Privacy Policy
  • Website Usage Policy
  • Social Media Policy
  • Sitemap
Rates
  • Checking Rates
  • Savings Rates
  • Certificates of Deposit Rates
  • Individual Retirement Account Rates
  • Money Market Rates
  • Mortgage Rates
  • First-Time Homebuyer Rates
  • Home Equity Rates
  • Vehicle Loan Rates
  • Personal Loan Rates
bay state logo with tag
28 Franklin Street
Worcester, MA 01608
800-244-8161
508-890-9090 (Español)
Routing Number: 211371023
NMLS#: 402171
©2022 Bay State Savings Bank.
All Rights Reserved.
  • Facebook icon Facebook
  • Instagram icon Instagram
  • LinkedIn icon LinkedIn
  • Twitter icon Twitter
  • YouTube icon YouTube
  • BBB Accredited Business icon BBB Accredited Business
  • Equal Housing Lender icon Equal Housing Lender
  • FDIC icon FDIC
  • DIF icon DIF

PLEASE NOTE: You are leaving the Bay State Savings Bank website. By clicking “Ok” below, you will enter a website created, operated, and maintained by a private business or organization. Bay State Savings Bank provides this link as a service to our web site visitors. We are not responsible for the content, views, or privacy policies of this site. We take no responsibility for any products or services offered by this site, nor do we endorse or sponsor the information it contains.

Websites change location, ownership, and address frequently. Bay State Savings Bank is not responsible for the accessibility of this link. Please e-mail marketing@baystatesavings.com if you discover that a link is no longer working.

PLEASE NOTE: Email is not a secure transmission route. Thus we ask that you never send sensitive personal information like Social Security numbers, Account numbers, Credit Card numbers or any type of password via email to Bay State Savings Bank or anyone else. Please call us when submitting this information.