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Adams Community Bank Review

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Adams Community Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Established in 1869, Adams Community Bank has $527 million in assets along with $426 million in deposits, which makes the institution a medium-size bank. Adams Community Bank, whose headquarters are in Adams, Massachusetts, lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. With a score of 4.2 out of 5 stars, Adams Community Bank should be solidly in contention for your choice of bank. Adams Community Bank has numerous product offerings, including savings accounts, checking accounts, CDs, IRAs and mortgage products. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, Adams Community Bank's most basic checking does not carry a monthly maintenance fee. Banks that offer free checking as well as a high interest rate savings account are your best bet for returning the most income on your deposits while having convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.10%, Adams Community Bank ranks poorly compared to other U.S. banks. Its one-year CD earns at a rate of 0.50% and the five-year CD has a rate of 1.60%, while its highest-yielding money market account earns at an APY of 0.15%. Given Adams Community Bank's below average savings rate, you should consider opting for higher earning savings accounts with other banks.

How Adams Community Bank's Savings Rates Compare

Adams Community Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

Adams Community Bank charges customers extremely low fees in comparison to the average U.S. bank. With no monthly fee, Adams Community Bank's checking account is ideal for those who want a hassle-free checking account. For those who often withdraw cash from the ATM, it is good because it charges an out-of-network ATM fee of $1.00, which is good in comparison to the average U.S. bank. Also, it has an overdraft fee of $30.00, which is markedly less than the national average. Adams Community Bank does not refund out-of-network ATM fees, meaning you'll have to search for an Adams Community Bank ATM or eat the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $1.00 National Average: $1.20
Overdraft Fee $30.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Adams Community Bank is a brick-and-mortar bank, with eight total branches in Massachusetts. It also offers access to mobile and web apps for a straightforward mobile-banking experience. It does not offer all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 8:00 a.m. to 4:00 p.m. ET. Adams Community Bank receives relatively decent ratings from users for its mobile platform. Out of 20 customer reviews on both iOS and Android platforms, the Adams Community Bank mobile app rates a 4.2 out of 5 (compared to the national average of 3.8). You can access Adams Community Bank's app to manage your accounts by checking account balances, transferring money as well as accessing customer service. Adams Community Bank gets an outstanding consumer satisfaction rating based on relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.2/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Adams Community Bank ranks as a medium-size bank and has $527 million in assets and $426 million in deposits. Its Texas Ratio is 2.91%, denoting that the bank is in superb financial well-being and improbable to fail. Additionally, Adams Community Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Adams Community Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $10
Checking Account 0.05% APY $10
Certificates of Deposit
  • 12 Month: 0.50% APY
  • 24 Month: 0.85% APY
  • 36 Month: 1.20% APY
  • 48 Month: 1.15% APY
  • 60 Month: 1.60% APY
$10 for all terms
Money Market Account 0.15% APY $2500

Adams Community Bank has several deposit products like savings accounts, checking accounts and CDs that provide you with many options to manage your money. Adams Community Bank does not have the best savings rate, which means you should think about looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Adams Community Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a Adams Community Bank Near Me

Adams Community Bank has eight physical locations in the U.S.

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