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Avidia Bank

Popular Accounts at this Bank

1.06%1-year CD12 Month CD
1.31%2-year CD24 Month CD
0.05%CheckingValue NOW Checking

Overview / Commentary
42 Main Street
Hudson, MA 01749

From the Bank

Avidia Bank provides the best in banking to consumers and businesses and is a proud community partner. Formed in 2007 by a merger between Hudson Savings Bank and Westborough Bank, Avidia Bank is now a $1.2 Billion mutual community bank headquartered in Hudson, MA. It has branches in Hudson, Westborough, Clinton, Marlborough, Northborough, Shrewsbury, Leominster and is opening soon in Framingham.

With investments in technology, Avidia offers Mobile banking with check deposit, bill pay, transfers, and the option to pay other people electronically.

The bank is very passionate about communities it serves in and helps out area organizations through the Avidia Charitable Foundation as well as through the Bank itself.

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Reviews (5)

Great People, Totally Absurd Online Banking Experience

Good luck to anyone seeking an easy, straightforward online banking experience with Avidia. In my experience, it's pure imbecilic torture. I am all in favor of whatever degree of security a bank wants to impose on its systems. If a bank wants to go to the Fort Knox level, by all means, go ahead. However, there's an intelligent and logical way to go about doing it. Avidia did not get the memo on this. None of the other banks I deal with come anywhere close to Avidia in terms of how cumbersome and difficult they make online banking. All totally unnecessary and avoidable. Great CS phone reps - I feel badly for them having to defend and find workarounds for such poorly conceived internal systems.

Avidia Overcharged And Won't Respond

Posted by: WBDoyle | May 25, 2017

Beware: Avidia overcharged us on a contract and has simply not responded. Be very careful and watch for ACH withdrawals without your consent!!

Avidia HSA....Two Words... Look Else Where!

Posted by: TitanT | May 20, 2017

Healthcare professional here. I've never experienced such an unprofessional, incompetent set of customer services reps and their supervisors. You can not possibly get them to resolve your issues. Not only are they not versed in their very confusing websites software, they stall and push you along to the next rep... say they see your concerns and do everything to get off the phone with you. After this, they lie and say they called you ...with no documentation. Ask them for proof they are working on your situation? Or Prove that they "left you a message about resolving your concerns several times"? .... dead silence .... steer clear folks .... this organization is not ready or able to in the HSA business.

Terrible Bank

Horrible customer service because they use a 3rd party vendor and use a 3rd party vendor for their cards. Even in the branch, some of the employees conduct themselves in an unprofessional manner. Don't use this shell of a bank that only generates fees for itself and really provides no tangible value.

Poor Customer Service

Posted by: uglysquid | May 5, 2014

I did not receive a card for my HSA, so I called to ask for one. They said they would put in an expedited request. Great! 2 weeks later, nothing. I call up again and they can't find anything in the system. They say they don't want to try it again because they don't want to charge me a second $50 fee. Wait, what?? No one said anything about fees! They say I'll need to talk to the people at the main branch, and they gave me a phone number for it. I call it and it just bounces back to them again, and again, and again. They say I should go visit my local branch. Fine, except it is 2000 miles away. I do not respect anyone that stonewalls like this!


Health Grade Components

FDIC Certificate #90215
Year Established1869
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD10.15%
Annual Interest Income$29.6MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$1.50B$1.34B
LoansQ2 2017vs Q2 2016$1.16B$1.03B
DepositsQ2 2017vs Q2 2016$1.03B$921.8MM
Equity CapitalQ2 2017vs Q2 2016$126.9MM$117.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$10.4MM$7.9MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$3.8MM$6.3MM
Real Estate OwnedQ2 2017vs Q2 2016$465.00K$1.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Avidia Bank Savings Account Rates

0.25%*$50k*-Smart Savings Account
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.25%*$20k*-Health Savings Account (HSA)
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $20k
0.10%--Passbook Account
0.10%--Statement Holiday Club

Avidia Bank Money Market Rates

0.45%*$50k*-IRA Money Market Account
OTHER TIERS: 0.30% Up to $50k
0.45%*$100k*-Money Market Account
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k | 0.30% $50k - $100k

Avidia Bank Checking Account Rates

OTHER TIERS: 0.35% $25k+
0.12%*$50k*-The Most Account
OTHER TIERS: 0.02% Up to $25k | 0.07% $25k - $50k
0.05%--Value NOW Checking
0.05%--Senior Checking

Avidia Bank CD Rates

2.07%$1k-60 Month CD
1.77%$1k-48 Month CD
1.56%$1k-36 Month CD
1.41%$1k-30 Month CD
1.31%$1k-24 Month CD
1.11%$1k-18 Month CD
1.06%$1k-12 Month CD
0.45%$1k-6 Month CD
0.30%$1k-3 Month CD

Avidia Bank IRA Rates

2.22%$500-60 Month IRA
1.92%$500-48 Month IRA
1.71%$500-36 Month IRA
1.56%$500-30 Month IRA
1.46%$500-24 Month IRA
1.26%$500-18 Month IRA
1.21%$500-12 Month IRA

Cities: Clinton, Hudson, Leominster, Marlborough, Northborough, Shrewsbury, Westborough

Clinton Branches
Clinton Branch1073 Main StreetClinton, MA 01510

Hudson Branches
Hudson Shopping Center Branch221 Washington StreetHudson, MA 01749
Avidia Bank42 Main StreetHudson, MA 01749
Hudson Loan Center Branch17 Pope StreetHudson, MA 01749

Leominster Branches
Leominster Branch470 Lancaster StreetLeominster, MA 01453

Marlborough Branches
Marlborough Branch256 Maple StreetMarlborough, MA 01752

Northborough Branches
Northborough Branch53 West Main StreetNorthborough, MA 01532

Shrewsbury Branches
Shrewsbury Branch23 Maple AvenueShrewsbury, MA 01545

Westborough Branches
Westborough Savings Bank Branch100 East Main StreetWestborough, MA 01581
Willows BranchOne Lyman StreetWestborough, MA 01581