The hingham institution for savings stands out as one of America’s oldest banks. Founded in 1834, this regional bank calls Hingham, Massachusetts, home. It serves people and businesses with a mix of traditional and modern banking options. From savings accounts to commercial loans, the bank focuses on building lasting relationships. Customers enjoy personalized service, low fees, and strong security. Backed by FDIC insurance, deposits stay safe up to the legal limit. The bank also joins the Massachusetts Depositors Insurance Fund, which covers all deposits fully. This extra layer of protection sets it apart from many others.
Over the years, the hingham institution for savings has grown beyond its roots. It now runs branches in key spots and offers nationwide digital banking. People turn to it for everyday needs like checking accounts or big steps like buying a home. Businesses rely on it for cash management and lending. Investors watch its stock, traded as HIFS on NASDAQ. This guide dives into what makes the bank special. You’ll find details on its history, services, and tips to get the most from it.
A Brief History of Hingham Institution for Savings
The story starts in 1834 when locals in Hingham, Massachusetts, needed a safe place to save money. They formed the hingham institution for savings to help the community grow. At first, it focused on simple savings for families and workers. As time passed, it added more services to meet changing needs.
By the 1900s, the bank expanded its reach. It kept a conservative approach, avoiding risky moves. This helped it weather tough times like the Great Depression and financial crises. In 1988, it went public, listing on NASDAQ as HIFS. This step let everyday investors own a piece of the bank.
Today, the bank blends old values with new tech. It has offices in Boston, Nantucket, Washington, D.C., and San Francisco. Growth came from smart choices, like focusing on real estate loans. Annual reports show steady progress in assets and earnings. For example, by 2024, net loans hit about $3.874 billion, down slightly from prior years but still strong1.
Personal Banking Services at Hingham Institution for Savings
Individuals find plenty of options here. The bank designs services for everyday life. Start with checking accounts. They come with no monthly fees if you keep a low balance. You get free ATM use and mobile check deposits. For savings, choose from basic accounts or high-yield options.
Certificates of Deposit (CDs) lock in good rates. Current hingham institution for savings interest rate for a 4-month CD sits at 3.75% APY. A 5-month CD offers 3.70% APY. These rates beat many big banks. Open one online in minutes.
Digital tools make banking simple. Use the hingham institution for savings login on the app or website to check balances anytime. Pay bills, transfer funds, or track spending with ease. The bank invests in secure tech to protect your info.
For those new to banking, here’s how to get started:
- Visit a branch or go online: Pick what works for you.
- Gather your ID: Bring a driver’s license and Social Security number.
- Choose your account: Start with checking or savings.
- Fund it: Deposit cash or transfer from another bank.
- Set up digital access: Download the app for on-the-go control.
This process takes little time and opens doors to reliable service.
Business Banking Solutions
Businesses get tailored help from the hingham institution for savings. It serves startups, law firms, property managers, nonprofits, and more. Relationship managers guide you through options.
Checking accounts for businesses have no hidden fees. They include tools for payroll and payments. Cash management services help track funds efficiently. For nonprofits, special packages handle donations and grants.
Municipalities and government groups trust the bank for secure handling of public funds. It offers sweep accounts to maximize earnings on idle cash.
To pick the right service:
- Assess your needs: Do you need loans, deposits, or both?
- Talk to a manager: They offer free advice.
- Review rates and fees: Compare with others.
- Apply online or in person: Submit docs like business ID and financials.
- Monitor progress: Use digital dashboards for updates.
This approach helps businesses grow without worry.
Loans and Mortgages Offered
Borrowing money here feels straightforward. Residential mortgages include 30-year fixed, 15-year fixed, and 5/5 ARM options. Current rates: 6.268% APR for 30-year, 5.904% for 15-year. Jumbo loans cater to bigger homes.
Hingham institution for savings loan products extend to home equity lines. Use them for renovations or debt consolidation. Rates adjust but start low.
Commercial loans focus on real estate. Investors in multifamily properties or offices find flexible terms. The bank reviews each deal carefully to ensure success.
For borrowers, follow these steps:
- Check your credit: Aim for a good score.
- Gather paperwork: Income proof, assets, and property details.
- Apply: Online or at a branch.
- Get pre-approved: Know your budget early.
- Close the deal: Sign and fund.
This method reduces stress and speeds things up.
Branch Locations and Accessibility
Find hingham institution for savings branches in convenient spots. In Massachusetts, visit Hingham Square at 55 Main Street, Hingham. Boston’s South End branch is at 540 Tremont Street. The hingham institution for savings nantucket location sits at 35 Main Street, perfect for island residents.
Outside the state, offices in Washington, D.C., and San Francisco serve broader needs. The San Francisco spot opened in 2021, aiding West Coast clients.
All branches offer drive-up windows and ATMs. Hours run standard business times, with early closes on holidays. For wires or big transactions, note cut-off times like 4:00 PM EST.
Digital Banking and Security Features
Go paperless with robust online tools. The hingham institution for savings login portal lets you view statements, transfer money, and set alerts. Mobile apps work on iOS and Android for quick checks.
Security matters most. The bank uses encryption and multi-factor authentication. FDIC and DIF insurance cover all deposits. No caps on protection mean peace of mind.
Tips for safe online banking:
- Use strong passwords: Mix letters, numbers, and symbols.
- Enable alerts: Get texts for transactions.
- Avoid public Wi-Fi: Bank from secure networks.
- Update apps: Keep software current.
- Monitor accounts: Check weekly for odd activity.
These habits keep your money safe.
Financial Performance and Investor Insights
As a public company, HIFS draws investor eyes. Shares trade on NASDAQ. Recent hingham institution for savings investor relations materials include annual letters since 1988. These detail strategies and results.
In 2024, assets held steady despite challenges. Non-performing loans rose to 0.81% by September 2025, but stayed low overall. The bank focuses on real estate, with 87% of loans in that area.
Dividends appeal to income seekers. In November 2025, it declared a regular and special dividend. Stock buybacks show confidence—a $20 million program started in December 2025.
Investors on Reddit see it as a value play. Pros include low non-performing assets (0.02% historically) and high reserves. Cons note rate sensitivity and growth limits.
For potential investors:
- Research filings: Read SEC reports.
- Track earnings: Next report expected January 2026.
- Watch markets: Shares rose 14% over five years despite earnings dips.
- Diversify: Pair with other stocks.
- Consult pros: Get advice from financial experts.
This info helps make smart choices.
Recent Hingham Institution for Savings News
Stay updated with hingham institution for savings news. In 2025, the bank authorized a stock repurchase program worth $20 million. This move signals strong belief in its value.
Dividends continued, with payouts in November. Analysts rate it a cautious hold after rate challenges.
Technical charts showed bearish signals in December, like a MACD death cross. But long-term views remain positive.
Annual meeting slides from 2025 highlight loan and deposit growth. Net interest margin and efficiency improved.
For more, check theofficial website2.
Community Involvement and Special Programs
The bank gives back. It supports local groups, like the Nantucket Education Trust. This partnership aids island schools.Nonprofits get custom banking. Municipalities benefit from secure fund handling.
In tough times, the bank stood firm. During COVID, it expanded to San Francisco while keeping operations smooth.
Customers praise the personal touch. One Yelp review notes friendly staff at the Nantucket branch.
Routing and Contact Information
Need the hingham institution for savings routing number? It’s 211370370 for ACH and wires. Use it for direct deposits or payments.
Contact branches directly. Hingham: 781-783-1798. Boston: 617-426-1444. Nantucket: 508-228-1976.
For investor questions, visit the relations page.
FAQs About Hingham Institution for Savings
What is Hingham Institution for Savings?
Hingham Institution for Savings is a very old and trusted bank that started in 1834. It is headquartered in Hingham, Massachusetts. The bank offers personal banking, business banking, mortgages, commercial real estate loans, and strong digital banking services for people all over the country.
Where are the Hingham Institution for Savings branches located?
Hingham Institution for Savings branches can be found in Massachusetts (Hingham, Boston, and Hingham Institution for Savings Nantucket), plus additional offices in Washington, D.C. and San Francisco. You can also bank from anywhere using their online and mobile tools.
How do I log in to my account?
Go to the official website or download the mobile app. Use your Hingham Institution for Savings login username and password. For extra safety, turn on two-factor authentication.
What are the current Hingham Institution for Savings interest rates?
Hingham Institution for Savings interest rates are competitive. As of late 2025, some of the best offers include:
- 4-month CD: 3.75% APY
- 5-month CD: 3.70% APY
- Regular savings and money market accounts also pay good interest. Rates change, so always check the website for the latest.
What kinds of loans does Hingham Institution for Savings offer?
Hingham Institution for Savings loan options include:
- Residential mortgages (30-year fixed, 15-year fixed, 5/5 ARM)
- Jumbo mortgages for larger homes
- Home equity lines of credit
Why Choose Hingham Institution for Savings
This bank excels in reliability. Its history proves staying power. Services fit diverse needs, from families to investors. Competitive rates and full insurance reassure users.
In conclusion, the hingham institution for savings offers a solid choice for banking and investing. With roots in 1834 and modern tools, it meets today’s demands while honoring traditions. Whether you seek a mortgage, business loan, or stock opportunity, it deliver3s. What banking needs will you tackle next with Hingham?