Financial Wellness Score

Your score reflects where you are today, not where you’ll be tomorrow.

Start Making Change

Small, consistent actions can have a meaningful impact on your financial well-being over time. Explore the financial wellness resources to identify your next step and continue building a stronger financial future.

Find Your Score

Very Low (0-29)

Your results suggest that financial stability may be a challenge right now, and the best first step is to focus on managing day-to-day finances. Building a basic budget, understanding spending habits, and establishing a small emergency fund can create a stronger foundation for future financial progress.

Low (30-29)

You’ve started building financial habits, but there may still be opportunities to strengthen savings and reduce financial stress. Focus on creating consistent savings routines, improving budgeting practices, and developing a plan to manage debt effectively.

Medium Low (38-49)

You are making progress toward financial wellness and have an opportunity to strengthen your financial resilience. Concentrate on growing emergency savings, improving credit health, and building habits that support longer-term financial goals.

Medium High (50-57)

Your financial foundation is relatively strong, and now is a great time to focus on optimizing your financial habits. Consider increasing savings, automating financial goals, and preparing for future milestones such as retirement, homeownership, or education expenses.

High (58-67)

Your financial foundation is relatively strong, and now is a great time to focus on optimizing your financial habits. Consider increasing savings, automating financial goals, and preparing for future milestones such as retirement, homeownership, or education expenses.

Very High (68-100)

Your financial foundation is relatively strong, and now is a great time to focus on optimizing your financial habits. Consider increasing savings, automating financial goals, and preparing for future milestones such as retirement, homeownership, or education expenses.

Mascoma Bank and Androscoggin Bank Announce Plans
for a Multi-Bank Mutual Holding Company Structure

Holiday Hours: The bank will be closed on Saturday, September 5th, 2026, and Monday, September 7th, 2026, for the Federal Holiday.
Digital Banking and ATMs will still be available for your banking needs. Learn more

To better serve you, all branches of Mascoma Bank will be closed Saturday, October 3, 2026 for a system update. Our digital banking and ATM's will be available to serve you. We apologize for the inconvenience.