What are the current interest rates at Blue Ridge Bank and Trust Co.?

Current rates for Blue Ridge Bank and Trust Co. include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.00%, 36-Month CD: 1.30%, 48-Month CD: 1.40%, 60-Month CD: 1.50%, Savings: 0.10%, MMA: 0.40%

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Blue Ridge Bank and Trust Co. Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Ridge Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Blue Ridge Bank and Trust Co.'s 12-Month CD/IRA rates are at 3.55%, 18-Month CD/IRA rates are at 3.55%, 24-Month CD/IRA rates are at 3.00%, 30-Month CD/IRA rates are at 2.50%, 60-Month CD/IRA rates are at 1.50%. Blue Ridge Bank and Trust Co.'s savings rates are at 0.10%. Blue Ridge Bank and Trust Co.'s money market rates are at 0.40%. MonitorBankRates evaluates the financial stability of Blue Ridge Bank and Trust Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.89%. Rates last updated and verified on 08/28/2026.

Blue Ridge Bank and Trust Co. money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Blue Ridge Bank and Trust Co.? Share your experience about Blue Ridge Bank and Trust Co. by leaving a review below, or read customer reviews before you decide to use Blue Ridge Bank and Trust Co..

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.89%

Excellent Lower than avg

Blue Ridge Bank and Trust Co.

4200 Little Blue Pkwy
Independence, MO 64057

https://www.blueridgebank.com

Blue Ridge Bank and Trust Co. CD Rates

Product	Rate	APY
12 Month CD/IRA	3.50%	3.55%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
18 Month CD/IRA	3.50%	3.55%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
24 Month CD/IRA	2.97%	3.00%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
30 Month CD/IRA	2.48%	2.50%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
60 Month CD/IRA	1.49%	1.50%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
48 Month CD/IRA	1.39%	1.40%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
36 Month CD/IRA	1.29%	1.30%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
31 Day CD	1.00%	1.00%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
6 Month CD/IRA	1.00%	1.00%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
60 Day CD	1.00%	1.00%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
91 Day CD/IRA	1.00%	1.00%
Min Deposit $500 Min Balance $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Blue Ridge Bank and Trust Co. Savings Rates

Product	Rate	APY
Maximum Yield (MY) Savings Account	2.04%	2.06%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Qualifications Met; Qualifications Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield (MY) Savings Account	0.20%	0.20%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: Qualifications Met; Qualifications Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
My First Million Savings	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Savings Account	0.20%	0.20%
Min Deposit $100 Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Student Savings	0.20%	0.20%
Min Deposit $50 Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield (MY) Savings Account	0.10%	0.10%
Min Deposit $25 Details Qualifications Required: Qualifications Not Met; Qualifications Not Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Blue Ridge Bank and Trust Co. Money Market Rates

Product	Rate	APY
Business Maximum Yield Money Market	3.23%	3.28%
Min Deposit $15,000 Min Balance $750,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Maximum Yield Money Market	1.50%	1.51%
Min Deposit $15,000 Min Balance $85,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield Money Market	1.00%	1.00%
Min Deposit $15,000 Min Balance $85,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Regular Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Maximum Yield Money Market	0.65%	0.65%
Min Deposit $15,000 Min Balance $40,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield Money Market	0.65%	0.65%
Min Deposit $15,000 Min Balance $40,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Maximum Yield Money Market	0.55%	0.55%
Min Deposit $15,000 Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield Money Market	0.55%	0.55%
Min Deposit $15,000 Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Regular Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Business Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Regular Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Blue Ridge Bank and Trust Co. Checking Rates

Product	Rate	APY
Maximum Yield (MY) Checking	3.98%	4.05%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Qualifications Met; Qualifications Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Elite Plus Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield (MY) Checking	0.12%	0.12%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: Qualifications Met; Qualifications Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%
Maximum Yield (MY) Checking	0.10%	0.10%
Min Deposit $100 Details Qualifications Required: Qualifications Not Met; Qualifications Not Met Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Blue Ridge Bank and Trust Co. Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	4.00%	10-year draw/10-year payout
Details Variable rate: PRIME - 1/2% during your "First Payment Stream" and PRIME + 1/4% during your "Second Payment Stream" (Prime currently 6.75%; Floor Rate is 4.00%). The APR may change monthly, but will not exceed 24.00% APR (Ceiling Rate). Property insurance required. During the "First Payment Stream" (120 months), minimum monthly payments will be based on 1% of the outstanding balance. During the "Second Payment Stream" (120 months), the regular payment will be based on amortization of your balance at the start of this payment period, or $100, whichever is greater. A Conversion Option is offered to convert the APR from a variable rate with annual percentage rate limits to a fixed rate. The fixed rate will be determined as published by Blue Ridge Bank and Trust Co. at the time of conversion. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.89%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Blue Ridge Bank and Trust Co. is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Blue Ridge Bank and Trust Co. rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Blue Ridge Bank and Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Blue Ridge Bank and Trust Co.

Bank Holding Company BLUE RIDGE BANCSHARES INC

Address 4200 Little Blue Pkwy, Independence, MO 64057 · Jackson

Website https://www.blueridgebank.com

FDIC Certificate # 17933

Established 09/08/1958

FDIC Insurance Date 11/20/1958

Domestic Offices 8

Total Branches 8

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7821%

Return on Equity (ROE) 10.3700%

Non-Performing Loans (NPL) 0.14%

Total Assets $883,363,000

Total Deposits $740,363,000

Equity Capital $80,366,000

Net Income $10,240,000

Headquarters Independence

Total Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Blue Ridge Bank and Trust Co.

How many branches does Blue Ridge Bank and Trust Co. operate?

Blue Ridge Bank and Trust Co. currently maintains approximately 8 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Blue Ridge Bank and Trust Co. does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Ridge Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does Blue Ridge Bank and Trust Co. offer online and mobile banking?

Most modern institutions like Blue Ridge Bank and Trust Co. provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.blueridgebank.com.