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Canandaigua National Bank and Trust Company Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 6, 2026

You can compare Canandaigua National Bank and Trust Company rates to other rates in our database, including 12-month CD rates currently at 3.55%, 6-month CD rates at 3.80% and 3-month CD rates at 0.40%. Savings rates are at 0.75% and money market rates are at 0.05%. Mortgage rates on 30-year fixed loans are around 6.20%. All these rates can be compared to Canandaigua National Bank and Trust Company rates. MonitorBankRates evaluates the financial stability of Canandaigua National Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.59%. Rates were last updated on 05/06/2026.

Canandaigua National Bank and Trust Company 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 Canandaigua National Bank and Trust Company? Share your experience about Canandaigua National Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use Canandaigua National Bank and Trust Company.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.59%
Excellent Lower than avg
Canandaigua National Bank and Trust Company
72 S Main St
Canandaigua, NY 14424
https://www.cnbank.com
Member FDIC

Current Rate Availability

We do not have Canandaigua National Bank and Trust Company rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Canandaigua National Bank and Trust Company 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 Canandaigua National Bank and Trust Company 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 Canandaigua National Bank and Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Canandaigua National Bank and Trust Company
Bank Holding Company CANANDAIGUA NATIONAL CORP
Address 72 S Main St, Canandaigua, NY 14424  ·  Ontario
Website https://www.cnbank.com
FDIC Certificate # 6985
Established 12/01/1887
FDIC Insurance Date 01/01/1934
Domestic Offices 26
Total Branches 26
Regulator OCC
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
2.59%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.9834%
Return on Equity (ROE) 13.4600%
Non-Performing Loans (NPL) 0.17%
Total Assets $5,315,449,000
Total Deposits $4,384,014,000
Equity Capital $457,962,000
Net Income $59,890,000
Headquarters Canandaigua
Total Offices 26
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

There are no reviews for Canandaigua National Bank and Trust Company yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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Frequently Asked Questions About Canandaigua National Bank and Trust Company

Is Canandaigua National Bank and Trust Company a safe place to deposit money?

Yes, Canandaigua National Bank and Trust Company is considered a safe financial institution. With a Texas Ratio of 2.5934369137848%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Canandaigua National Bank and Trust Company operate?

Canandaigua National Bank and Trust Company currently maintains approximately 26 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, Canandaigua National Bank and Trust Company 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, Canandaigua National Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Canandaigua National Bank and Trust Company offer online and mobile banking?

Most modern institutions like Canandaigua National Bank and Trust Company 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.cnbank.com.

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