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Dime Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 and Verified: October 14, 2026
Dime Bank's top rates as of October 14, 2026 are 4.00% APY on its 7-Months 7-Month Certificate of Deposit Account, 0.10% APY on savings, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Dime Bank CD rates include 7-Months Certificate of Deposit Account - 7-Month at 4.00%, Certificate of Deposit Account - 10-Month at 3.75%, and Flex Certificate of Deposit - 15-Month at 3.50%. MonitorBankRates evaluates the financial stability of Dime Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 10/14/2026.
Dime Bank 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 Dime Bank? Share your experience about Dime Bank by leaving a review below, or read customer reviews before you decide to use Dime Bank.
Dime Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Dime Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.37%
ExcellentLower than avg
Dime Bank Texas Ratio
Dime Bank's Texas Ratio is 1.37%, which is considered excellent and is lower than the national average of 5.85%.
Dime Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.01% to 1.37% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Dime Bank CD Rates
Product
Rate
APY
Term
View More
7 Month Certificate of Deposit Account
3.92%
4.00%
7 Months
Min Deposit$5,000
DetailsFootnote *: New funds not currently on deposit with Dime Bank only; consumer customers need a Dime Checking Account with at least $2,000.00 balance at account opening; at maturity automatically renews into a 1 Year CD
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 7 month
3.92%
4.00%
7 Months
Min Deposit$5,000
Min Balance$0
DetailsNew funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening; commercial customers must have a Dime Business Checking Account with a balance of at least $2,000.00. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 10 Month
3.68%
3.75%
10 Month
Min Deposit$500
Min Balance$0
DetailsAvailable to consumer and commercial customers. Must maintain a positive balance to earn APY. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Flex Certificate of Deposit - 15 Month
3.44%
3.50%
15 Month
Min Deposit$5,000
Min Balance$0
DetailsNot available for Retirement Funds; Minimum balance is $0.01 to earn interest; At maturity, will be automatically renewed into a 1 Year CD; Maximum deposit is $250,000.00; Consumer customers must have a Dime Bank consumer checking account; Commercial customers must have a Dime Bank business checking account
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Month
2.52%
2.55%
30 Month
Min Deposit$500
Min Balance$0
DetailsAt maturity, will be automatically renewed into a 3 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.55% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 16 Month
2.47%
2.50%
16 Month
Min Deposit$5,000
Min Balance$0
DetailsAvailable to consumer and commercial customers. Must maintain a positive balance to earn APY. At maturity, will be automatically renewed into a 1 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 22 Month
2.37%
2.40%
22 Month
Min Deposit$500
Min Balance$0
DetailsAt maturity, will be automatically renewed into a 2 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.40% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
5 Year Certificate of Deposit Account
0.40%
0.40%
5 Years
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 5 Years
0.40%
0.40%
5 Years
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
4 Year Certificate of Deposit Account
0.30%
0.30%
4 Years
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 4 Years
0.30%
0.30%
4 Years
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.30% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
3 Year Certificate of Deposit Account
0.25%
0.25%
3 Years
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 3 Years
0.25%
0.25%
3 Years
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
2 Year Certificate of Deposit Account
0.10%
0.10%
2 Years
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 18 Month
0.10%
0.10%
18 Month
Min Deposit$500
Min Balance$0
DetailsAt maturity, will be automatically renewed into a 2 Year CD. Fees may reduce earnings. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 2 Years
0.10%
0.10%
2 Years
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
182 Day Certificate of Deposit Account
0.05%
0.05%
182 Days
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
30 Day Certificate of Deposit Account
0.05%
0.05%
30 Days
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
91 Day Certificate of Deposit Account
0.05%
0.05%
91 Days
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 1 Year
0.05%
0.05%
1 Year
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 182 Days
0.05%
0.05%
182 Days
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Days
0.05%
0.05%
30 Days
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 91 Days
0.05%
0.05%
91 Days
Min Deposit$500
Min Balance$0
DetailsFees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.05% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Dime Bank Savings Rates
Product
Rate
APY
View More
Health Savings Account (HSA)
0.10%
0.10%
Min Deposit$25
Min Balance$0
DetailsBalance: $0.00 - $4,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Health Savings Account (HSA)
0.10%
0.10%
Min Deposit$25
Min Balance$5,000
DetailsBalance: $5,000.00 - $14,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Health Savings Account (HSA)
0.10%
0.10%
Min Deposit$25
Min Balance$15,000
DetailsBalance: $15,000.00 and up; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account
0.05%
0.05%
Min Deposit$500
Min Balance$100,000
DetailsBalance: $100,000.00 - $249,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account
0.05%
0.05%
Min Deposit$500
Min Balance$250,000
DetailsBalance: $250,000.00 - $499,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account
0.05%
0.05%
Min Deposit$500
Min Balance$500,000
DetailsBalance: $500,000.00 and up; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account
0.03%
0.03%
Min Deposit$500
Min Balance$20
DetailsBalance: $20.00 - $24,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account
0.03%
0.03%
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000.00 - $99,999.99; Offered to Business & Non-Profit Organizations; Variable Rate Account - interest may change at discretion after opening
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account
0.03%
0.03%
Min Deposit$25
Min Balance$20
DetailsBalance: $20.00 - $4,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account
0.03%
0.03%
Min Deposit$25
Min Balance$5,000
DetailsBalance: $5,000.00 - $24,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account
0.03%
0.03%
Min Deposit$25
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Regular Statement Savings Account
0.03%
0.03%
Min Deposit$25
Min Balance$50,000
DetailsBalance: $50,000.00 and up; Variable Rate Account - interest may change at our discretion after the account is opened; Fees may reduce earnings
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
No change since Sep 19, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Dime Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit Special
-
-
6.25%
DetailsCurrent variable APR after the introductory period: Prime - 0.5% or 6.25% APR (floor 4.00%, maximum 15.00%); introductory APR is shown only as a template placeholder and is not printed; $25,000 minimum initial draw at closing; account closure fee 1% if closed within 36 months; $50 annual fee beginning 13th billing cycle; Consult tax advisor on interest deductibility
Last Updated10/14/2026
Rate History
No change since Sep 27, 2026 · 6.25% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.37%
Financial Health History
Dime Bank’s Texas Ratio stayed near 1.01% in Q3 2023 to 1.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$1.2B
1.37%
5.0
A+
March 31, 2026
$1.2B
0.78%
5.0
A+
December 31, 2025
$1.2B
1.86%
5.0
A+
September 30, 2025
$1.2B
2.67%
5.0
A+
June 30, 2025
$1.2B
2.14%
5.0
A+
March 31, 2025
$1.2B
2.34%
5.0
A+
December 31, 2024
$1.2B
2.33%
5.0
A+
September 30, 2024
$1.2B
0.81%
5.0
A+
June 30, 2024
$1.1B
1.37%
5.0
A+
March 31, 2024
$1.2B
0.77%
5.0
A+
December 31, 2023
$1.2B
0.94%
5.0
A+
September 30, 2023
$1.1B
1.01%
5.0
A+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Dime Bank 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 Dime Bank 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 Dime Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameDime Bank
FDIC Certificate #18200
Address
290 Salem Tpke,
Norwich, CT 06360 · Southeastern Connecticut
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Dime Bank
Frequently Asked Questions About Dime Bank
How many branches does Dime Bank operate?
Dime Bank currently maintains approximately 14 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, Dime Bank 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, Dime Bank provides members with tools to manage their accounts and build a solid financial history.
Does Dime Bank offer online and mobile banking?
Most modern institutions like Dime Bank 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.dime-bank.com.
Current Dime Bank Rates
12-Month CD0.05%
18-Month CD0.10%
24-Month CD0.10%
36-Month CD0.25%
48-Month CD0.30%
60-Month CD0.40%
Savings0.10%
Retrieved from our database of financial products. Rates subject to change.