FNB of Scotia CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 1.40%, 6-month CD rates at 3.55% and 3-month CD rates at 3.75%. Current savings rates are at 5.00% and money market rates are at 0.30%. Mortgage rates today on 30-year fixed loans are around 6.99%. Credit Card rates are at 17.99%. Personal Loan rates are at 12.99%. All these rates, and more, can be found in our database of rates. FNB of Scotia's 60-Month CD rates are at 0.70%, 48-Month CD rates are at 0.65%, 36-Month CD rates are at 0.62%, 24-Month CD rates are at 0.50%. FNB of Scotia's savings rates are at 0.07%. FNB of Scotia's money market rates are at 0.30%. FNB of Scotia's 20-Year Fixed rates are at 6.80%, 30-Year Fixed rates are at 6.80%, 15-Year Fixed rates are at 6.75%.

FNB of Scotia

To see how these rates compare to FNB of Scotia CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from FNB of Scotia, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with FNB of Scotia CD rates. You can also compare FNB of Scotia savings rates, MMA rates and mortgage rates using our other rate lists.

FNB of Scotia 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 FNB of Scotia? Share your experience about FNB of Scotia by leaving a review below, or read customer reviews before you decide to use FNB of Scotia.

FNB of Scotia Texas Ratio

FNB of Scotia's Texas Ratio is at 7.37%, which is considered excellent. The Texas Ratio for FNB of Scotia is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, FNB of Scotia is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
0.50%
36-Month CD
0.62%
48-Month CD
0.65%
60-Month CD
0.70%
Savings
0.07%
MMA
0.30%
30-Year Fixed
6.88%
Credit Card
N/A
Personal Loan
N/A
FNB of Scotia
201 Mohawk Ave
Scotia, NY 12302
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

FNB of Scotia CD Rates and Interest Rates

Bank
Product
APY
Min Dep
FNB of Scotia
FNB of Scotia
60-Month CD
0.70%
$500
FNB of Scotia
FNB of Scotia
48-Month CD
0.65%
$500
FNB of Scotia
FNB of Scotia
36-Month CD
0.62%
$500
FNB of Scotia
FNB of Scotia
24-Month CD
0.50%
$500
FNB of Scotia
FNB of Scotia
Money Market
0.30%
$2,500
FNB of Scotia
FNB of Scotia
Day of Deposit Savings
0.07%
$25
FNB of Scotia
FNB of Scotia
NOW Accounts
0.05%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

FNB of Scotia Mortgage Rates

Lender
Product
Rate
APR
Points
FNB of Scotia
FNB of Scotia
15-Year Fixed
6.750%
6.877%
0.000
FNB of Scotia
FNB of Scotia
30-Year Fixed
6.800%
6.878%
0.000
FNB of Scotia
FNB of Scotia
20-Year Fixed
6.800%
6.902%
0.000

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare FNB of Scotia Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Charles Schwab
Charles Schwab
18-Month CD
5.15%
$500
CNB Bank Direct, a div of Citizens National Bank
CNB Bank Direct, a div of Citizens National Bank
High Yield Savings
4.60%
$100
Alden State Bank
Alden State Bank
Kasasa Checking
4.50%
$0
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
12-Month CD certificate
4.10%
$2,500
Acme Continental Credit Union
Acme Continental Credit Union
60-Month CD share certificate
4.08%
$1,000
All America Bank
All America Bank
Super Savers Money Market
4.00%
$2,500
Hatboro Federal Savings
Hatboro Federal Savings
18-Month CD
4.00%
$1,000
ESB Bank
ESB Bank
24-Month CD
3.85%
$10,000
CorTrust Bank
CorTrust Bank
48-Month CD
3.75%
$500
Pioneer Trust Bank
Pioneer Trust Bank
18-Month CD
3.56%
$5,000
Premier Bank Omaha, NE
Premier Bank Omaha, NE
24-Month CD
3.55%
$500
Sturdy Savings Bank
Sturdy Savings Bank
9-Month CD
3.50%
$1,000
Gainey Business Bank
Gainey Business Bank
12-Month CD
3.45%
$5,000
American Express National Bank
American Express National Bank
36-Month CD
3.00%
$0
Bank Forward
Bank Forward
18-Month CD
3.00%
$500
VirtualBank
VirtualBank
3-Month CD
2.94%
$0
Homewood Federal SB
Homewood Federal SB
48-Month CD
2.75%
$500
The Stock Exchange Bank
The Stock Exchange Bank
24-Month CD
2.72%
$500
Manasquan Bank
Manasquan Bank
6-Month CD
2.50%
$500
Genoa Community Bank
Genoa Community Bank
30-Month CD
2.45%
$500
First Federal S&L of Lakewood
First Federal S&L of Lakewood
60-Month CD
2.32%
$500
Charter Bank IA
Charter Bank IA
24-Month CD
2.25%
$10,000
Parkway Bank and Trust Company
Parkway Bank and Trust Company
18-Month CD
2.15%
$1,000
Huntington FSB
Huntington FSB
36-Month CD
2.02%
$500
Stryv Bank
Stryv Bank
24-Month CD
2.02%
$1,000
VisionBank Of Iowa
VisionBank Of Iowa
60-Month CD
2.00%
$250
Exchange State Bank Ames, IA
Exchange State Bank Ames, IA
12-Month CD
2.00%
$1,000
Madison Valley Bank
Madison Valley Bank
36-Month CD
1.81%
$500
Everett Co-operative Bank
Everett Co-operative Bank
48-Month CD
1.75%
$500
Park Bank
Park Bank
18-Month CD
1.69%
$2,500
Brentwood Bank
Brentwood Bank
18-Month CD
1.60%
$2,000
PSB Indianola, IA
PSB Indianola, IA
12-Month CD
1.60%
$1,000
First Mutual Bank, FSB
First Mutual Bank, FSB
48-Month CD
1.45%
$500
Hamler State Bank
Hamler State Bank
60-Month CD
1.11%
$500
First National Bank of Ava
First National Bank of Ava
18-Month CD
1.10%
$500
Fairfield County Bank
Fairfield County Bank
60-Month CD
1.00%
$2,500
FirstOak Bank
FirstOak Bank
24-Month CD
0.75%
$500
F&M Bank Upperco, MD
F&M Bank Upperco, MD
24-Month CD
0.60%
$500
Queenstown Bank
Queenstown Bank
24-Month CD
0.50%
$500
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
Passbook Savings
0.25%
$0
Community Bank of Elmhurst
Community Bank of Elmhurst
60-Month CD
0.20%
$500
First National Bank in Marlow
First National Bank in Marlow
Money Market
0.20%
$5,000
FNB of Grayson
FNB of Grayson
Savings
0.20%
$50
United Bank of Philadelphia
United Bank of Philadelphia
36-Month CD
0.20%
$500
Lake Elmo Bank
Lake Elmo Bank
Savings
0.17%
$200
Central Federal SLA
Central Federal SLA
24-Month CD
0.15%
$2,500
First National Bank of Michigan
First National Bank of Michigan
First Personal Savings
0.10%
$100
Community First Bank Kansas City, KS
Community First Bank Kansas City, KS
Savings Account
0.05%
$100
First Commonwealth Bank
First Commonwealth Bank
18-Month CD
0.05%
$500
FCN Bank, N.A.
FCN Bank, N.A.
Health Savings Account
0.05%
$250
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

FNB of Scotia Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
6.000%
6.056%
0.000
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.071%
0.250
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
5.875%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

FNB of Scotia Information

FNB of Scotia
201 Mohawk Ave
Scotia, NY 12302
Schenectady
Established Date: 01/01/1923
FDIC Certificate #: 11501
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: GLENVILLE BANK HOLDING CO INC
How Many Domestic U.S. Offices? 10
How Many Branches are There? 10
Is FNB of Scotia FDIC Insured? Yes
What is FNB of Scotia's Cert number? 11501
What is the maximum amount for insured deposits? $250,000 per holder, per account

FNB of Scotia Financials

Total Assets:
$668,694,000
Total Deposits:
$593,899,000
Equity Capital:
$46,076,000
Domestic Deposits:
$593,899,000
Net Income:
$566,000
Return on Assets:
0.5993%
Quarterly Return on Assets:
0.3400%
Pretax Return on Assets:
0.4513%
Pretax Quarterly Return on Assets:
0.4500%
Return on Equity:
9.1100%
Quarterly Return on Equity:
5.0600%
Common Equity Tier 1 Capital Ratio:
10.9851%
Tier 1 Risk-Based Capital Ratio:
10.9851%
Leverage Tier 1 (Core Capital) Ratio:
7.4019%
Total Risk-Based Capital Ratio (YTD):
12.2365%
Total Interest Income (YTD):
3.3819%
 
 
Headquarters:
Scotia
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Schenectady
# of Offices:
10
Metropolitan Statistical Area (MSA):
Albany-Schenectady-Troy, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

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