What are the current interest rates at FNB of Scotia?

Current rates for FNB of Scotia include: 24-Month CD: 0.57%, 36-Month CD: 0.63%, 48-Month CD: 0.69%, 60-Month CD: 0.73%, Savings: 0.10%, MMA: 0.50%, 30-Year Fixed: 6.07%

FNB of Scotia Rates and Review January 2026

Q: How many branches does FNB of Scotia operate?

FNB of Scotia currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Scotia 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, FNB of Scotia provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

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FNB of Scotia Deposit Rates

FNB of Scotia's 60-Month CD rates are at 0.73%, 48-Month CD rates are at 0.69%, 36-Month CD rates are at 0.63%, 24-Month CD rates are at 0.57%. FNB of Scotia's savings rates are at 0.10%. FNB of Scotia's money market rates are at 0.50%. FNB of Scotia's 20-Year Fixed rates are at 5.90%, 30-Year Fixed rates are at 5.90%, 15-Year Fixed rates are at 5.68%.

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.

Financial Stability and Texas Ratio

FNB of Scotia's Texas Ratio is at 8.71%, which is considered excellent. The Texas Ratio for FNB of Scotia is higher than the national average of all banks, currently at 6.13%. 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.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.37%

18-Month CD

N/A

2.15%

24-Month CD

0.57%

2.17%

36-Month CD

0.63%

2.12%

48-Month CD

0.69%

2.11%

60-Month CD

0.73%

2.23%

Savings

0.10%

0.60%

MMA

0.50%

0.76%

30-Year Fixed

6.07%

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

FNB of Scotia

201 Mohawk Ave
Scotia, NY 12302

https://www.firstscotia.com

MonitorBankRates' Rating

5/5

★★★★★

Review FNB of Scotia

FNB of Scotia CD Rates and Interest Rates

FNB of Scotia

60-Month CD

0.73%

$500

FNB of Scotia

48-Month CD

0.69%

$500

FNB of Scotia

36-Month CD

0.63%

$500

FNB of Scotia

24-Month CD

0.57%

$500

FNB of Scotia

Money Market

0.50%

$2,500

FNB of Scotia

Savings

0.10%

$25

FNB of Scotia

Interest Checking

0.05%

$500

Disclaimer

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.

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

FNB of Scotia

20-Year Fixed

5.900%

6.129%

0.000

FNB of Scotia

30-Year Fixed

5.900%

6.072%

0.000

FNB of Scotia

15-Year Fixed

5.680%

5.964%

0.000

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

AAA Federal Savings Bank

12-Month CD

4.00%

$500

West Union Bank

Kasasa Savings

4.00%

$50

My eBanc, a division of Bradesco Bank

SuperSaver Money Market

3.90%

$5,000

FinWise Bank

24-Month CD

3.84%

$500

Rising Bank

High Yield Savings

3.75%

$1,000

TTNB Turbotville Bank

6-Month CD

3.75%

$2,500

Citizens Access

12-Month CD

3.65%

$5,000

American Eagle Bank

36-Month CD

3.55%

$1,000

Kendall Bank

6-Month CD

3.50%

$1,000

Harrison County Bank

48-Month CD

3.50%

$1,000

First Internet Bank of Indiana

48-Month CD

3.45%

$1,000

Bank of Washington

36-Month CD

3.45%

$500

State Bank Spirit Lake, IA

9-Month CD

3.31%

$1,000

First Internet Bank of Indiana

24-Month CD

3.30%

$1,000

The Peoples S&L Co.

18-Month CD

3.29%

$1,000

Bank of Old Monroe

36-Month CD

3.28%

$1,000

The Bank of Tescott

48-Month CD

3.26%

$1,000

CNB Bank Berkeley Springs, WV

18-Month CD

3.25%

$500

Consumers National Bank

25-Month CD

3.25%

$1,000

Woodruff Federal S&L

24-Month CD

3.14%

$1,000

Machias Savings Bank

60-Month CD

2.80%

$500

Primary Bank

48-Month CD

2.50%

$1,000

Gateway Bank Mendota Heights, MN

60-Month CD

2.40%

$1,000

Clarion County Community Bank

60-Month CD

2.20%

$500

Madison County Bank

24-Month CD

1.70%

$500

Milton Savings Bank

60-Month CD

1.50%

$500

Second Federal S&L

Money Market

1.25%

$100

Monroe Savings Bank

Money Market

0.75%

$500

Everett Co-operative Bank

18-Month CD

0.65%

$500

Riverside Bank of Dublin

Money Market

0.50%

$2,500

FNB of Nevada, Missouri

60-Month CD

0.50%

$1,000

Altoona First Savings Bank

36-Month CD

0.45%

$1,000

Spencer Savings Bank

24-Month CD

0.35%

$1,000

USB Union Savings Bank

18-Month CD

0.35%

$1,000

First Bank Waverly, IA

Money Market

0.30%

$5,000

State Bank Freeport, IL

18-Month CD

0.25%

$1,000

OBC Bank

36-Month CD

0.25%

$1,000

First Community Bank of Hillsboro

12-Month CD

0.20%

$1,000

PyraMax Bank

18-Month CD (Homebuyers)

0.20%

$100

American Savings Bank, FSB

12-Month CD

0.20%

$1,000

Wells River Savings Bank

3-Month CD

0.15%

$200

National Bank of Coxsackie

6-Month CD

0.10%

$500

Union Bank Morrisville, VT

Money Market

0.10%

$1,000

Greenville National Bank

Savings

0.05%

$100

Coffee County Bank

#1 Money Market

0.05%

$1,000

Greenville Federal

Performance Interest Checking

0.05%

$1,500

Reading Co-op Bank

Savings

0.05%

$10

Haverhill Bank

NOW Checking

0.05%

$10

PSB Provident Savings Bank

Money Market Plus

0.01%

$2,500

The Harrison B&L Assoc.

Money Market

0.01%

$50

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

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

Website: https://www.firstscotia.com

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

Financial Health & Assets

Total Assets:

$653,342,000

Total Deposits:

$590,760,000

Equity Capital:

$52,260,000

Net Income:

$1,251,000

Return on Assets (ROA):

0.7495%

Return on Equity (ROE):

10.9400%

Headquarters:

Scotia

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

IOPb

★★★★★

December 17, 2025

qkry

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for FNB of Scotia

Frequently Asked Questions About FNB of Scotia

Is FNB of Scotia a safe place to deposit money?

Yes, FNB of Scotia is considered a safe financial institution. With a Texas Ratio of 8.71%, 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 FNB of Scotia operate?

FNB of Scotia currently maintains approximately 10 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, FNB of Scotia 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, FNB of Scotia provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Scotia offer online and mobile banking?

Most modern institutions like FNB of Scotia 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.firstscotia.com.