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iAdvertiser Disclosure
Advertiser Disclosure
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 FNB of Scotia Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: September 6, 2026
FNB of Scotia's 9-Months 9-Month CD Special rates are at 3.75%, 9-Months Relationship /New Money Special - 9-Month CD and IRA rates are at 3.75%, 60-Month Certificates and IRA rates are at 2.97%, 48-Month Certificates and IRA rates are at 2.94%, 36-Month Certificates and IRA rates are at 2.90%. FNB of Scotia's savings rates are at 0.15%. FNB of Scotia's money market rates are at 0.85%. FNB of Scotia's 5/1 ARM rates are at 5.50%, Adjustable Mortgage Rates - 5/1 ARM rates are at 5.50%, 7/1 ARM rates are at 6.12%, Adjustable Mortgage Rates - 7/1 ARM rates are at 6.12%, 10/1 ARM rates are at 6.50%. FNB of Scotia's Personal Loan Rates are at 6.00%. MonitorBankRates evaluates the financial stability of FNB of Scotia with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.34%. Rates last updated and verified on 09/06/2026. 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 CD Rates
FNB of Scotia Savings Rates
FNB of Scotia Money Market Rates
FNB of Scotia Checking Rates
FNB of Scotia Mortgage Rates
FNB of Scotia Home Equity & HELOC
FNB of Scotia Personal Loan Rates
Financial Health HistoryFNB of Scotia’s Texas Ratio rose from 8.63% in Q3 2023 to 11.34% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the amber line marks the 15% level a bank must stay under to qualify 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 Grade15% Verified Healthy threshold
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for FNB of Scotia 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 FNB of Scotia 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 FNB of Scotia's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
FNB of Scotia
Bank Holding Company
GLENVILLE BANK HOLDING CO INC
Address
201 Mohawk Ave,
Scotia, NY 12302 · Schenectady
Website
https://www.firstscotia.com
FDIC Certificate #
11501
Established
19230101
FDIC Insurance Date
19340101
Domestic Offices
10
Total Branches
10
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
11.34%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7370%
Return on Equity (ROE)
7.7800%
Non-Performing Loans (NPL)
1.08%
Total Assets
$719,046,000
Total Deposits
$631,996,000
Equity Capital
$68,167,000
Net Income
$2,609,000
Headquarters
Scotia
Total Branches and Offices
10
Source: FDIC | Last Updated 06/30/2026
Customer ReviewsIOPb
December 17, 2025
qkry
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Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for FNB of Scotia
Frequently Asked Questions About FNB of ScotiaHow 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. Current FNB of Scotia Rates
Retrieved from our database of financial products. Rates subject to change.
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