What are the current interest rates at Genesee Regional Bank?

Current rates for Genesee Regional Bank include: MMA: 1.00%

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Genesee Regional Bank Rates & Review October 2026

Q: How many branches does Genesee Regional Bank operate?

Genesee Regional Bank currently maintains approximately 3 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, Genesee Regional 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Genesee Regional Bank's top rates as of October 14, 2026 are 1.00% APY on money market accounts, 3.00% APY on checking, and personal loans from 9.00% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Genesee Regional Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.91%. Rates last updated and verified on 10/14/2026.

Genesee Regional 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 Genesee Regional Bank? Share your experience about Genesee Regional Bank by leaving a review below, or read customer reviews before you decide to use Genesee Regional Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.91%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Genesee Regional Bank

1850 Winton Rd S
Rochester, NY 14618

https://www.grbbank.com

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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.

Genesee Regional Bank Money Market Rates

Product	Rate	APY
Elite Money Market	1.00%	1.00%
Min Balance $500,000 Details Balance: $500,000 and over; Min. Balance to Obtain APY: No minimum required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Elite Money Market	0.80%	0.80%
Min Balance $250,000 Details Balance: $250,000 - 499,999.99; Min. Balance to Obtain APY: No minimum required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Elite Money Market	0.65%	0.65%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Min. Balance to Obtain APY: No minimum required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Elite Money Market	0.55%	0.55%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Min. Balance to Obtain APY: No minimum required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Elite Money Market	0.40%	0.40%
Min Balance $0 Details Balance: $0 - $49,999.99; Min. Balance to Obtain APY: No minimum required Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%

Genesee Regional Bank Checking Rates

Product	Rate	APY
Elite Checking	-	3.00%
Min Balance $0 Details Qualifications Required; Qualifying balance up to $15,000.00 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Reward Checking	-	3.00%
Min Balance $0 Details Qualifications Required; Balance: $0.01 - $15,000.00; Earn 3.00% APY on balances from $0.01 to $15,000.00 with 12 or more transactions posted and cleared per calendar month; Earn 0.03% APY on balances over $15,000.00 and on all balances when qualifications are not met Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%

Genesee Regional Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New boats, campers, and RVs - Deposit Relationship Loan	-	9.50%	12 - 60 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
New boats, campers, and RVs - Deposit Relationship Loan	-	9.50%	61 - 72 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
New boats, campers, and RVs - Deposit Relationship Loan	-	9.75%	73 - 120 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
New boats, campers, and RVs Loan	-	10.50%	12 - 60 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 9.25% → 10.50% ▲ 1.25 pts · high 10.50% / low 9.25% Sep 27, 202610.50%▲ from 9.25% Sep 15, 20269.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
New boats, campers, and RVs Loan	-	10.50%	61 - 72 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 9.50% → 10.50% ▲ 1.00 pts · high 10.50% / low 9.50% Sep 27, 202610.50%▲ from 9.50% Sep 15, 20269.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers and RVs - Deposit Relationship Loan	-	10.50%	61 - 72 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers, and RVs - Deposit Relationship Loan	-	10.50%	12 - 60 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
New boats, campers, and RVs Loan	-	10.75%	73 - 120 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.00% → 10.75% ▲ 0.75 pts · high 10.75% / low 10.00% Sep 27, 202610.75%▲ from 10.00% Sep 15, 202610.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers and RVs - Deposit Relationship Loan	-	10.75%	73 - 120 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers and RVs Loan	-	11.50%	61 - 72 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.50% → 11.50% ▲ 1.00 pts · high 11.50% / low 10.50% Sep 27, 202611.50%▲ from 10.50% Sep 15, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers, and RVs Loan	-	11.50%	12 - 60 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.25% → 11.50% ▲ 1.25 pts · high 11.50% / low 10.25% Sep 27, 202611.50%▲ from 10.25% Sep 15, 202610.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Used boats, campers and RVs Loan	-	11.75%	73 - 120 months
Details Loan Amount: $2,000 - $100,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 11.00% → 11.75% ▲ 0.75 pts · high 11.75% / low 11.00% Sep 27, 202611.75%▲ from 11.00% Sep 15, 202611.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%

Genesee Regional Bank Personal Loan Rates

Product	APR	Term
Personal Unsecured Line of Credit - With Deposit Relationship	9.00%	3 year
Details Term: 3 year draw/3 year term; Loan Amount: $73,401 - $250,000; Rate: Prime + 2.00%; Deposit Relationship: payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal Unsecured Line of Credit - With Deposit Relationship	10.00%	3 year
Details Term: 3 year draw/3 year term; Loan Amount: $2,000 - $73,400; Rate: Prime + 3.00%; Deposit Relationship: payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal unsecured - Deposit Relationship Loan	10.75%	12 - 36 months
Details APR w/Deposit Relationship; Loan Amount: $73.401 - $250,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 10.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal Unsecured Line of Credit	11.00%	3 year
Details Term: 3 year draw/3 year term; Loan Amount: $2,000 - $73,400; Rate: Prime + 4.00% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 11.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal unsecured Loan	11.75%	12 - 36 months
Details Loan Amount: $73.401 - $250,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 10.50% → 11.75% ▲ 1.25 pts · high 11.75% / low 10.50% Sep 27, 202611.75%▲ from 10.50% Sep 15, 202610.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Home Improvement unsecured loan - Deposit Relationship	13.75%	12 - 60 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $25,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal unsecured - Deposit Relationship Loan	13.75%	12-36 months
Details APR w/Deposit Relationship; Loan Amount: $2,000 - $73,400 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Home Improvement unsecured loan	14.75%	12 - 60 months
Details Loan Amount: $2,000 - $25,000 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 13.50% → 14.75% ▲ 1.25 pts · high 14.75% / low 13.50% Sep 27, 202614.75%▲ from 13.50% Sep 15, 202613.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%
Personal unsecured Loan	14.75%	12-36 months
Details Loan Amount: $2,000 - $73,400 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 13.50% → 14.75% ▲ 1.25 pts · high 14.75% / low 13.50% Sep 27, 202614.75%▲ from 13.50% Sep 15, 202613.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.91%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Genesee Regional Bank’s Texas Ratio rose from 2.09% in Q3 2023 to 3.91% 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 4.8 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	$1.3B	3.91%	5.0	A+
March 31, 2026	$1.3B	4.12%	5.0	A+
December 31, 2025	$1.3B	4.42%	5.0	A+
September 30, 2025	$1.3B	5.27%	5.0	A+
June 30, 2025	$1.3B	5.81%	5.0	A+
March 31, 2025	$1.3B	0.51%	5.0	A+
December 31, 2024	$1.2B	0.95%	5.0	A+
September 30, 2024	$1.2B	0.54%	5.0	A+
June 30, 2024	$1.2B	0.67%	5.0	A+
March 31, 2024	$1.2B	0.85%	5.0	A+
December 31, 2023	$1.1B	0.85%	5.0	A+
September 30, 2023	$1.1B	2.09%	4.8	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 Genesee Regional 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 Genesee Regional 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 Genesee Regional Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Genesee Regional Bank

Bank Holding Company GREATER ROCHESTER BCORP INC

Address 1850 Winton Rd S, Rochester, NY 14618 · Monroe

Website https://www.grbbank.com

FDIC Certificate # 26333

Established 19850812

FDIC Insurance Date 19850812

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.91%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5358%

Return on Equity (ROE) 16.6900%

Non-Performing Loans (NPL) 0.41%

Total Assets $1,309,654,000

Total Deposits $1,075,736,000

Equity Capital $125,003,000

Net Income $10,067,000

Headquarters Rochester

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Genesee Regional Bank earned the Verified Healthy badge

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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Genesee Regional Bank

How many branches does Genesee Regional Bank operate?

Genesee Regional Bank currently maintains approximately 3 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, Genesee Regional 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, Genesee Regional Bank provides members with tools to manage their accounts and build a solid financial history.

Does Genesee Regional Bank offer online and mobile banking?

Most modern institutions like Genesee Regional 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.grbbank.com.