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iAdvertiser Disclosure
Greene County Commercial Bank Rates & Review August 2026
Content reviewed by
Brian McKay
|
iEditorial Disclosure
|
✓Fact Checked
|
Rates Last Updated and Verified: August 28, 2026
Greene County Commercial Bank's 5 years 5-Star CD rates are at 3.35%, 5 Year 5-STAR CD - Relationship CD rates are at 3.35%, 1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT - Relationship CD rates are at 3.25%, 5-Months 5-Month CD rates are at 3.00%, 1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT rates are at 3.00%. Greene County Commercial Bank's savings rates are at 0.05%. Greene County Commercial Bank's money market rates are at 0.01%. Greene County Commercial Bank's 10/1 Adjustable Rate Mortgage rates are at 6.12%, 10/1 ARM rates are at 6.12%, 5/1 Adjustable Rate Mortgage rates are at 5.88%, 5/1 ARM rates are at 5.88%, 10/1 Adjustable Rate Mortgage rates are at 6.38%. Greene County Commercial Bank's Personal Loan Rates are at 13.49%. MonitorBankRates evaluates the financial stability of Greene County Commercial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 08/28/2026.
Greene County Commercial 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 Greene County Commercial Bank? Share your experience about Greene County Commercial Bank by leaving a review below, or read customer reviews before you decide to use Greene County Commercial Bank.
Overall Health & Safety Grade
?
A+
Exceptional Health
Score: 100/100
MonitorBankRates Rating
?
5.0
Exceptional
Out of 5.0 Stars
Texas Ratio
?
0.00%
Perfect
Lower than avg
| Product |
Rate |
APY |
Term |
View More |
| 5-Star CD |
- |
3.35%
|
5 years |
|
Min Deposit
$1,000
Details
With active checking account, and a bonus of $500 (deposit of $100,000 or more) or $250 (deposit of $50,000 to $99,999). Relationship Certificates must be accompanied by an active checking account. An active account is one that completes 3 or more transactions per month.
Last Updated
08/28/2026
|
| 5-STAR CD - Relationship CD |
3.25% |
3.35%
|
5 Year |
|
Details
with active checking account*
Last Updated
08/28/2026
|
| 1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT - Relationship CD |
3.15% |
3.25%
|
1 Year |
|
Details
with active checking account*
Last Updated
08/28/2026
|
| 5 Month CD |
- |
3.00%
|
5 months |
|
Min Deposit
$1,000
Details
Guaranteed interest rate with active checking account. Relationship Certificates must be accompanied by an active checking account. An active account is one that completes 3 or more transactions per month.
Last Updated
08/28/2026
|
| 1 Year CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT |
2.92% |
3.00%
|
1 Year |
|
No additional details.
Last Updated
08/28/2026
|
| 5 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT - Relationship CD |
2.92% |
3.00%
|
5 Month |
|
Details
with active checking account*
Last Updated
08/28/2026
|
| 5-STAR CD |
2.77% |
2.85%
|
5 Year |
|
No additional details.
Last Updated
08/28/2026
|
| 5-STAR CD 5 Year |
2.77% |
2.85%
|
5 Year |
|
No additional details.
Last Updated
08/28/2026
|
| 5 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT |
2.44% |
2.50%
|
5 Month |
|
No additional details.
Last Updated
08/28/2026
|
| 20 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT |
0.34% |
0.35%
|
20 Month |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 2 1/2 Year |
0.34% |
0.35%
|
2 1/2 Year |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 2 Year |
0.34% |
0.35%
|
2 Year |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 3 Year |
0.34% |
0.35%
|
3 Year |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 4 Year |
0.34% |
0.35%
|
4 Year |
|
No additional details.
Last Updated
08/28/2026
|
| 15 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT |
0.30% |
0.30%
|
15 Month |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 18 Month |
0.30% |
0.30%
|
18 Month |
|
No additional details.
Last Updated
08/28/2026
|
| 6 Month CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT |
0.25% |
0.25%
|
6 Month |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 7 Month |
0.25% |
0.25%
|
7 Month |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 8 Month |
0.25% |
0.25%
|
8 Month |
|
No additional details.
Last Updated
08/28/2026
|
| CERTIFICATES OF DEPOSIT and IRA CERTIFICATES OF DEPOSIT 9 Month |
0.25% |
0.25%
|
9 Month |
|
No additional details.
Last Updated
08/28/2026
|
| 3 Year TRIPLE PROTECTION CD |
0.25% |
0.25%
|
3 Year |
|
No additional details.
Last Updated
08/28/2026
|
| Product |
Rate |
APY |
View More |
| e-BUSINESS SAVINGS |
4.88% |
5.00%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| e-SAVINGS |
4.88% |
5.00%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| e-Solution Business Savings |
- |
5.00%
|
|
Details
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Last Updated
08/28/2026
|
| e-Solution Personal Savings |
- |
5.00%
|
|
Details
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Last Updated
08/28/2026
|
| STUDENT e-NEXT GENERATION SAVINGS |
4.88% |
5.00%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| e-Holiday Savings Club |
0.12% |
0.12%
|
|
No additional details.
Last Updated
08/28/2026
|
| HOLIDAY CLUB ACCOUNT |
0.12% |
0.12%
|
|
Details
e-Holiday Savings Club
Last Updated
08/28/2026
|
| Passbook Savings Club |
0.12% |
0.12%
|
|
No additional details.
Last Updated
08/28/2026
|
| Statement Savings Club |
0.12% |
0.12%
|
|
No additional details.
Last Updated
08/28/2026
|
| Business MORE YIELD SAVINGS |
0.11% |
0.11%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| MORE YIELD SAVINGS |
0.11% |
0.11%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| RISK FREE IRA SAVINGS |
0.11% |
0.11%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| Business Passbook Savings |
0.10% |
0.10%
|
|
No additional details.
Last Updated
08/28/2026
|
| Business Statement Savings |
0.10% |
0.10%
|
|
No additional details.
Last Updated
08/28/2026
|
| Passbook Savings |
0.10% |
0.10%
|
|
No additional details.
Last Updated
08/28/2026
|
| Statement Savings |
0.10% |
0.10%
|
|
No additional details.
Last Updated
08/28/2026
|
| Business MORE YIELD SAVINGS |
0.05% |
0.05%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| e-BUSINESS SAVINGS |
0.05% |
0.05%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| e-SAVINGS |
0.05% |
0.05%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| MORE YIELD SAVINGS |
0.05% |
0.05%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| STUDENT e-NEXT GENERATION SAVINGS |
0.05% |
0.05%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| Product |
Rate |
APY |
View More |
| Business Money Market Accounts |
0.11% |
0.11%
|
|
Min Balance
$50,000
Last Updated
08/28/2026
|
| Money Market Accounts |
0.11% |
0.11%
|
|
Min Balance
$50,000
Last Updated
08/28/2026
|
| Business Money Market Accounts |
0.05% |
0.05%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| Money Market Accounts |
0.05% |
0.05%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| Business Money Market Accounts |
0.01% |
0.01%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| Money Market Accounts |
0.01% |
0.01%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| Product |
Rate |
APY |
View More |
| e-Lightning Checking |
- |
5.00%
|
|
Min Balance
$500
Details
Qualifications Required: Direct deposit required; Qualifying balance up to $500.00. Direct deposit required to receive $300 in Greene Rewards points. Direct deposit transaction includes payroll and must begin within the first 90 days of account opening to receive the bonus offer. $25 in Greene Rewards points will be awarded to your enrolled Bank of Greene County Visa® Debit Card for 12 months as long as direct deposit continues. Balances over $500 earn a blended rate of 4.99% to 0.05%. Fees may reduce earnings.
Last Updated
08/28/2026
|
| e-Solution Business Checking |
- |
5.00%
|
|
Details
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Last Updated
08/28/2026
|
| e-Solution Personal Checking |
- |
5.00%
|
|
Details
Balance for APY is blended and may range from 0.05% to 5.00%. Balance of $1-$500 earns 5.00% APY; balances over $500 earn 0.05% APY. Fees may reduce earnings. Gift is awarded when account is opened. We reserve the right to substitute a gift of similar value.
Last Updated
08/28/2026
|
| FREE e-BUSINESS CHECKING ACCOUNT |
4.89% |
5.00%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| FREE e-CHECKING ACCOUNT |
4.89% |
5.00%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| PREMIERE CHECKING ACCOUNT |
0.11% |
0.11%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| ULTIMATE CHECKING ACCOUNT |
0.11% |
0.11%
|
|
Min Balance
$25,000
Last Updated
08/28/2026
|
| NIFTY-FIFTY CHECKING ACCOUNT |
0.10% |
0.10%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| FREE e-BUSINESS CHECKING ACCOUNT |
0.05% |
0.05%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| FREE e-CHECKING ACCOUNT |
0.05% |
0.05%
|
|
Min Balance
$0
Last Updated
08/28/2026
|
| PREMIERE CHECKING ACCOUNT |
0.05% |
0.05%
|
|
Min Balance
$10,000
Last Updated
08/28/2026
|
| ULTIMATE CHECKING ACCOUNT |
0.05% |
0.05%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| PREMIERE CHECKING ACCOUNT |
0.01% |
0.01%
|
|
Min Balance
$1
Last Updated
08/28/2026
|
| Product |
Rate |
Points |
APR |
Term |
View More |
| 10/1 Adjustable Rate Mortgage |
6.13% |
0.00% |
6.63%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 2.75%
Last Updated
08/28/2026
|
| 10/1 ARM |
6.13% |
0.00% |
6.63%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 2.75%
Last Updated
08/28/2026
|
| 5/1 Adjustable Rate Mortgage |
5.88% |
0.00% |
6.71%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%
Last Updated
08/28/2026
|
| 5/1 ARM |
5.88% |
0.00% |
6.71%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 11.875%; Margin: 2.75%
Last Updated
08/28/2026
|
| 10/1 Adjustable Rate Mortgage |
6.38% |
0.00% |
6.89%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.375%; Margin: 3.00%
Last Updated
08/28/2026
|
| 10/1 ARM |
6.38% |
0.00% |
6.89%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.375%; Margin: 3.00%
Last Updated
08/28/2026
|
| 5/1 Adjustable Rate Mortgage |
6.13% |
0.00% |
6.97%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%
Last Updated
08/28/2026
|
| 5/1 ARM |
6.13% |
0.00% |
6.97%
|
|
|
Details
Cap Per Adj: 1.50%; Lifetime Cap: 12.125%; Margin: 3.00%
Last Updated
08/28/2026
|
| Product |
Rate |
Points |
APR |
Term |
View More |
| Faster-Finish Fixed Home Equity Loan |
- |
- |
5.99%
|
10 years |
|
Details
Receive a bonus of $100 in Greene Rewards points at closing. Promotional rate on your loan is offered on the condition that you maintain a checking account so that the payment is deducted. Auto debit is required for promotional rate. No other discounts apply. To qualify for this option, loan must result in a first-lien position or the existing mortgage on the subject property must be with the Bank of Greene County. Mandatory NYS mortgage tax required. Minimum loan amount is $10,000. Maximum loan to value of 80%, appraisal required. Rate applies to 1-and 2-family homes, owner occupied. Other rates and terms are available. Payments are $11.10 per thousand for 120 monthly payments. Payments do not include taxes and insurance which will increase payment obligation. Title insurance may be required; premium to be paid by borrower. Subject to credit approval. Rates and terms are subject to change without notice. Second-lien home equity loans and home equity lines also available; call for rates and terms. $75,000 in new money from the Bank of Greene County is required to receive the $100 reward points bonus. Owner must have an active checking account and Bank of Greene County debit card to receive the $100 reward points bonus. Reward points will be issued within 90 days of the loan closing and posted to the customer's Greene Rewards account. Limit one offer per household. Bank may discontinue this offer at any time without notice.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
5.99% |
- |
5.99%
|
10-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
5.99% |
- |
6.01%
|
5-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
6.24% |
- |
6.24%
|
10-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
6.24% |
- |
6.26%
|
5-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
6.75% |
- |
6.76%
|
15-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
7.00% |
- |
7.01%
|
15-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
8.25% |
- |
9.23%
|
10-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
7.50% |
- |
9.25%
|
5-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
8.75% |
- |
9.47%
|
15-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
8.50% |
- |
9.49%
|
10-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
7.75% |
- |
9.52%
|
5-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Home Equity Loans - Fixed Rate |
9.00% |
- |
9.73%
|
15-year term |
|
No additional details.
Last Updated
08/28/2026
|
| Product |
Rate |
Points |
APR |
Term |
View More |
| New Auto |
5.99% |
- |
5.99%
|
12-66 Months |
|
Details
New Auto - Year 2025-2026
Last Updated
08/28/2026
|
| New Auto - Year 2025-2026 12-66 Months |
5.99% |
- |
5.99%
|
66 Months |
|
No additional details.
Last Updated
08/28/2026
|
| New Auto |
6.49% |
- |
6.49%
|
12-66 Months |
|
Details
New Auto - Year 2025-2026
Last Updated
08/28/2026
|
| New Auto - Year 2025-2026 12-66 Months |
6.49% |
- |
6.49%
|
66 Months |
|
No additional details.
Last Updated
08/28/2026
|
| Used Auto |
6.50% |
- |
6.50%
|
12-60 Months |
|
Details
Used Auto - 2017-2026: Maximum term 60 months
Last Updated
08/28/2026
|
| Used Auto - 2017-2026: Maximum term 60 months 12-60 Months |
6.50% |
- |
6.50%
|
60 Months |
|
No additional details.
Last Updated
08/28/2026
|
| Used Auto |
7.00% |
- |
7.00%
|
12-60 Months |
|
Details
Used Auto - 2017-2026: Maximum term 60 months
Last Updated
08/28/2026
|
| Used Auto - 2017-2026: Maximum term 60 months 12-60 Months |
7.00% |
- |
7.00%
|
60 Months |
|
No additional details.
Last Updated
08/28/2026
|
| Product |
Rate |
APR |
View More |
| Unsecured Personal Loan |
13.49% |
13.49%
|
|
Details
13.99%
Last Updated
08/28/2026
|
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Greene County Commercial 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 Greene County Commercial 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 Greene County Commercial Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Greene County Commercial Bank
Bank Holding Company
GREENE COUNTY BCORP MHC
Address
425 Main St,
Catskill, NY 12414 · Greene
FDIC Certificate #
57710
Established
05/20/2004
FDIC Insurance Date
05/20/2004
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & Assets
A+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.3498%
Return on Equity (ROE)
4.8200%
Non-Performing Loans (NPL)
0.00%
Total Assets
$1,304,624,000
Total Deposits
$1,187,377,000
Equity Capital
$116,985,000
Net Income
$10,676,000
Headquarters
Catskill
Total Branches and Offices
1
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Greene County Commercial Bank
How many branches does Greene County Commercial Bank operate?
Greene County Commercial Bank currently maintains approximately 1 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, Greene County Commercial 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, Greene County Commercial Bank provides members with tools to manage their accounts and build a solid financial history.
Does Greene County Commercial Bank offer online and mobile banking?
Most modern institutions like Greene County Commercial 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.tbogc.com.
Current Greene County Commercial Bank Rates
- 12-Month CD3.25%
- 18-Month CD0.30%
- 24-Month CD0.35%
- 36-Month CD0.25%
- 48-Month CD0.35%
- 60-Month CD3.35%
- Savings0.05%
- MMA0.01%
Retrieved from our database of financial products. Rates subject to change.
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