What are the current interest rates at Blue Ridge Bank National Association?

Current rates for Blue Ridge Bank National Association include: 12-Month CD: 1.70%, 18-Month CD: 1.90%, 24-Month CD: 1.30%, 36-Month CD: 1.35%, 48-Month CD: 1.40%, 60-Month CD: 1.45%, Savings: 0.10%, MMA: 3.56%

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Blue Ridge Bank National Association Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Ridge Bank National Association 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

Blue Ridge Bank National Association's top rates as of October 14, 2026 are 4.10% APY on its 30-Months 30-Month Golden Advantage Certificate of Deposits and Specials, 0.10% APY on savings, 3.56% APY on money market accounts, and 3.07% APY on checking, according to rates verified by MonitorBankRates. Other Blue Ridge Bank National Association CD rates include 12-Months 12-Month Golden Advantage Certificate of Deposits and Specials at 4.05%, 23-Months 23-Month Certificate of Deposit Specials at 4.05%, and 10-Months 10-Month Certificate of Deposit Specials at 4.00%. MonitorBankRates evaluates the financial stability of Blue Ridge Bank National Association with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.11%. Rates last updated and verified on 10/14/2026.

Blue Ridge Bank National Association 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 Blue Ridge Bank National Association? Share your experience about Blue Ridge Bank National Association by leaving a review below, or read customer reviews before you decide to use Blue Ridge Bank National Association.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.11%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Blue Ridge Bank, National Association

1 E Market St
Martinsville, VA 24112

https://www.mybrb.bank

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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.

Blue Ridge Bank National Association CD Rates

Product	Rate	APY	Term
30 Month Golden Advantage Certificate of Deposits and Specials	4.04%	4.10%	30 months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
12 Month Golden Advantage Certificate of Deposits and Specials	3.99%	4.05%	12 months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
23 Month Certificate of Deposit Specials	3.99%	4.05%	23 Months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 14, 20264.05%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
10 Month Certificate of Deposit Specials	3.94%	4.00%	10 Months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 14, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
15 Month Certificate of Deposit Specials	3.94%	4.00%	15 Months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 14, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
5 Month Certificate of Deposit Specials	3.71%	3.75%	5 Months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
60 Month Golden Advantage Certificate of Deposits and Specials	1.49%	1.50%	60 months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
48 Month Golden Advantage Certificate of Deposits and Specials	1.44%	1.45%	48 months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
36 Month Golden Advantage Certificate of Deposits and Specials	1.39%	1.40%	36 months
Min Balance $1,000 Details Limited time offer; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Business CD Rates

Product	Rate	APY	Term
13 - 17 Month Business Certificates of Deposit	1.89%	1.90%	13 - 17 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
12 Month Business Certificates of Deposit	1.79%	1.80%	12 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
7 - 11 Month Business Certificates of Deposit	1.69%	1.70%	7 - 11 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.70% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
6 Month Business Certificates of Deposit	1.59%	1.60%	6 Month
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
3 - 5 Month Business Certificates of Deposit	1.49%	1.50%	3 - 5 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
60 Month Business Certificates of Deposit	1.49%	1.50%	60 Months and Longer
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
48 - 59 Month Business Certificates of Deposit	1.44%	1.45%	48 - 59 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.45% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
36 - 47 Month Business Certificates of Deposit	1.39%	1.40%	36 - 47 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
24 - 35 Month Business Certificates of Deposit	1.34%	1.35%	24 - 35 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
18 - 23 Month Business Certificates of Deposit	1.29%	1.30%	18 - 23 Months
Min Balance $1,000 Details Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Savings Rates

Product	Rate	APY
Health Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details APYs accurate as of 4/1/2025; Minimum balance to open and to obtain APY is $100 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Personal Savings	0.10%	0.10%
Min Deposit $100 Details APY accurate and effective as of 03/01/2025; Minimum balance to open is $100 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Youth Savings	0.10%	0.10%
Min Deposit $10 Details APYs accurate and effective as of 03/01/2025; rate subject to change Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.10%	0.10%
Min Deposit $500 Min Balance $500 Details Balance: $500.00; Minimum balance to open is $500.00; APY accurate as of 03/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Money Market Rates

Product	Rate	APY
Personal Money Market Account Special	3.50%	3.56%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 and Greater; Promotional APY for new money only; promotional period runs 12 months from account opening; minimum balance to obtain promotional APY stated as $1,000,000.00 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30% Oct 2, 20263.56%▲ from 3.56% Sep 27, 20263.56%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Platinum Money Market	3.15%	3.20%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum balance to obtain interest is $25,000; offer for new money not currently on deposit with Blue Ridge Bank; APY accurate as of 11/19/24 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Signature Money Market	3.15%	3.20%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000.00 and Greater; Offer is for new money not currently on deposit with Blue Ridge Bank Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Signature Money Market	3.01%	3.05%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99; Offer is for new money not currently on deposit with Blue Ridge Bank Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Money Market	2.83%	2.87%
Min Balance $2,500 Details Balance: $2,500.00; Minimum balance to open is $2,500.00; APY accurate and effective as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.87% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Business Money Market Rates

Product	Rate	APY
Business Money Market Account Special	3.50%	3.56%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and Greater; Promotional APY for new money only; promotional period runs 6 months from account opening; minimum balance to obtain promotional APY is $100,000.00; APY accurate as of 9/22/2026 Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30% Oct 2, 20263.56%▲ from 3.56% Sep 27, 20263.56%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	2.93%	2.97%
Min Deposit $2,500 Min Balance $3,000,000 Details Balance: $3,000,000.00 - $4,999,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.97% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	2.73%	2.77%
Min Deposit $2,500 Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,999,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.77% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	2.54%	2.57%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.57% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	2.20%	2.22%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.22% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	2.00%	2.02%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.02% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	1.50%	1.52%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.52% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Business Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 - $24,999.99; APY accurate as of 12/11/2025 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Checking Rates

Product	Rate	APY
Golden Advantage Checking	3.03%	3.07%
Min Balance $5,000,000 Details Balance: $5,000,000.00 and Greater Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 2.52% → 3.07% ▲ 0.55 pts · high 3.56% / low 2.52% Oct 14, 20263.07%▼ from 3.56% Oct 2, 20263.56%▲ from 3.56% Sep 27, 20263.56%▲ from 3.30% Sep 24, 20263.30%▲ from 2.52% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.78%	2.82%
Min Balance $3,000,000 Details Balance: $3,000,000.00 - $4,999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.52% → 2.82% ▲ 0.30 pts · high 2.82% / low 2.52% Oct 14, 20262.82%▲ from 2.52% Sep 18, 20262.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.58%	2.62%
Min Balance $1,000,000 Details Balance: $1,000,000.00 - $2,999,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.52% → 2.62% ▲ 0.10 pts · high 2.62% / low 2.52% Oct 14, 20262.62%▲ from 2.52% Sep 18, 20262.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.49%	2.52%
Min Balance $250,000 Details Balance: $250,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.49%	2.52%
Min Balance $1,000,000 Details Balance: $1,000,000 and Greater Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.39%	2.42%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.39%	2.42%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.42% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	2.05%	2.07%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.52% → 2.07% ▼ 0.45 pts · high 2.52% / low 2.07% Oct 14, 20262.07%▼ from 2.52% Sep 18, 20262.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	1.85%	1.87%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 2.42% → 1.87% ▼ 0.55 pts · high 2.42% / low 1.87% Oct 14, 20261.87%▼ from 2.42% Sep 18, 20262.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
First Honor Checking	1.50%	1.51%
Min Deposit $50 Min Balance $1,000 Details Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 1/1/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	1.36%	1.37%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 1.37% ▲ 0.12 pts · high 1.37% / low 1.25% Oct 14, 20261.37%▲ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	1.25%	1.25%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.75%	0.75%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.25%	0.25%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.075%	0.076%
Min Balance $50,000 Details Balance: $50,000.00 and Greater Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.25% → 0.08% ▼ 1.17 pts · high 1.25% / low 0.08% Oct 14, 20260.08%▼ from 1.25% Sep 18, 20261.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 0.05% ▼ 0.45 pts · high 0.50% / low 0.05% Oct 14, 20260.05%▼ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 1.00% → 0.05% ▼ 0.95 pts · high 1.00% / low 0.05% Oct 14, 20260.05%▼ from 1.00% Sep 18, 20261.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Golden Advantage Checking	0.025%	0.03%
Min Balance $0 Details Balance: $0.00 - $2,499.99 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 0.25% → 0.03% ▼ 0.22 pts · high 0.25% / low 0.03% Oct 14, 20260.03%▼ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

Blue Ridge Bank National Association Other Rates

Product	Rate	Points	APY/APR	Term
Certificate of Deposit Specials - 10 Months	3.94%	-	4.00%	10 Months
Min Balance $1,000 Details Limited time offer; early withdrawal fee may apply; APY accurate as of 09/28/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 14, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Certificate of Deposit Specials - 15 Months	3.94%	-	4.00%	15 Months
Min Balance $1,000 Details Limited time offer; early withdrawal fee may apply; APY accurate as of 09/28/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 14, 20264.00%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Certificate of Deposit Specials - 23 Months	3.99%	-	4.05%	23 Months
Min Balance $1,000 Details Limited time offer; early withdrawal fee may apply; APY accurate as of 09/28/2026 Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 4.05% ▲ 0.30 pts · high 4.05% / low 3.75% Oct 14, 20264.05%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Certificate of Deposit Specials - 5 Months	3.71%	-	3.75%	5 Months
Min Balance $1,000 Details Limited time offer; early withdrawal fee may apply; APY accurate as of 09/28/2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Charitable Account	0.10%	-	0.10%
Min Deposit $500 Details Charitable Checking; APY accurate and effective as of 03/01/2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Commercial Reserve	3.75%	-	3.82%
Min Balance $100 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.82% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Kasasa Cash Checking	4.41%	-	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $15,000.99; Qualifying balance up to $15,000.99; APY accurate as of 4/1/2025; Rates may change after account is opened Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 4.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Kasasa Saver Golden Advantage Checking Savings	2.96%	-	3.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $100,000.99; Kasasa Saver APY tied to Kasasa Cash qualifications; Rates may change after account is opened Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%
Kasasa Saver Savings	2.96%	-	3.00%
Min Deposit $100 Details Qualifications Required: Kasasa Cash qualifications met each monthly qualification cycle; Balance: $0.01 - $100,000.99; Qualifying Kasasa Cash transactions required each monthly qualification cycle; APY 3.00% applies to balances up to $100,000.99 when qualifications are met Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 0.01% → 3.00% ▲ 2.99 pts · high 3.00% / low 0.01% Oct 14, 20263.00%▲ from 0.01% Oct 7, 20260.01%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.11%

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.
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Financial Health History

Blue Ridge Bank National Association’s Texas Ratio fell from 41.33% in Q3 2023 to 8.11% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.9 to 5.0 and its Health Grade from F to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay 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 limit (green zone below = healthy)

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	$2.3B	8.11%	5.0	A
March 31, 2026	$2.4B	8.81%	5.0	A
December 31, 2025	$2.4B	8.08%	5.0	A
September 30, 2025	$2.5B	7.61%	5.0	A
June 30, 2025	$2.5B	6.27%	5.0	A
March 31, 2025	$2.7B	6.56%	5.0	A
December 31, 2024	$2.7B	6.88%	5.0	A
September 30, 2024	$2.9B	8.48%	5.0	A
June 30, 2024	$2.9B	12.42%	5.0	A
March 31, 2024	$3.0B	26.02%	3.5	C-
December 31, 2023	$3.1B	30.17%	3.2	D
September 30, 2023	$3.2B	41.33%	1.9	F

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 Blue Ridge Bank National Association 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 Blue Ridge Bank National Association 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 Blue Ridge Bank National Association's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Blue Ridge Bank National Association

Bank Holding Company BLUE RIDGE BANKSHARES INC

Address 1 E Market St, Martinsville, VA 24112 · Martinsville City

Website https://www.mybrb.bank

FDIC Certificate # 35274

Established 20000724

FDIC Insurance Date 20000724

Domestic Offices 27

Total Branches 27

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0118%

Return on Equity (ROE) 0.1100%

Non-Performing Loans (NPL) 1.35%

Total Assets $2,310,031,000

Total Deposits $1,891,519,000

Equity Capital $245,757,000

Net Income $140,000

Headquarters Martinsville

Total Branches and Offices 27

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Blue Ridge Bank National Association 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/guaranty-bank-and-trust-rates-review-1208">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Blue Ridge Bank National Association

How many branches does Blue Ridge Bank National Association operate?

Blue Ridge Bank National Association currently maintains approximately 27 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, Blue Ridge Bank National Association 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, Blue Ridge Bank National Association provides members with tools to manage their accounts and build a solid financial history.

Does Blue Ridge Bank National Association offer online and mobile banking?

Most modern institutions like Blue Ridge Bank National Association 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.mybrb.bank.

Current Blue Ridge Bank National Association Rates

12-Month CD1.70%
18-Month CD1.90%
24-Month CD1.30%
36-Month CD1.35%
48-Month CD1.40%
60-Month CD1.45%
Savings0.10%
MMA3.56%

Retrieved from our database of financial products. Rates subject to change.

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Blue Ridge Bank National Association Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Blue Ridge Bank National Association Texas Ratio

Blue Ridge Bank National Association Health Trend

Blue Ridge Bank National Association CD Rates

Blue Ridge Bank National Association Business CD Rates

Blue Ridge Bank National Association Savings Rates

Blue Ridge Bank National Association Business Savings Rates

Blue Ridge Bank National Association Money Market Rates

Blue Ridge Bank National Association Business Money Market Rates

Blue Ridge Bank National Association Checking Rates

Blue Ridge Bank National Association Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Blue Ridge Bank National Association earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Blue Ridge Bank National Association

How many branches does Blue Ridge Bank National Association operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Blue Ridge Bank National Association offer online and mobile banking?

Current Blue Ridge Bank National Association Rates

Compare to Other Banks