What are the current interest rates at M&T Bank?

Current rates for M&T Bank include:

M&T Bank Rates and Review February 2026

Q: Is M&T Bank a safe place to deposit money?

Yes, M&T Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Content reviewed by

Brian McKay

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M&T Bank Deposit Rates

You can compare M&T Bank rates to other rates in our database, including 12-month CD rates currently at 3.40%, 6-month CD rates at 0.76% and 3-month CD rates at 0.75%. Savings rates are at 0.20% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 5.67%. All these rates, and more, can be found in our database of rates which you can compare to M&T Bank rates.

Rate Updates and Availability

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

M&T Bank Texas Ratio

M&T Bank's Texas Ratio is at 17.62%, which is considered good. The Texas Ratio for M&T Bank 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.

MonitorBankRates Rating

4.8

Excellent

Out of 5.0 Stars

M&T Bank has earned a Smart Rating of 4.8 out of 5 stars. 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.

Overall, M&T Bank is a excellent bank worth considering, with an overall rating of 4.8 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

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.

M&T Bank

1 M And T Plz
Buffalo, NY 14203

https://www3.mtb.com

MonitorBankRates

Official Financial Rating

4.8

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have M&T Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for M&T 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 M&T 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 M&T Bank's official website for the most current offers and terms.