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Manasquan Bank Rates & Review October 2026

Manasquan Bank's 2 Year Certificate rates are at 4.00%, 2 Year IRA Certificate rates are at 4.00%, 18-Month Certificate rates are at 3.80%, 18-Month IRA Certificate rates are at 3.80%, IRA 18-Month MARKET PACER rates are at 3.80%. Manasquan Bank's savings rates are at 2.25%. Manasquan Bank's money market rates are at 2.85%. Manasquan Bank's checking rates are as high as 0.10%. Manasquan Bank's 3/6 ARM (Conforming) rates are at 6.75%, 5/6 ARM (Conforming) rates are at 6.75%, 7/6 ARM (Conforming) rates are at 6.875%, 10/6 ARM (Conforming) rates are at 7.25%. MonitorBankRates evaluates the financial stability of Manasquan Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.71%. Rates last updated and verified on 10/23/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 97/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
5.71%
Excellent Lower than avg
Health Trend ?
Steady 12 quarters
Full history ›
Manasquan Bank
2221 Landmark Pl
Manasquan, NJ 08736
https://www.manasquanbank.com
MemberFDIC
Customer Reviews
3.0 ★ 1 review
Write a Review
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.

Manasquan Bank CD Rates

Product Rate APY Term View More
2 Year Certificate - 4.00% 2 years
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly; Section: CD / IRA / Education Rates
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
2 Year IRA Certificate - 4.00% 2 years
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 20, 2026: 4.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
18 Month Certificate - 3.80% 18 months
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
18 Month IRA Certificate - 3.80% 18 months
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
IRA 18 month MARKET PACER - 3.80% 18 months
Min Deposit $25
Min Balance $20
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
IRA 18 month Steady Earner - 3.80% 18 months
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 9 times
3.30%3.80%4.30%Sep 20, 2026: 3.80% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
14 Month Certificate Special - 3.75% 14 Month
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
14 Month IRA Certificate Special - 3.75% 14 months
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 20, 2026: 3.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1 Year Certificate - 3.25% 1 year
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1 Year IRA Certificate - 3.25% 1 year
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
3 Year Certificate - 3.00% 3 years
Min Deposit $500
Min Balance $500
Details Minimum balance to earn APY: $500; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
3 Year IRA Certificate - 3.00% 3 years
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
5 Year Certificate - 3.00% 5 years
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
5 Year IRA Certificate - 3.00% 5 years
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 20, 2026: 3.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
182 Day Certificate - 2.50% 182 days
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 20, 2026: 2.50% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
182 Day IRA Certificate - 2.50% 182 days
Min Deposit $500
Min Balance $500
Details Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 28, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 28, 2026: 2.50% APYSep 28, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Savings Rates

Product Rate APY View More
Signature Money Market Savings - 2.25%
Min Deposit $500
Min Balance $1,000,000
Details Balance: $1,000,000 - $5,000,000; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 20, 2026: 2.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 2.25%
Min Deposit $500
Min Balance $5,000,000
Details Balance: Greater than $5,000,000; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 20, 2026: 2.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 2.00%
Min Deposit $500
Min Balance $500,000
Details Balance: $500,000 - $999,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Young Savers - 2.00%
Min Deposit $1
Min Balance $0
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 1.75%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000 - $249,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 9 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 1.75%
Min Deposit $500
Min Balance $250,000
Details Balance: $250,000 +; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 9 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 1.75%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000 - $499,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 8 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 1.25%
Min Deposit $500
Min Balance $0
Details Balance: $0 - $99,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.45%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000 - $49,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 20, 2026: 0.45% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.45%
Min Deposit $500
Min Balance $50,000
Details Balance: $50,000 - $99,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 20, 2026: 0.45% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $500
Details Balance: $500 - $999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $1,000
Details Balance: $1,000 - $9,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $10,000
Details Balance: $10,000 - $24,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Club Savings - 0.10%
Min Deposit $5
Min Balance $0
Details Interest compounded/credited: Simple/ Maturity
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Health Savings - 0.10%
Min Deposit $1
Min Balance $0
Details Balance: $0 - $9,999; Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Health Savings - 0.10%
Min Deposit $1
Min Balance $10,000
Details Balance: $10,000 - $19,999; Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Health Savings - 0.10%
Min Deposit $1
Min Balance $20,000
Details Balance: $20,000 and over; Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Regular Savings - 0.10%
Min Deposit $10
Min Balance $20
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Money Market Rates

Product Rate APY View More
Liquid Platinum Money Market - 2.85%
Min Deposit $500
Min Balance $1,000,000
Details Balance: $1,000,000 +; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.85% APY · checked 9 times
2.35%2.85%3.35%Sep 20, 2026: 2.85% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Liquid Platinum Money Market - 2.75%
Min Deposit $500
Min Balance $500,000
Details Balance: $500,000 - $999,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Liquid Platinum Money Market - 2.25%
Min Deposit $500
Min Balance $0
Details Balance: $0-$499,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 20, 2026: 2.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 2.25%
Min Deposit $500
Min Balance $1,000,000
Details Balance: $1,000,000 - $5,000,000; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 20, 2026: 2.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 2.25%
Min Deposit $500
Min Balance $5,000,000
Details Balance: Greater than $5,000,000; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 20, 2026: 2.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 2.00%
Min Deposit $500
Min Balance $500,000
Details Balance: $500,000 - $999,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 20, 2026: 2.00% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 1.75%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000 - $249,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 9 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 1.75%
Min Deposit $500
Min Balance $250,000
Details Balance: $250,000 +; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 9 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 1.75%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000 - $499,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 8 times
1.25%1.75%2.25%Sep 20, 2026: 1.75% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Signature Money Market Savings - 1.25%
Min Deposit $500
Min Balance $0
Details Balance: $0 - $99,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 20, 2026: 1.25% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.45%
Min Deposit $500
Min Balance $25,000
Details Balance: $25,000 - $49,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 20, 2026: 0.45% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.45%
Min Deposit $500
Min Balance $50,000
Details Balance: $50,000 - $99,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 20, 2026: 0.45% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $500
Details Balance: $500 - $999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $1,000
Details Balance: $1,000 - $9,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Money Market Savings - 0.40%
Min Deposit $500
Min Balance $10,000
Details Balance: $10,000 - $24,999; Interest compounded/credited: Monthly/Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 20, 2026: 0.40% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Checking Rates

Product Rate APY View More
ANCHOR CHECKING - 0.10%
Min Deposit $50
Min Balance $0
Details Interest compounded/credited: Continuously/ Monthly
Last Updated 10/23/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Mortgage Rates

Product Rate Points APR Term View More
3/6 ARM (Conforming) 6.75% 0.00% 6.834%
No additional details.
Last Updated 10/23/2026
Rate History
1 change since Sep 16, 2026 · 6.71% → 6.83% ▲ 0.13 pts · high 6.83% / low 6.71%
6.21%6.77%7.33%Sep 16, 2026: 6.71% APROct 1, 2026: 6.83% APRSep 16, 2026Oct 25, 2026
  • Oct 1, 20266.83%▲ from 6.71%
  • Sep 16, 20266.71%first recorded
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
5/6 ARM (Conforming) 6.75% 0.00% 6.834%
No additional details.
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 6.83% APR
6.33%6.83%7.33%Oct 23, 2026: 6.83% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
7/6 ARM (Conforming) 6.875% 0.00% 6.96%
No additional details.
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 6.96% APR
6.46%6.96%7.46%Oct 23, 2026: 6.96% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
10/6 ARM (Conforming) 7.25% 0.00% 7.341%
No additional details.
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.34% APR
6.84%7.34%7.84%Oct 23, 2026: 7.34% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Home Equity & HELOC

Product Rate Points APR Term View More
NJ Home Equity 1st Lien 5 Yr (Conforming) 6.50% 0.00% 6.731%
Details Rates accurate as of Thursday, October 22, 2026; Rate lock period 60 days
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 6.73% APR
6.23%6.73%7.23%Oct 23, 2026: 6.73% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
HELOC - Adjust (Conforming) 6.75% 0.00% 6.75%
No additional details.
Last Updated 10/23/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 16, 2026: 6.50% APRSep 20, 2026: 6.75% APRSep 16, 2026Oct 25, 2026
  • Sep 20, 20266.75%▲ from 6.50%
  • Sep 16, 20266.50%first recorded
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
HELOC - Fixed (Conforming) 6.75% 0.00% 6.75%
No additional details.
Last Updated 10/23/2026
Rate History
1 change since Sep 16, 2026 · 6.50% → 6.75% ▲ 0.25 pts · high 6.75% / low 6.50%
6.00%6.63%7.25%Sep 16, 2026: 6.50% APRSep 20, 2026: 6.75% APRSep 16, 2026Oct 25, 2026
  • Sep 20, 20266.75%▲ from 6.50%
  • Sep 16, 20266.50%first recorded
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Manasquan Bank Other Rates

Product Rate Points APY/APR Term View More
10 Yr Fixed (Conforming) 6.625% 0.00% 6.814% 10 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 6.81% APR
6.31%6.81%7.31%Oct 23, 2026: 6.81% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
15 Yr BiWeekly (Conforming) Loan 6.75% 0.00% 6.887% 15 years
Details NJ Mortgage Rates; Conforming
Last Updated 10/23/2026
Rate History
4 changes since Sep 16, 2026 · 6.63% → 6.89% ▲ 0.25 pts · high 7.14% / low 6.63%
6.12%6.89%7.65%Sep 16, 2026: 6.63% APRSep 24, 2026: 6.89% APROct 3, 2026: 7.01% APROct 8, 2026: 7.14% APROct 23, 2026: 6.89% APRSep 16, 2026Oct 25, 2026
  • Oct 23, 20266.89%▼ from 7.14%
  • Oct 8, 20267.14%▲ from 7.01%
  • Oct 3, 20267.01%▲ from 6.89%
  • Sep 24, 20266.89%▲ from 6.63%
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
15 Yr Fixed (Conforming) 6.875% 0.00% 7.014% 15 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.01% APR
6.51%7.01%7.51%Oct 23, 2026: 7.01% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1st Lien 10 Yr (Conforming) Loan 7.00% 0.00% 7.135% 10 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.14% APR
6.64%7.14%7.64%Oct 23, 2026: 7.14% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1st Lien 15 Yr (Conforming) Loan 7.25% 0.00% 7.35% 15 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.35% APR
6.85%7.35%7.85%Oct 23, 2026: 7.35% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1st Lien 20 Yr (Conforming) Loan 7.625% 0.00% 7.711% 20 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.71% APR
7.21%7.71%8.21%Oct 23, 2026: 7.71% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
1st Lien 5 Yr (Conforming) Loan 6.50% 0.00% 6.731% 5 years
Last Updated 10/23/2026
Rate History
4 changes since Sep 16, 2026 · 6.47% → 6.73% ▲ 0.26 pts · high 6.99% / low 6.47%
5.95%6.73%7.51%Sep 16, 2026: 6.47% APRSep 28, 2026: 6.73% APROct 3, 2026: 6.86% APROct 15, 2026: 6.99% APROct 23, 2026: 6.73% APRSep 16, 2026Oct 25, 2026
  • Oct 23, 20266.73%▼ from 6.99%
  • Oct 15, 20266.99%▲ from 6.86%
  • Oct 3, 20266.86%▲ from 6.73%
  • Sep 28, 20266.73%▲ from 6.47%
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
20 Yr BiWeekly (Conforming) Loan 7.125% 0.00% 7.24% 20 years
Details NJ Mortgage Rates
Last Updated 10/23/2026
Rate History
4 changes since Sep 16, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.49% / low 6.99%
6.48%7.24%8.00%Sep 16, 2026: 6.99% APRSep 24, 2026: 7.24% APROct 3, 2026: 7.37% APROct 8, 2026: 7.49% APROct 23, 2026: 7.24% APRSep 16, 2026Oct 25, 2026
  • Oct 23, 20267.24%▼ from 7.49%
  • Oct 8, 20267.49%▲ from 7.37%
  • Oct 3, 20267.37%▲ from 7.24%
  • Sep 24, 20267.24%▲ from 6.99%
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
20 Yr Fixed (Conforming) 7.25% 0.00% 7.367% 20 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.37% APR
6.87%7.37%7.87%Oct 23, 2026: 7.37% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
25 Yr BiWeekly (Conforming) Loan 7.25% 0.00% 7.351%
Last Updated 10/23/2026
Rate History
1 change since Oct 14, 2026 · 7.49% → 7.35% ▼ 0.14 pts · high 7.49% / low 7.35%
6.85%7.42%7.99%Oct 14, 2026: 7.49% APROct 23, 2026: 7.35% APROct 14, 2026Oct 25, 2026
  • Oct 23, 20267.35%▼ from 7.49%
  • Oct 14, 20267.49%first recorded
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
2nd Lien 10 Yr (Conforming) Loan 7.375% 0.00% 7.518% 10 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.52% APR
7.02%7.52%8.02%Oct 23, 2026: 7.52% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
2nd Lien 15 Yr (Conforming) Loan 7.625% 0.00% 7.732% 15 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.73% APR
7.23%7.73%8.23%Oct 23, 2026: 7.73% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
2nd Lien 20 Yr (Conforming) Loan 8.00% 0.00% 8.092% 20 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 8.09% APR
7.59%8.09%8.59%Oct 23, 2026: 8.09% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
2nd Lien 5 Yr (Conforming) Loan 6.875% 0.00% 7.121% 5 years
Last Updated 10/23/2026
Rate History
No change since Oct 23, 2026 · 7.12% APR
6.62%7.12%7.62%Oct 23, 2026: 7.12% APROct 23, 2026Oct 25, 2026
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
30 Yr Fixed (Conforming) 7.375% 0.00% 7.467% 30 years
Last Updated 10/23/2026
Rate History
4 changes since Sep 16, 2026 · 7.21% → 7.47% ▲ 0.25 pts · high 7.72% / low 7.21%
6.71%7.47%8.23%Sep 16, 2026: 7.21% APRSep 28, 2026: 7.47% APROct 1, 2026: 7.59% APROct 8, 2026: 7.72% APROct 23, 2026: 7.47% APRSep 16, 2026Oct 25, 2026
  • Oct 23, 20267.47%▼ from 7.72%
  • Oct 8, 20267.72%▲ from 7.59%
  • Oct 1, 20267.59%▲ from 7.47%
  • Sep 28, 20267.47%▲ from 7.21%
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%

Financial Health History

Manasquan Bank’s Texas Ratio rose from 0.41% in Q3 2023 to 5.71% in Q2 2026, so its financial health has held steady at a healthy level 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 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.41% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 5.71% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$3.6B5.71%5.0A+
March 31, 2026$3.5B6.61%5.0A
December 31, 2025$3.4B7.67%5.0A
September 30, 2025$3.4B7.80%5.0A
June 30, 2025$3.3B6.82%5.0A
March 31, 2025$3.3B5.42%5.0A+
December 31, 2024$3.2B5.65%5.0A+
September 30, 2024$3.1B0.40%5.0A+
June 30, 2024$3.0B0.41%5.0A+
March 31, 2024$3.0B0.46%5.0A+
December 31, 2023$2.9B0.38%5.0A+
September 30, 2023$2.9B0.41%5.0A+
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 Manasquan 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 Manasquan 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 Manasquan Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Manasquan Bank
Address 2221 Landmark Pl, Manasquan, NJ 08736  ·  Monmouth
Bank Holding Company MB MUTUAL HOLDING CO
FDIC Certificate # 30470
Regulator FDIC
Established January 1, 1874
FDIC Insurance Date August 9, 1989
Domestic Offices 15
Total Branches 15
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
5.71%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6688%
Return on Equity (ROE)
7.1800%
Non-Performing Loans Ratio (NPL)
0.53%
Total Assets
$3,586,933,000
Total Deposits
$3,117,081,000
Equity Capital
$334,569,000
Net Income
$11,672,000
Headquarters
Manasquan
Total Branches and Offices
15
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Manasquan Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/manasquan-bank-rates-review-30470">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Kenneth Brown Sr.
★★★☆☆
October 20, 2025
Please increase the intrest rates on your 6 and 12 month C.D.s. Business will increase big time. Your loyal people will no longer need other banks for C.D. accounts. I don\'t think I will hold my breath waiting.
Average Rating
★★★☆☆
Total Reviews
1
Add Your Rating and Review for Manasquan Bank
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Frequently Asked Questions About Manasquan Bank

Does Manasquan Bank offer CDs?

Yes. Manasquan Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from Manasquan Bank FDIC insured?

Yes. Manasquan Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Manasquan Bank?

The highest CD rate MonitorBankRates has verified for Manasquan Bank is 4.00% APY on its 2 years 2 Year Certificate, as of October 23, 2026.

What CD terms does Manasquan Bank offer?

The Manasquan Bank CD terms we track include 12 month, 18 month, 2 year, 3 year and 5 year terms, with rates from 3.80% to 4.00% APY. The institution may offer other terms or specials that are not listed here, so check with Manasquan Bank for its full lineup.

What is the highest savings rate at Manasquan Bank?

The highest savings rate MonitorBankRates has verified for Manasquan Bank is 0.10% APY on its Club Savings, as of October 23, 2026.

What is the highest money market rate at Manasquan Bank?

The highest money market rate MonitorBankRates has verified for Manasquan Bank is 2.85% APY on its Liquid Platinum Money Market, as of October 23, 2026.

What is the highest checking rate at Manasquan Bank?

The highest checking rate MonitorBankRates has verified for Manasquan Bank is 0.10% APY on its ANCHOR CHECKING, as of October 23, 2026.

What is the lowest mortgage rate at Manasquan Bank?

The lowest mortgage rate MonitorBankRates has verified for Manasquan Bank is 6.75% rate on its 3/6 ARM (Conforming), as of October 23, 2026.

How many branches does Manasquan Bank operate?

Manasquan Bank currently maintains approximately 15 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, Manasquan 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, Manasquan Bank provides members with tools to manage their accounts and build a solid financial history.

Does Manasquan Bank offer online and mobile banking?

Most modern institutions like Manasquan 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.manasquanbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Manasquan Bank rates compare?

Manasquan Bank's top rates are 4.00% APY on its 2 years 2 Year Certificate, 2.25% APY on savings, 2.85% APY on money market, 0.10% APY on checking and 6.75% on its 3/6 ARM (Conforming), verified by MonitorBankRates on October 23, 2026. To compare Manasquan Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current Manasquan Bank Rates

  • 12-Month CD3.25%
  • 18-Month CD3.80%
  • 24-Month CD4.00%
  • 36-Month CD3.00%
  • 60-Month CD3.00%
  • Savings2.25%
  • MMA2.85%
Retrieved from our database of financial products. Rates subject to change.