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Monroe Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Monroe Savings Bank's top rates as of October 14, 2026 are 4.00% APY on its Certificates of Deposit (CDs) - 2-Year CD, 4.00% APY on savings, 1.50% APY on money market accounts, 0.10% APY on checking, 5.99% on its Conventional Mortgage, and personal loans from 8.25% APR, according to rates verified by MonitorBankRates. Other Monroe Savings Bank CD rates include Certificates of Deposit (CDs) - 1-Year at 3.55%, 12-Months IRA Education - 12-Month Certificate at 3.55%, and 12-Months IRA Regular/Roth - 12-Month Certificate at 3.55%. Other Monroe Savings Bank mortgage rates include Conventional Mortgage at 6.625%. MonitorBankRates evaluates the financial stability of Monroe Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates last updated and verified on 10/14/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.84%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Monroe Savings Bank
114 S Main St
Williamstown, NJ 08094
https://www.monroesavings.com
MemberFDIC
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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.

Monroe Savings Bank CD Rates

Product Rate APY Term View More
Certificates of Deposit (CDs) - 2-Year 3.92% 4.00% 2-Year
Min Balance $500
Details Early Withdrawal Penalty: 6 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 1-Year 3.49% 3.55% 1-Year
Min Balance $500
Details Early Withdrawal Penalty: 3 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
IRA Education - 12-Month Certificate 3.49% 3.55% 12 Months
Min Balance $250
Details Early Withdrawal Penalty: 3 Months Interest
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
IRA Regular/Roth - 12-Month Certificate 3.49% 3.55% 12 Months
Min Balance $250
Details Early Withdrawal Penalty: 3 Months Interest
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 14, 2026: 3.55% APYOct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 9-Month 3.25% 3.30% 9-Month
Min Balance $500
Details Early Withdrawal Penalty: 3 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 21-Month 2.96% 3.00% 21-Month
Min Balance $500
Details Early Withdrawal Penalty: 6 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 5-Year 2.47% 2.50% 5-Year
Min Balance $500
Details Early Withdrawal Penalty: 18 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 4-Year 2.23% 2.25% 4-Year
Min Balance $500
Details Early Withdrawal Penalty: 18 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 24, 2026: 2.25% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 3-Year 2.13% 2.15% 3-Year
Min Balance $500
Details Early Withdrawal Penalty: 18 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 2.15% APY · checked 6 times
1.65%2.15%2.65%Sep 24, 2026: 2.15% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 30-Month 1.98% 2.00% 30-Month
Min Balance $500
Details Early Withdrawal Penalty: 6 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 24, 2026: 2.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 18-Month 1.49% 1.50% 18-Month
Min Balance $500
Details Early Withdrawal Penalty: 6 Months Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 6-Month 0.75% 0.75% 6-Month
Min Balance $500
Details Early Withdrawal Penalty: 91 Days Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Certificates of Deposit (CDs) - 91-Day 0.50% 0.50% 91-Day
Min Balance $500
Details Early Withdrawal Penalty: 91 Days Interest
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Savings Rates

Product Rate APY View More
Advantage Savings 3.92% 4.00%
Details Qualifying balance up to $5,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Kids Saver 2.96% 3.00%
Details Qualifying balance up to $5,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Holiday Club Savings 0.50% 0.50%
No additional details.
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Vacation Club Savings 0.50% 0.50%
No additional details.
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Statement Savings 0.20% 0.20%
No additional details.
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Money Market Rates

Product Rate APY View More
Money Market Accounts 1.49% 1.50%
Min Balance $250,000
Details Balance: $250,000 or more
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Money Market Accounts 1.19% 1.20%
Min Balance $50,000
Details Balance: $50,000 - 249,999
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 1.20% APY · checked 6 times
0.70%1.20%1.70%Sep 24, 2026: 1.20% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Money Market Accounts 0.75% 0.75%
Min Balance $500
Details Balance: $0 - $49,999
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 24, 2026: 0.75% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Checking Rates

Product Rate APY View More
Interest Checking 0.10% 0.10%
Min Balance $250
Details Checking Accounts; Minimum balance required to obtain APY
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Mortgage Rates

Product Rate Points APR Term View More
Conventional Mortgage 5.99% 0.000 6.16% 15 Years
Details 0 Points; APR based on $100,000.00 first mortgage with minimum 20% down (no PMI)
Last Updated 10/14/2026
Rate History
No change since Oct 8, 2026 · 6.16% APR · checked 3 times
5.66%6.16%6.66%Oct 8, 2026: 6.16% APROct 8, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Conventional Mortgage 6.625% 0.000 6.736% 30 Years
Details 0 Points; APR based on $100,000.00 first mortgage with minimum 20% down (no PMI)
Last Updated 10/14/2026
Rate History
No change since Oct 8, 2026 · 6.74% APR · checked 3 times
6.24%6.74%7.24%Oct 8, 2026: 6.74% APROct 8, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Home Equity & HELOC

Product Rate Points APR Term View More
First Lien Home Equity Loans - 15 Years 5.99% - 6.21% 15 Years
Details Rate quoted is for well qualified First Lien Home Equity Loan applicants. Other rates are available and may apply based on credit worthiness and loan to value.
Last Updated 10/14/2026
Rate History
2 changes since Sep 16, 2026 · 5.71% → 6.21% ▲ 0.50 pts · high 6.21% / low 5.71%
5.21%5.96%6.71%Sep 16, 2026: 5.71% APRSep 24, 2026: 5.97% APRSep 28, 2026: 6.21% APRSep 16, 2026Oct 15, 2026
  • Sep 28, 20266.21%▲ from 5.97%
  • Sep 24, 20265.97%▲ from 5.71%
  • Sep 16, 20265.71%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
First Lien Home Equity Loans - 30 Years 6.625% - 6.767% 30 Years
Details Rate quoted is for well qualified First Lien Home Equity Loan applicants. Other rates are available and may apply based on credit worthiness and loan to value.
Last Updated 10/14/2026
Rate History
2 changes since Sep 16, 2026 · 6.26% → 6.77% ▲ 0.51 pts · high 6.77% / low 6.26%
5.75%6.51%7.28%Sep 16, 2026: 6.26% APRSep 24, 2026: 6.51% APRSep 28, 2026: 6.77% APRSep 16, 2026Oct 15, 2026
  • Sep 28, 20266.77%▲ from 6.51%
  • Sep 24, 20266.51%▲ from 6.26%
  • Sep 16, 20266.26%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Home Equity Loans 6.25% - 6.846% 1-5 Years
Details To qualify for this APR, auto withdrawal from a Monroe Savings Bank Checking account is required (without add .25%).
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 6.59% → 6.85% ▲ 0.26 pts · high 6.85% / low 6.59%
6.09%6.72%7.35%Sep 16, 2026: 6.59% APRSep 24, 2026: 6.85% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20266.85%▲ from 6.59%
  • Sep 16, 20266.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Home Equity Line of Credit 7.25% - 7.25%
Details Rate: WSJ + 0.25%; Variable APR: Maximum APR 21% - Minimum APR 5.00%; Financing up to 75% LTV
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00%
6.50%7.13%7.75%Sep 16, 2026: 7.00% APRSep 24, 2026: 7.25% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20267.25%▲ from 7.00%
  • Sep 16, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Home Equity Loans 7.00% - 7.337% 6-10 Years
Details To qualify for this APR, auto withdrawal from a Monroe Savings Bank Checking account is required (without add .25%).
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 7.08% → 7.34% ▲ 0.26 pts · high 7.34% / low 7.08%
6.58%7.21%7.84%Sep 16, 2026: 7.08% APRSep 24, 2026: 7.34% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20267.34%▲ from 7.08%
  • Sep 16, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Home Equity Loans 7.25% - 7.495% 11-15 Years
Details To qualify for this APR, auto withdrawal from a Monroe Savings Bank Checking account is required (without add .25%).
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 7.24% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.24%
6.74%7.37%8.00%Sep 16, 2026: 7.24% APRSep 24, 2026: 7.50% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20267.50%▲ from 7.24%
  • Sep 16, 20267.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
New Auto Loans - - 5.99% 24 Months
Details As Low As; Auto-pay from a Monroe Savings Bank Checking account required (without add .25%); Financing up to 100% LTV depending on credit
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 24, 2026: 5.99% APRSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
New Auto Loans - - 6.24% 36 Months
Details As Low As; Auto-pay from a Monroe Savings Bank Checking account required (without add .25%); Financing up to 100% LTV depending on credit
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 24, 2026: 6.24% APRSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Used Auto Loans - 24 Months - - 6.24% 24 Months
Details As Low As; Rates as low as APR; automatic payment from Monroe Savings Bank Checking required to qualify (without add .25%)
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 6.24% APR · checked 7 times
5.74%6.24%6.74%Sep 16, 2026: 6.24% APRSep 16, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Used Auto Loans - 36 Months - - 6.49% 36 Months
Details As Low As; Rates as low as APR; automatic payment from Monroe Savings Bank Checking required to qualify (without add .25%)
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 6.49% APR · checked 7 times
5.99%6.49%6.99%Sep 16, 2026: 6.49% APRSep 16, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
New Auto Loans - - 6.74% 48 Months
Details As Low As; Auto-pay from a Monroe Savings Bank Checking account required (without add .25%); Financing up to 100% LTV depending on credit
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 24, 2026: 6.74% APRSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Used Auto Loans - 48 Months - - 6.99% 48 Months
Details As Low As; Rates as low as APR; automatic payment from Monroe Savings Bank Checking required to qualify (without add .25%)
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 6.99% APR · checked 7 times
6.49%6.99%7.49%Sep 16, 2026: 6.99% APRSep 16, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
New Auto Loans - - 7.24% 60 Months
Details As Low As; Auto-pay from a Monroe Savings Bank Checking account required (without add .25%); Financing up to 100% LTV depending on credit
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 7.24% APR · checked 6 times
6.74%7.24%7.74%Sep 24, 2026: 7.24% APRSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Used Auto Loans - 60 Months - - 7.49% 60 Months
Details As Low As; Rates as low as APR; automatic payment from Monroe Savings Bank Checking required to qualify (without add .25%)
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 7.49% APR · checked 7 times
6.99%7.49%7.99%Sep 16, 2026: 7.49% APRSep 16, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
New Auto Loans - - 7.74% 72 Months
Details As Low As; Auto-pay from a Monroe Savings Bank Checking account required (without add .25%); Financing up to 100% LTV depending on credit
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 7.74% APR · checked 6 times
7.24%7.74%8.24%Sep 24, 2026: 7.74% APRSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Used Auto Loans - 72 Months - - 7.99% 72 Months
Details As Low As; Rates as low as APR; automatic payment from Monroe Savings Bank Checking required to qualify (without add .25%)
Last Updated 10/14/2026
Rate History
No change since Sep 16, 2026 · 7.99% APR · checked 7 times
7.49%7.99%8.49%Sep 16, 2026: 7.99% APRSep 16, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Personal Loan Rates

Product APR Term View More
Personal Loans - 12 Months 8.25% 12 Months
Details As Low As; APR requires automatic payment from a Monroe Savings Bank Checking account (without add .25%)
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00%
7.50%8.13%8.75%Sep 16, 2026: 8.00% APRSep 24, 2026: 8.25% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20268.25%▲ from 8.00%
  • Sep 16, 20268.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Personal Loans - 24 Months 8.75% 24 Months
Details As Low As; APR requires automatic payment from a Monroe Savings Bank Checking account (without add .25%)
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 8.50% → 8.75% ▲ 0.25 pts · high 8.75% / low 8.50%
8.00%8.63%9.25%Sep 16, 2026: 8.50% APRSep 24, 2026: 8.75% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20268.75%▲ from 8.50%
  • Sep 16, 20268.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Personal Loans - 36 Months 9.50% 36 Months
Details As Low As; APR requires automatic payment from a Monroe Savings Bank Checking account (without add .25%)
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25%
8.75%9.38%10.00%Sep 16, 2026: 9.25% APRSep 24, 2026: 9.50% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 20269.50%▲ from 9.25%
  • Sep 16, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Personal Loans - 48 Months 10.00% 48 Months
Details As Low As; APR requires automatic payment from a Monroe Savings Bank Checking account (without add .25%)
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
9.25%9.88%10.50%Sep 16, 2026: 9.75% APRSep 24, 2026: 10.00% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 202610.00%▲ from 9.75%
  • Sep 16, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
Personal Loans - 60 Months 11.00% 60 Months
Details As Low As; APR requires automatic payment from a Monroe Savings Bank Checking account (without add .25%)
Last Updated 10/14/2026
Rate History
1 change since Sep 16, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
10.25%10.88%11.50%Sep 16, 2026: 10.75% APRSep 24, 2026: 11.00% APRSep 16, 2026Oct 15, 2026
  • Sep 24, 202611.00%▲ from 10.75%
  • Sep 16, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%

Monroe Savings Bank Other Rates

Product Rate Points APY/APR Term View More
Mobile Home Loans - NEW 8.50% - 8.628%
Details Year: NEW; Monthly Payment per $1,000 Borrowed: $8.05; Based on 25 years
Last Updated 10/14/2026
Rate History
No change since Oct 14, 2026 · 8.63% APR
8.13%8.63%9.13%Oct 14, 2026: 8.63% APROct 14, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
NextGen Save 3.92% - 4.00%
Details Qualifying balance up to $10,000.00
Last Updated 10/14/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 15, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.84%
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

Monroe Savings Bank’s Texas Ratio rose from 1.22% in Q3 2023 to 2.84% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 1.5% 2.0★ 3% 3.0★ 4.5% 4.0★ 6% 5.0★ Healthy zone – entire history below the 15% limit 1.22% 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 2.84% 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 Grade
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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$114M2.84%5.0A+
March 31, 2026$113M1.48%5.0A+
December 31, 2025$114M1.22%5.0A+
September 30, 2025$111M3.70%5.0A+
June 30, 2025$110M4.47%5.0A+
March 31, 2025$111M2.11%5.0A+
December 31, 2024$108M2.25%5.0A+
September 30, 2024$115M2.99%5.0A+
June 30, 2024$114M1.62%5.0A+
March 31, 2024$110M2.15%5.0A+
December 31, 2023$108M2.02%5.0A+
September 30, 2023$109M1.22%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 Monroe Savings 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 Monroe Savings 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 Monroe Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Monroe Savings Bank
FDIC Certificate # 30103
Address 114 S Main St, Williamstown, NJ 08094  ·  Gloucester
Website https://www.monroesavings.com
Established 18700101
FDIC Insurance Date 19890809
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.84%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.6814%
Return on Equity (ROE) 4.9600%
Non-Performing Loans (NPL) 0.39%
Total Assets $113,969,000
Total Deposits $87,226,000
Equity Capital $15,816,000
Net Income $388,000
Headquarters Williamstown
Total Branches and Offices 2
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Monroe Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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/monroe-savings-bank-rates-review-30103">
  <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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Total Reviews
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Frequently Asked Questions About Monroe Savings Bank

How many branches does Monroe Savings Bank operate?

Monroe Savings Bank currently maintains approximately 2 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, Monroe Savings 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, Monroe Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Monroe Savings Bank offer online and mobile banking?

Most modern institutions like Monroe Savings 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.monroesavings.com.

Current Monroe Savings Bank Rates

  • 12-Month CD3.55%
  • 18-Month CD1.50%
  • 24-Month CD4.00%
  • 36-Month CD2.15%
  • 48-Month CD2.25%
  • 60-Month CD2.50%
  • Savings4.00%
  • MMA1.50%
Retrieved from our database of financial products. Rates subject to change.

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