What are the current interest rates at Rhinebeck Bank?

Current rates for Rhinebeck Bank include: 12-Month CD: 2.27%, 18-Month CD: 4.30%, 24-Month CD: 4.40%, 36-Month CD: 1.89%, 48-Month CD: 1.89%, 60-Month CD: 1.89%

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Rhinebeck Bank Rates & Review October 2026

Q: How many branches does Rhinebeck Bank operate?

Rhinebeck 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.

Q: Is there a first-time homebuyer program?

Currently, Rhinebeck 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rhinebeck Bank 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

Rhinebeck Bank's top rate as of October 14, 2026 is 4.40% APY on its 2 years 2-Year CD - Promo, according to rates verified by MonitorBankRates. Other Rhinebeck Bank CD rates include 18-Months 18-Month CD - Promo at 4.30%, 13-Months 13-Month CD - Promo at 4.00%, and 7-Months 7-Month CD - Promo at 3.70%. MonitorBankRates evaluates the financial stability of Rhinebeck Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates last updated and verified on 10/14/2026.

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

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

2.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Rhinebeck Bank

6414 Montgomery St
Rhinebeck, NY 12572

https://www.rhinebeckbank.com

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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.

Rhinebeck Bank CD Rates

Product	Rate	APY	Term
2-Year CD - Promo	4.31%	4.40%	2 years
Min Balance $2,000 Details Promotional product; can be discontinued at any time Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
18-Month CD - Promo	4.22%	4.30%	18 months
Min Balance $2,000 Details Promotional product; can be discontinued at any time Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
13-Month CD - Promo	3.93%	4.00%	13 months
Min Balance $2,000 Details Promotional product; can be discontinued at any time Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD - Promo	3.64%	3.70%	7 months
Min Balance $2,000 Details Promotional product; can be discontinued at any time Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12-Month CD	2.25%	2.27%	12 months
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Year CD	1.87%	1.89%	3 years
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
4-Year CD	1.87%	1.89%	4 years
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
5-Year CD	1.87%	1.89%	5 years
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Month CD	1.60%	1.61%	3 months
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
6-Month CD	1.60%	1.61%	6 months
Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Rhinebeck Bank’s Texas Ratio fell from 4.81% in Q3 2023 to 2.51% in Q2 2026, so its financial health has improved and is now 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.

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

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	$1.5B	2.51%	5.0	A+
March 31, 2026	$1.3B	2.62%	5.0	A+
December 31, 2025	$1.3B	2.84%	5.0	A+
September 30, 2025	$1.3B	2.83%	5.0	A+
June 30, 2025	$1.3B	2.25%	5.0	A+
March 31, 2025	$1.3B	2.90%	5.0	A+
December 31, 2024	$1.3B	3.54%	5.0	A+
September 30, 2024	$1.3B	4.00%	5.0	A+
June 30, 2024	$1.3B	3.78%	5.0	A+
March 31, 2024	$1.3B	4.23%	5.0	A+
December 31, 2023	$1.3B	3.94%	5.0	A+
September 30, 2023	$1.3B	4.81%	5.0	A+

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 Rhinebeck 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 Rhinebeck 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 Rhinebeck Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Rhinebeck Bank

Website https://www.rhinebeckbank.com

Address 6414 Montgomery St, Rhinebeck, NY 12572 · Dutchess

Bank Holding Company RHINEBECK BCORP MHC

FDIC Certificate # 16032

Regulator FDIC

Established April 12, 1860

FDIC Insurance Date July 1, 1943

Domestic Offices 15

Total Branches 15

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.51%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8173%

Return on Equity (ROE)

8.1100%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

$1,469,845,000

Total Deposits

$1,302,856,000

Equity Capital

$138,883,000

Net Income

$5,525,000

Headquarters

Rhinebeck

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Rhinebeck 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/rhinebeck-bank-rates-review-16032">
  <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.

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Frequently Asked Questions About Rhinebeck Bank

How many branches does Rhinebeck Bank operate?

Rhinebeck 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, Rhinebeck 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, Rhinebeck Bank provides members with tools to manage their accounts and build a solid financial history.

Does Rhinebeck Bank offer online and mobile banking?

Most modern institutions like Rhinebeck 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.rhinebeckbank.com.