What are the current interest rates at Bank of Holland?

Current rates for Bank of Holland include: 12-Month CD: 0.10%, 24-Month CD: 0.20%, 36-Month CD: 0.30%, 48-Month CD: 0.40%, 60-Month CD: 0.60%, Savings: 1.25%, MMA: 0.70%

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Bank of Holland Rates & Review October 2026

Q: How many branches does Bank of Holland operate?

Bank of Holland currently maintains approximately 3 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, Bank of Holland 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, Bank of Holland 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 12, 2026

Bank of Holland's top rates as of October 12, 2026 are 0.60% APY on its 60-Month Certificate, 1.25% APY on savings, 0.70% APY on money market accounts, and 3.00% APY on checking, according to rates verified by MonitorBankRates. Other Bank of Holland CD rates include 48-Month Certificate at 0.50%, 36 to 47-Month at 0.40%, and 24 to 35-Month at 0.30%. MonitorBankRates evaluates the financial stability of Bank of Holland with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates last updated and verified on 10/12/2026.

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

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 ›

Bank of Holland

12 S Main St
Holland, NY 14080

https://www.bankofhollandny.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.

Bank of Holland CD Rates

Product	Rate	APY	Term
60 Month Certificate	0.60%	0.60%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
48 Month Certificate	0.50%	0.50%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
36 to 47 Month	0.40%	0.40%	36 to 47 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
24 to 35 Month	0.30%	0.30%	24 to 35 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
12 to 23 Month	0.20%	0.20%	12 to 23 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 to 11 Month	0.10%	0.10%	6 to 11 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 to 5 Month	0.05%	0.05%	3 to 5 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Bank of Holland Savings Rates

Product	Rate	APY
Advantage Savings	-	1.25%
Min Deposit $0 Min Balance $0 Details Qualifications Required: Be enrolled and log in to online banking; Be enrolled and receive e-Statement notice; Have at least one direct deposit or automatic payment (ACH) post and settle; Have at least 12 signature-based debit card purchases post and settle; Earn 1.25% APY* on balances up to $25,000.00; Earn 1.25 to 0.35% APY* on balances over $25,000.00, depending on balance in account; Earn 0.05% APY on entire balance if qualifications aren't met; Automatic transfers generated from Advantage Plus Checking earnings; Balance: $0.01 - $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Savings(2)	1.24%	1.24%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 - $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.24% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Savings	-	0.35%
Min Deposit $0 Min Balance $25,000 Details Qualifications Required: Be enrolled and log in to online banking; Be enrolled and receive e-Statement notice; Have at least one direct deposit or automatic payment (ACH) post and settle; Have at least 12 signature-based debit card purchases post and settle; Earn 1.25% APY* on balances up to $25,000.00; Earn 1.25 to 0.35% APY* on balances over $25,000.00, depending on balance in account; Earn 0.05% APY on entire balance if qualifications aren't met; Automatic transfers generated from Advantage Plus Checking earnings; Balance: $25,000.01 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Savings(2)	0.35%	0.35%
Min Deposit $0 Min Balance $25,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Savings	-	0.05%
Min Deposit $0 Min Balance $0 Details Earn 1.25% APY* on balances up to $25,000.00; Earn 1.25 to 0.35% APY* on balances over $25,000.00, depending on balance in account; Earn 0.05% APY on entire balance if qualifications aren't met; Automatic transfers generated from Advantage Plus Checking earnings; Balance: $0.01 - $25,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Savings(2)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Health Savings (B)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Holiday/Christmas Club (E)	0.05%	0.05%
Min Deposit $3 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Passbook Savings (C)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Statement Savings(D)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Bank of Holland Money Market Rates

Product	Rate	APY
Money Market (F)	0.70%	0.70%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Money Market (F)	0.50%	0.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Money Market (F)	0.40%	0.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Money Market (F)	0.40%	0.40%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Money Market (F)	0.15%	0.15%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Money Market (F)	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Bank of Holland Business Money Market Rates

Product	Rate	APY
Business Relationship Money Market (I)	0.70%	0.70%
Min Deposit $0 Min Balance $200,000 Details Balance: $200,000+ Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.50%	0.50%
Min Deposit $0 Min Balance $100,000 Details Balance: $100,000 - $199,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.40%	0.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.40%	0.40%
Min Deposit $0 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.15%	0.15%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.15%	0.15%
Min Deposit $0 Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Business Relationship Money Market (I)	0.05%	0.05%
Min Deposit $0 Details Balance: Less than $2,500.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Bank of Holland Checking Rates

Product	Rate	APY
Advantage Plus Checking	2.96%	3.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.00 - $15,000.01; (1) Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Plus Checking	-	3.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: Enrolled and log in to Online Banking; Enrolled and receive e-Statement notice; At least one direct deposit or automatic payment (ACH) post and settle; At least 12 signature-based debit card purchases post and settle; Balances up to $15,000.00 earn 3.00% APY; balances over $15,000.00 earn 0.10% interest rate on the portion of the balance over $15,000.00, resulting in 3.00% - 0.10% APY depending on the balance. Nationwide ATM fee refunds up to $20.00 a month. Interest earned is automatically transferred to Advantage Savings. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Plus Checking	0.10%	0.10%
Min Deposit $50 Min Balance $15,000 Details Balance: $15,000.01 and over; (1) Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Plus Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details (1) Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Advantage Plus Checking	-	0.05%
Min Deposit $50 Min Balance $0 Details Qualifications Required: Enrolled and log in to Online Banking; Enrolled and receive e-Statement notice; At least one direct deposit or automatic payment (ACH) post and settle; At least 12 signature-based debit card purchases post and settle; If qualifications are not met, all balances earn 0.05% APY. Nationwide ATM fee refunds up to $20.00 a month. Interest earned is automatically transferred to Advantage Savings. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
NOW Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details (A) Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Bank of Holland Other Rates

Product	Rate	Points	APY/APR	Term
IRA COD	0.10%	-	0.10%	12 to 17 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
IRA COD	0.30%	-	0.30%	18 to 29 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
IRA COD	0.40%	-	0.40%	30 to 48 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
IRA COD	0.60%	-	0.60%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.60% APY · checked 2 times 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.
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

Bank of Holland’s Texas Ratio fell from 3.49% 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 4.0 to 5.0 and its Health Grade from B+ to A+. 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	$262M	2.84%	5.0	A+
March 31, 2026	$256M	3.05%	5.0	A+
December 31, 2025	$246M	4.35%	5.0	A+
September 30, 2025	$251M	3.47%	5.0	A+
June 30, 2025	$248M	3.77%	5.0	A+
March 31, 2025	$241M	5.58%	5.0	A+
December 31, 2024	$231M	5.15%	5.0	A+
September 30, 2024	$237M	4.56%	5.0	A+
June 30, 2024	$236M	3.98%	4.4	A-
March 31, 2024	$235M	3.80%	4.4	A-
December 31, 2023	$221M	3.26%	4.8	A
September 30, 2023	$222M	3.49%	4.0	B+

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

Bank Profile & Overview

Institution Name Bank of Holland

Bank Holding Company HOLLAND BCORP INC

Address 12 S Main St, Holland, NY 14080 · Erie

Website https://www.bankofhollandny.com

FDIC Certificate # 1464

Established 18931021

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

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) 1.3782%

Return on Equity (ROE) 17.0100%

Non-Performing Loans (NPL) 0.23%

Total Assets $261,621,000

Total Deposits $234,145,000

Equity Capital $21,540,000

Net Income $1,755,000

Headquarters Holland

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Bank of Holland 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.

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Frequently Asked Questions About Bank of Holland

How many branches does Bank of Holland operate?

Bank of Holland currently maintains approximately 3 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, Bank of Holland 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, Bank of Holland provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Holland offer online and mobile banking?

Most modern institutions like Bank of Holland 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.bankofhollandny.com.