|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Benchmark Community Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: November 5, 2026
Benchmark Community Bank's 24-Month CD - Premium rates are at 3.15%, 12-Month CD - Premium rates are at 3.00%, 36-Month CD - Premium rates are at 2.85%, 48-Month CD - Premium rates are at 2.65%, 60-Month CD - Premium rates are at 2.50%. Benchmark Community Bank's savings rates are at 1.00%. Benchmark Community Bank's money market rates are at 1.00%. Benchmark Community Bank's checking rates are as high as 4.00%. Benchmark Community Bank's top CD rate of 3.15% APY on a 2 year CD is 7% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Benchmark Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates last updated and verified on 11/05/2026. Benchmark Community 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 Benchmark Community Bank? Share your experience about Benchmark Community Bank by leaving a review below, or read customer reviews before you decide to use Benchmark Community Bank. 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. Benchmark Community Bank CD Rates
Benchmark Community Bank Savings Rates
Benchmark Community Bank Money Market Rates
Benchmark Community Bank Business Money Market Rates
Benchmark Community Bank Checking Rates
Benchmark Community Bank Business Checking Rates
Financial Health HistoryBenchmark Community Bank’s Texas Ratio stayed near 1.83% in Q3 2023 to 1.65% 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. 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
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Benchmark Community 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 Benchmark Community 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 Benchmark Community Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Benchmark Community Bank
Website
https://www.bcbonline.com
Address
100 S Broad St,
Kenbridge, VA 23944 · Lunenburg
Bank Holding Company
BENCHMARK BANKSHARES INC
FDIC Certificate #
20484
Regulator
FED
Established
September 8, 1971
FDIC Insurance Date
September 8, 1971
Domestic Offices
18
Total Branches
18
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.65%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6255%
Return on Equity (ROE)
17.4500%
Non-Performing Loans Ratio (NPL)
0.14%
Total Assets
$1,413,774,000
Total Deposits
$1,275,092,000
Equity Capital
$133,511,000
Net Income
$11,332,000
Headquarters
Kenbridge
Total Branches and Offices
18
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Benchmark Community Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Benchmark Community Bank
Frequently Asked Questions About Benchmark Community BankDoes Benchmark Community Bank offer CDs?Yes. Benchmark Community Bank current CD rates include its 24-Month CD - Premium at 3.15% APY, its 12-Month CD - Premium at 3.00% APY and its 36-Month CD - Premium at 2.85% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Benchmark Community Bank FDIC insured?Yes. Benchmark Community 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 Benchmark Community Bank?The highest Benchmark Community Bank CD rate is its 24-Month Certificate of Deposit - Premium at 3.15% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Benchmark Community Bank offer?Benchmark Community Bank CD rates are 3.00% APY for a 12 month CD, 3.15% APY for a 2 year CD, 2.85% APY for a 3 year CD, 2.65% APY for a 4 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Benchmark Community Bank for its full lineup. What is the highest savings rate at Benchmark Community Bank?The highest Benchmark Community Bank savings rate is its Pay or Play Savings at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Benchmark Community Bank?The highest Benchmark Community Bank money market rate is its Business Money Market Account at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Benchmark Community Bank?The highest Benchmark Community Bank checking rate is its $uccess Checking at 4.00% APY, verified by MonitorBankRates as of November 5, 2026. How many branches does Benchmark Community Bank operate?Benchmark Community Bank currently maintains approximately 18 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, Benchmark Community 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, Benchmark Community Bank provides members with tools to manage their accounts and build a solid financial history. Does Benchmark Community Bank offer online and mobile banking?Most modern institutions like Benchmark Community 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.bcbonline.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 Benchmark Community Bank rates compare?Benchmark Community Bank's top CD rate of 3.15% APY on a 2 year CD is 7% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Benchmark Community Bank's top rates are its 24-Months 24-Month Certificate of Deposit - Premium at 3.15% APY, its Pay or Play Savings at 1.00% APY, its Business Money Market Account at 1.00% APY and its $uccess Checking at 4.00% APY, verified by MonitorBankRates on November 5, 2026. Current Benchmark Community Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
First FSB of Champaign Urbana
Four Corners Community Bank
Citizens Progressive Bank
First National Bank of Bellevue
The First National Bank of Fort Smith
Security State Bank of Oklahoma
Carmine State Bank
Community First Bank Menahga, MN
Pennsville National Bank
United Bank
Citizens Federal S&LA
FNB of Elmer
Pony Express Bank
BankFirst (NE)
Atascosa Bank
Integrity Bank Plus
Bank of Lake Village
Tremont First National Bank
Citizens & Northern Bank C&N
Native American Bank
First Eagle Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
