What are the current interest rates at Blue Ridge Bank and Trust Co.?

Current rates for Blue Ridge Bank and Trust Co. include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.00%, 36-Month CD: 1.30%, 48-Month CD: 1.40%, 60-Month CD: 1.50%, Savings: 2.06%, MMA: 3.28%

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Blue Ridge Bank and Trust Co.

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Blue Ridge Bank and Trust Co. Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Blue Ridge Bank and Trust Co. 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

Blue Ridge Bank and Trust Co.'s top rates as of October 12, 2026 are 3.55% APY on its 12-Month CD/IRA, 2.06% APY on savings, 3.28% APY on money market accounts, and 4.05% APY on checking, according to rates verified by MonitorBankRates. Other Blue Ridge Bank and Trust Co. CD rates include 18-Month CD/IRA at 3.55%, 24-Month CD/IRA at 3.00%, and 30-Month CD/IRA at 2.50%. MonitorBankRates evaluates the financial stability of Blue Ridge Bank and Trust Co. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.01%. Rates last updated and verified on 10/12/2026.

Blue Ridge Bank and Trust Co. 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 Blue Ridge Bank and Trust Co.? Share your experience about Blue Ridge Bank and Trust Co. by leaving a review below, or read customer reviews before you decide to use Blue Ridge Bank and Trust Co..

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

1.01%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Blue Ridge Bank and Trust Co.

4200 Little Blue Pkwy
Independence, MO 64057

https://www.blueridgebank.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.

Blue Ridge Bank and Trust Co. CD Rates

Product	Rate	APY	Term
12 Month CD/IRA	3.50%	3.55%	12 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
18 Month CD/IRA	3.50%	3.55%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
24 Month CD/IRA	2.97%	3.00%	24 Month
Min Deposit $500 Min Balance $500 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: 1.01%
30 Month CD/IRA	2.48%	2.50%	30 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
60 Month CD/IRA	1.49%	1.50%	60 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
48 Month CD/IRA	1.39%	1.40%	48 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
36 Month CD/IRA	1.29%	1.30%	36 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
31 Day CD	1.00%	1.00%	31 Day
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
6 Month CD/IRA	1.00%	1.00%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
60 Day CD	1.00%	1.00%	60 Day
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
91 Day CD/IRA	1.00%	1.00%	91 Day
Min Deposit $500 Min Balance $500 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Blue Ridge Bank and Trust Co. Savings Rates

Product	Rate	APY
Maximum Yield (MY) Savings Account	2.04%	2.06%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Qualifications Met; Qualifications Met; Balance: $0.01-$25,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.06% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield (MY) Savings Account	0.20%	0.20%
Min Deposit $25 Min Balance $25,000 Details Qualifications Required: Qualifications Met; Qualifications Met; Balance: $25,000.01 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
My First Million Savings	0.20%	0.20%
Min Deposit $5 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Savings Account	0.20%	0.20%
Min Deposit $100 Min Balance $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Student Savings	0.20%	0.20%
Min Deposit $50 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield (MY) Savings Account	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Qualifications Required: Qualifications Not Met; Qualifications Not Met; Balance: All Balances Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 2.06% → 0.10% ▼ 1.96 pts · high 2.06% / low 0.10% Oct 8, 20260.10%▼ from 2.06% Sep 14, 20262.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Blue Ridge Bank and Trust Co. Money Market Rates

Product	Rate	APY
Maximum Yield Money Market	1.00%	1.00%
Min Deposit $15,000 Min Balance $85,000 Details Balance: $85,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Money Market	0.75%	0.75%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield Money Market	0.65%	0.65%
Min Deposit $15,000 Min Balance $40,000 Details Balance: $40,000-$84,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield Money Market	0.55%	0.55%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000-$39,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $15,000 Details Balance: $15,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Regular Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$14,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Blue Ridge Bank and Trust Co. Business Money Market Rates

Product	Rate	APY
Business Maximum Yield Money Market	3.23%	3.28%
Min Deposit $15,000 Min Balance $750,000 Details Balance: $750,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.28% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Maximum Yield Money Market	1.50%	1.51%
Min Deposit $15,000 Min Balance $85,000 Details Balance: $85,000-$749,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Maximum Yield Money Market	0.65%	0.65%
Min Deposit $15,000 Min Balance $40,000 Details Balance: $40,000-$84,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Maximum Yield Money Market	0.55%	0.55%
Min Deposit $15,000 Min Balance $15,000 Details Balance: $15,000-$39,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $15,000 Details Balance: $15,000-$49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Business Money Market	0.40%	0.40%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000-$14,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%

Blue Ridge Bank and Trust Co. Checking Rates

Product	Rate	APY
Maximum Yield Checking	3.98%	4.05%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Qualifications Met; Qualifications Met; Balance: $0.01-$25,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Elite Plus Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield Checking	0.12%	0.12%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: Qualifications Met; Qualifications Met; Balance: $25,000 and up Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.01%
Maximum Yield Checking	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Qualifications Not Met; Qualifications Not Met; Balance: All Balances 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: 1.01%

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

Blue Ridge Bank and Trust Co.’s Texas Ratio fell from 2.89% in Q3 2023 to 1.01% 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	$867M	1.01%	5.0	A+
March 31, 2026	$882M	0.85%	5.0	A+
December 31, 2025	$883M	0.94%	5.0	A+
September 30, 2025	$828M	1.14%	5.0	A+
June 30, 2025	$817M	1.79%	5.0	A+
March 31, 2025	$841M	1.43%	5.0	A+
December 31, 2024	$813M	1.55%	5.0	A+
September 30, 2024	$803M	1.54%	5.0	A+
June 30, 2024	$778M	1.88%	5.0	A+
March 31, 2024	$801M	1.77%	5.0	A+
December 31, 2023	$814M	1.77%	5.0	A+
September 30, 2023	$786M	2.89%	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 Blue Ridge Bank and Trust Co. 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 Blue Ridge Bank and Trust Co. 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 Blue Ridge Bank and Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Blue Ridge Bank and Trust Co.

Bank Holding Company BLUE RIDGE BANCSHARES INC

Address 4200 Little Blue Pkwy, Independence, MO 64057 · Jackson

Website https://www.blueridgebank.com

FDIC Certificate # 17933

Established 19580908

FDIC Insurance Date 19581120

Domestic Offices 8

Total Branches 8

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

1.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3950%

Return on Equity (ROE) 14.7700%

Non-Performing Loans (NPL) 0.10%

Total Assets $866,612,000

Total Deposits $714,014,000

Equity Capital $85,685,000

Net Income $6,118,000

Headquarters Independence

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Blue Ridge Bank and Trust Co. earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Blue Ridge Bank and Trust Co.

How many branches does Blue Ridge Bank and Trust Co. operate?

Blue Ridge Bank and Trust Co. currently maintains approximately 8 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, Blue Ridge Bank and Trust Co. 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, Blue Ridge Bank and Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does Blue Ridge Bank and Trust Co. offer online and mobile banking?

Most modern institutions like Blue Ridge Bank and Trust Co. 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.blueridgebank.com.