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BNY Mellon Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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
BNY Mellon's money market rates are at 3.13%. BNY Mellon's money market rates are 331% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of BNY Mellon with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.07%. Rates last updated and verified on 11/05/2026.
BNY Mellon 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 BNY Mellon? Share your experience about BNY Mellon by leaving a review below, or read customer reviews before you decide to use BNY Mellon.
BNY Mellon has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
BNY Mellon has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
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
?
0.07%
ExcellentLower than avg
BNY Mellon Texas Ratio
BNY Mellon's Texas Ratio is 0.07%, which is considered excellent and is lower than the national average of 5.85%.
BNY Mellon has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.13% to 0.07% over 12 quarters, very strongFull history
Star Rating 5.0 to 4.9, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
2 changes since Oct 26, 2026 · 3.01% → 3.04% ▲ 0.03 pts · high 3.04% / low 3.01%
Nov 5, 20263.04%▲ from 3.03%
Oct 31, 20263.03%▲ from 3.01%
Oct 26, 20263.01%first recorded
Institution Ratings
4.9
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.07%
Financial Health History
BNY Mellon’s Texas Ratio stayed near 0.13% in Q3 2023 to 0.07% 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 4.9. 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
$425.1B
0.07%
4.9
A+
March 31, 2026
$467.3B
0.19%
4.2
A-
December 31, 2025
$381.0B
0.44%
5.0
A+
September 30, 2025
$366.5B
0.51%
5.0
A+
June 30, 2025
$398.3B
0.90%
5.0
A+
March 31, 2025
$356.3B
0.69%
5.0
A+
December 31, 2024
$336.0B
0.60%
5.0
A+
September 30, 2024
$348.1B
0.69%
5.0
A+
June 30, 2024
$351.8B
0.77%
5.0
A+
March 31, 2024
$357.5B
0.95%
5.0
A+
December 31, 2023
$332.5B
0.81%
5.0
A+
September 30, 2023
$328.5B
0.13%
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 BNY Mellon 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 BNY Mellon 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 BNY Mellon's official website for the most current offers and terms.
Address
240 E Greenwich St,
New York, NY 10007 · New York
Bank Holding CompanyBANK OF NY MELLON CORP THE
FDIC Certificate #639
RegulatorFED
EstablishedJanuary 1, 1851
FDIC Insurance DateJanuary 1, 1934
Domestic Offices13
Total Branches27
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
0.07%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.3621%
Return on Equity (ROE)
19.6300%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$425,115,000,000
Total Deposits
$372,562,000,000
Equity Capital
$29,441,000,000
Net Income
$2,891,000,000
Headquarters
New York
Total Branches and Offices
27
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
BNY Mellon earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About BNY Mellon
What is the highest money market rate at BNY Mellon?
The highest BNY Mellon money market rate is its PERSHING PRIME MONEY MARKET at 3.13% APY, verified by MonitorBankRates as of November 5, 2026.
How many branches does BNY Mellon operate?
BNY Mellon currently maintains approximately 27 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, BNY Mellon 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, BNY Mellon provides members with tools to manage their accounts and build a solid financial history.
Does BNY Mellon offer online and mobile banking?
Most modern institutions like BNY Mellon 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.bnymellon.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 BNY Mellon rates compare?
BNY Mellon's money market rates are 331% higher than the MonitorBankRates national average, and it has an A+ health rating. BNY Mellon's top rate is its PERSHING PRIME MONEY MARKET at 3.13% APY, verified by MonitorBankRates on November 5, 2026.
Current BNY Mellon Rates
MMA3.13%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
