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Bogota Savings Bank 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 6, 2026
Bogota Savings Bank's Online CD - 24-Month rates are at 4.25%, Online CD - 15-Month rates are at 4.00%, Online CD - 21-Month rates are at 3.00%, Online CD - 12-Month rates are at 2.95%, Online CD - 10-Month rates are at 2.85%. Bogota Savings Bank's savings rates are at 3.56%. Bogota Savings Bank's money market rates are at 0.35%. Bogota Savings Bank's checking rates are as high as 3.00%. Bogota Savings Bank's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has a B health rating. MonitorBankRates evaluates the financial stability of Bogota Savings Bank with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.77%. Rates last updated and verified on 11/06/2026.
Bogota Savings 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 Bogota Savings Bank? Share your experience about Bogota Savings Bank by leaving a review below, or read customer reviews before you decide to use Bogota Savings Bank.
Overall Health & Safety Grade
?
B
Solid HealthScore: 85/100
Overall Health & Safety Grade
Bogota Savings Bank has earned an overall safety grade of B (Solid, Score: 85/100).
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
?
4.5
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Bogota Savings Bank has earned a Star Rating of 4.5 out of 5 stars (Excellent).
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
?
20.77%
GoodHigher than avg
Bogota Savings Bank Texas Ratio
Bogota Savings Bank's Texas Ratio is 20.77%, which is considered good and is higher than the national average of 5.85%.
While Bogota Savings Bank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
10.28% to 20.77% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.5, Health Grade A to B
The Texas Ratio for this bank has weakened 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.
Bogota Savings Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD IRA - 24-Month
4.16%
4.25%
24 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 24-Month
4.16%
4.25%
24 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 15-Month
3.92%
4.00%
15 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 15-Month
3.92%
4.00%
15 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 21-Month
2.96%
3.00%
21 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 21-Month
2.96%
3.00%
21 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 3.00% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 12-Month
2.91%
2.95%
12 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.95% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 12-Month
2.91%
2.95%
12 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.95% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 10-Month
2.81%
2.85%
10 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.85% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 9-Month
2.76%
2.80%
9 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.80% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 9-Month
2.76%
2.80%
9 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.80% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 8-Month
2.71%
2.75%
8 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.75% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 8-Month
2.71%
2.75%
8 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.75% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 6-Month
2.47%
2.50%
6 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.50% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 6-Month
2.47%
2.50%
6 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.50% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 13-Month
2.32%
2.35%
13 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.35% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
CD IRA - 18-Month
2.03%
2.05%
18 months
$500
Min Deposit$500
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.05% APY · checked 4 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Online CD - 18-Month
2.03%
2.05%
18 months
$1,000
Min Deposit$1,000
DetailsInterest Compounded Daily | Posted Monthly
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 2.05% APY · checked 4 times
No change since Sep 19, 2026 · 0.16% APY · checked 10 times
Institution Ratings
4.5
Star Rating
B
Health Grade
◈ Texas Ratio: 20.77%
Financial Health History
Bogota Savings Bank’s Texas Ratio rose from 10.28% in Q3 2023 to 20.77% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.5 and its Health Grade from A to B. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$872M
20.77%
4.5
B
March 31, 2026
$875M
9.96%
5.0
A
December 31, 2025
$903M
10.02%
5.0
A
September 30, 2025
$924M
15.79%
4.9
A-
June 30, 2025
$922M
10.89%
5.0
A
March 31, 2025
$931M
10.62%
5.0
A
December 31, 2024
$972M
15.45%
5.0
A-
September 30, 2024
$979M
10.73%
5.0
A
June 30, 2024
$975M
10.21%
5.0
A
March 31, 2024
$962M
10.01%
5.0
A
December 31, 2023
$940M
10.27%
5.0
A
September 30, 2023
$927M
10.28%
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 Bogota Savings 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 Bogota Savings 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 Bogota Savings Bank's official website for the most current offers and terms.
There are no reviews for Bogota Savings 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.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Bogota Savings Bank
Frequently Asked Questions About Bogota Savings Bank
Does Bogota Savings Bank offer CDs?
Yes. Bogota Savings Bank current CD rates include its Online CD - 24-Month at 4.25% APY, its Online CD - 15-Month at 4.00% APY and its Online CD - 21-Month at 3.00% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Bogota Savings Bank FDIC insured?
Yes. Bogota Savings 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 Bogota Savings Bank?
The highest Bogota Savings Bank CD rate is its Certificates of Deposit IRA - 24-Month at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Bogota Savings Bank offer?
Bogota Savings Bank CD rates are 2.85% APY for a 10 month CD, 2.95% APY for a 12 month CD, 4.00% APY for a 15 month CD, 2.00% APY for an 18 month CD, 3.00% APY for a 21 month CD, 4.25% APY for a 2 year CD, 0.75% APY for a 3 year CD, 0.75% APY for a 4 year CD and 0.75% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Bogota Savings Bank for its full lineup.
What is the highest savings rate at Bogota Savings Bank?
The highest Bogota Savings Bank savings rate is its Statement Savings at 3.56% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Bogota Savings Bank?
The highest Bogota Savings Bank money market rate is its Anniversary Money Market Checking at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Bogota Savings Bank?
The highest Bogota Savings Bank checking rate is its Prestige Checking at 3.00% APY, verified by MonitorBankRates as of November 6, 2026.
How many branches does Bogota Savings Bank operate?
Bogota Savings Bank 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, Bogota Savings 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, Bogota Savings Bank provides members with tools to manage their accounts and build a solid financial history.
Does Bogota Savings Bank offer online and mobile banking?
Most modern institutions like Bogota Savings 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.bogotasavingsbank.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 Bogota Savings Bank rates compare?
Bogota Savings Bank's top CD rate of 4.25% APY on a 2 year CD is 45% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has a B health rating. Bogota Savings Bank's top rates are its 24-Months Certificates of Deposit IRA - 24-Month at 4.25% APY, its Statement Savings at 3.56% APY, its Anniversary Money Market Checking at 0.35% APY and its Prestige Checking at 3.00% APY, verified by MonitorBankRates on November 6, 2026.
Current Bogota Savings Bank Rates
12-Month CD2.35%
18-Month CD2.00%
24-Month CD4.25%
36-Month CD0.75%
48-Month CD0.75%
60-Month CD0.75%
Savings3.56%
MMA0.35%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
