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Carver State Bank

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Carver State Bank Rates & Review May 2026

Q: How many branches does Carver State Bank operate?

Carver State Bank currently maintains approximately 2 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, Carver State 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Carver State Bank 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: May 16, 2026

You can compare Carver State Bank rates to other rates in our database, including 12-month CD rates currently at 0.45%, 6-month CD rates at 3.85% and 3-month CD rates at 3.50%. Savings rates are at 1.50% and money market rates are at 0.03%. Mortgage rates on 30-year fixed loans are around 6.17%. All these rates can be compared to Carver State Bank rates. MonitorBankRates evaluates the financial stability of Carver State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.75%. Rates were last updated on 05/16/2026.

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

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.75%

Excellent Lower than avg

Carver State Bank

701 Martin Luther King Jr Blvd
Savannah, GA 31401

https://www.carverstatebank.com

Current Rate Availability

We do not have Carver State Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Carver State 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 Carver State 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 Carver State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Carver State Bank

Bank Holding Company CARVER FINANCIAL CORP

Address 701 Martin Luther King Jr Blvd, Savannah, GA 31401 · Chatham

Website https://www.carverstatebank.com/

FDIC Certificate # 16584

Established 01/01/1927

FDIC Insurance Date 06/04/1947

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.75%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9893%

Return on Equity (ROE) 7.2000%

Non-Performing Loans (NPL) 0.40%

Total Assets $118,106,000

Total Deposits $98,131,000

Equity Capital $17,714,000

Net Income $1,051,000

Headquarters Savannah

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

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Carver State Bank earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Carver State Bank

How many branches does Carver State Bank operate?

Carver State Bank currently maintains approximately 2 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, Carver State 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, Carver State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Carver State Bank offer online and mobile banking?

Most modern institutions like Carver State 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.carverstatebank.com/.