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Cattaraugus County 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
Cattaraugus County Bank's 24-Month CD Special rates are at 3.90%, 18-Month CD Special rates are at 3.80%, 12-Month CD Special rates are at 3.70%, 6-Month CD Special rates are at 3.60%. Cattaraugus County Bank's Portfolio 5/6-Month ARM rates are at 7.50%, 7/6-Month ARM (Portfolio) rates are at 7.75%, 10/6-Month ARM (Portfolio) rates are at 7.875%, Portfolio Mortgage Fixed - 15 Years rates are at 7.625%, Portfolio Mortgage Fixed - 20 Years rates are at 7.875%. Cattaraugus County Bank's Personal Loan Rates are as low as 9.75%. Cattaraugus County Bank's top CD rate of 3.90% APY on a 2 year CD is 33% 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 Cattaraugus County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.81%. Rates last updated and verified on 11/06/2026.
Cattaraugus County 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 Cattaraugus County Bank? Share your experience about Cattaraugus County Bank by leaving a review below, or read customer reviews before you decide to use Cattaraugus County Bank.
Cattaraugus County Bank has earned an overall safety grade of A (Excellent, Score: 93/100).
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
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Cattaraugus County Bank has earned a Star Rating of 5.0 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
?
13.81%
ExcellentHigher than avg
Cattaraugus County Bank Texas Ratio
Cattaraugus County Bank's Texas Ratio is 13.81%, which is considered excellent and is higher than the national average of 5.85%.
Cattaraugus County Bank 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.
3.78% to 13.81% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level 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.
Cattaraugus County Bank CD Rates
Product
Rate
APY
Term
View More
24-Month CD Special
3.83%
3.90%
24 Month
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.90% ▲ 0.80 pts · high 3.90% / low 3.10%
Nov 1, 20263.90%▲ from 3.10%
Sep 24, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
18-Month CD Special
3.73%
3.80%
18 Month
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.80% ▲ 0.40 pts · high 3.80% / low 3.40%
Nov 1, 20263.80%▲ from 3.40%
Sep 24, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
24-Month CD Special
3.73%
3.80%
24 Month
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
Nov 1, 20263.80%▲ from 3.00%
Sep 24, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
12-Month CD Special
3.63%
3.70%
12 Month
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
Nov 1, 20263.70%▲ from 3.50%
Sep 24, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
18-Month CD Special
3.63%
3.70%
18 Month
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.70% ▲ 0.40 pts · high 3.70% / low 3.30%
Nov 1, 20263.70%▲ from 3.30%
Sep 24, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
24-Month CD Special
3.64%
3.70%
24 Month
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 2.90% → 3.70% ▲ 0.80 pts · high 3.70% / low 2.90%
Nov 1, 20263.70%▲ from 2.90%
Sep 24, 20262.90%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
12-Month CD Special
3.54%
3.60%
12 Month
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
Nov 1, 20263.60%▲ from 3.40%
Sep 24, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
18-Month CD Special
3.54%
3.60%
18 Month
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
Nov 1, 20263.60%▲ from 3.20%
Sep 24, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
24-Month CD Special
3.54%
3.60%
24 Month
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 2.80% → 3.60% ▲ 0.80 pts · high 3.60% / low 2.80%
Nov 1, 20263.60%▲ from 2.80%
Sep 24, 20262.80%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
6-Month CD Special
3.54%
3.60%
6 Month
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.60% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
12-Month CD Special
3.44%
3.50%
12 Month
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
Nov 1, 20263.50%▲ from 3.30%
Sep 24, 20263.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
18-Month CD Special
3.44%
3.50%
18 Month
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
Nov 1, 20263.50%▲ from 3.10%
Sep 24, 20263.10%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
6-Month CD Special
3.44%
3.50%
6 Month
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
12-Month CD Special
3.34%
3.40%
12 Month
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.20% → 3.40% ▲ 0.20 pts · high 3.40% / low 3.20%
Nov 1, 20263.40%▲ from 3.20%
Sep 24, 20263.20%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
6-Month CD Special
3.34%
3.40%
6 Month
Min Balance$10,000
DetailsBalance: $10,000 - $49,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
6-Month CD Special
3.25%
3.30%
6 Month
Min Balance$1,000
DetailsBalance: $1,000 - $9,999.99; Limited time offer; Automatically renews into a standard CD with the same term
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Portfolio Mortgage Fixed - 15 Years
7.625%
1
7.934%
15 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 7.93% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 15 Years
7.875%
0
8.023%
15 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.02% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 20 Years
7.875%
1
8.128%
20 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.13% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 20 Years
8.125%
0
8.246%
20 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.25% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 30 Years
8.125%
1
8.326%
30 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.33% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 25 Years
8.125%
1
8.347%
25 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.35% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 30 Years
8.375%
0
8.472%
30 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.47% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio Mortgage Fixed - 25 Years
8.375%
0
8.481%
25 Years
DetailsRates as of 10/26/2026
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 8.48% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC)
-
-
7.00%
DetailsAmount: $100,000+; Rate/APR: WSJP; Current Rate 7.00%; 10 year interest only draw + 15 yr payback; May be Primary or Secondary Residence; No floor / ceiling - 15.9%
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 7.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)
-
-
7.50%
DetailsAmount: $50,000-$99,999; Rate/APR: WSJP + 0.50%; Current Rate 7.50%; 10 year interest only draw + 15 yr payback; May be Primary or Secondary Residence; No floor / ceiling - 15.9%
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 7.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)
-
-
8.00%
DetailsAmount: $25,000-$49,999; Rate/APR: WSJP + 1.00%; Current Rate 8.00%; 10 year interest only draw + 15 yr payback; May be Primary or Secondary Residence; No floor / ceiling - 15.9%
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Home Equity Line of Credit (HELOC)
-
-
8.25%
DetailsAmount: $7,500-$24,999; Rate/APR: WSJP + 1.25%; Current Rate 8.25%; 10 year interest only draw + 15 yr payback; May be Primary or Secondary Residence; No floor / ceiling - 15.9%
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loan
-
-
7.25%
36 months
DetailsMin. $2,500 loan amount; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 7.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
New Auto Loan
-
-
7.50%
60 months
DetailsMin. $2,500 loan amount; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
1 change since Sep 16, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
Oct 8, 20267.50%▲ from 7.00%
Sep 16, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
New Auto Loan
-
-
7.75%
72 months
DetailsMin. $2,500 loan amount; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 7.75% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
New Auto Loan
-
-
8.00%
120 months
DetailsMin. $2,500 loan amount; AFT required; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
New Recreational Vehicles Loan
-
8.25%
36 months
DetailsMin. $2,500 loan amount; Rates as of 09/14/2026; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.25% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
New Recreational Vehicles Loan
-
8.50%
48 months
DetailsMin. $2,500 loan amount; Rates as of 09/14/2026; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.50% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
New Recreational Vehicles Loan
-
8.75%
60 months
DetailsMin. $2,500 loan amount; Rates as of 09/14/2026; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 8.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank Personal Loan Rates
Product
APR
Term
View More
Home Improvement Loan - Unsecured
9.75%
6-36 months
DetailsLoan amount: $2,500-$7,500; Base Rate/APR*; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 9.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Unsecured Personal Loan
10.00%
6-36 months
DetailsLoan amount: $2,500-$7,500; Base Rate/APR; Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Last Updated11/06/2026
Rate History
1 change since Sep 16, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75%
Sep 24, 202610.00%▲ from 9.75%
Sep 16, 20269.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Home Improvement Loan - Unsecured
10.75%
37-48 months
DetailsLoan amount: $5,000-$7,500; Base Rate/APR*; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 10.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Unsecured Personal Loan
11.00%
37-48 months
DetailsLoan amount: $5,000-$15,000; Base Rate/APR; Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Last Updated11/06/2026
Rate History
1 change since Sep 16, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75%
Sep 24, 202611.00%▲ from 10.75%
Sep 16, 202610.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Home Improvement Loan - Unsecured
11.75%
49-60 months
DetailsLoan amount: $5,000-$7,500; Base Rate/APR*; Rates quoted require automatic payment set up from CCB checking or savings; Add 0.25% if no AFT
Last Updated11/06/2026
Rate History
No change since Oct 8, 2026 · 11.75% APR · checked 7 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Unsecured Personal Loan
12.00%
49-60 months
DetailsLoan amount: $7,500-$15,000; Base Rate/APR; Rates quoted require automatic payment set up from CCB checking or savings. Add 0.25% if no AFT.
Last Updated11/06/2026
Rate History
1 change since Sep 16, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75%
Sep 24, 202612.00%▲ from 11.75%
Sep 16, 202611.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Cattaraugus County Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
10/6-Month ARM (Portfolio)
7.875%
0
7.499%
30 Years
DetailsRates as of 10/26/2026; Rate is fixed for first 10 years, then adjusts every 6 months based on 30-day compounded average of SOFR; 5% cap at first adjustment and 1% thereafter; Life of loan cap +/-5%, Floor 2.50%, Margin 2.50%
Last Updated11/06/2026
Rate History
2 changes since Oct 8, 2026 · 7.55% → 7.50% ▼ 0.05 pts · high 7.58% / low 7.50%
Oct 27, 20267.50%▼ from 7.58%
Oct 14, 20267.58%▲ from 7.55%
Oct 8, 20267.55%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
7/6-Month ARM (Portfolio)
7.75%
0
7.206%
30 Years
DetailsRates as of 10/26/2026; Rate fixed for first 7 years, then adjusts every 6 months based on 30-day compounded average SOFR; 5% cap at first adjustment, 1% thereafter; life of loan cap +/-5%; Floor 2.50%; Margin 2.50%
Last Updated11/06/2026
Rate History
3 changes since Oct 8, 2026 · 7.22% → 7.21% ▼ 0.02 pts · high 7.28% / low 7.21%
Oct 27, 20267.21%▼ from 7.28%
Oct 22, 20267.28%▲ from 7.26%
Oct 14, 20267.26%▲ from 7.22%
Oct 8, 20267.22%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence - 15 Years
6.50%
0
6.701%
15 Years
DetailsRates as of 11/05/2026; Loan rate ONLY guaranteed with signed 50 day lock-in agreement
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 6.70% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence - 15 Years
6.25%
1
6.605%
15 Years
DetailsRates as of 11/05/2026; Loan rate ONLY guaranteed with signed 50 day lock-in agreement
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 6.61% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence - 20 Years
6.625%
0
6.786%
20 Years
DetailsRates as of 11/05/2026; Loan rate ONLY guaranteed with signed 50 day lock-in agreement
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 6.79% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence - 20 Years
6.375%
1
6.66%
20 Years
DetailsRates as of 11/05/2026; Loan rate ONLY guaranteed with signed 50 day lock-in agreement
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 6.66% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Fixed Rate Conforming Mortgage - Primary and Secondary Residence - 30 Years
7.00%
0
7.126%
30 Years
DetailsRates as of 11/05/2026; Loan rate ONLY guaranteed with signed 50 day lock-in agreement
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 7.13% APR
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Portfolio 5/6-Month ARM
7.50%
0
6.931%
30 Years
DetailsRates as of 10/26/2026; Introductory rate fixed for first 5 years, then adjusts every 6 months based on 30-day compounded average SOFR; 2% cap at first adjustment, 1% thereafter; life of loan cap +/-5%; floor 2.50%; margin 2.50%
Last Updated11/06/2026
Rate History
No change since Oct 27, 2026 · 6.93% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 13.81%
Financial Health History
Cattaraugus County Bank’s Texas Ratio rose from 3.78% in Q3 2023 to 13.81% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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
$385M
13.81%
5.0
A
March 31, 2026
$379M
9.86%
5.0
A
December 31, 2025
$375M
12.61%
5.0
A
September 30, 2025
$367M
15.28%
5.0
A-
June 30, 2025
$365M
14.54%
5.0
A-
March 31, 2025
$358M
17.34%
4.8
B+
December 31, 2024
$355M
17.30%
4.8
B+
September 30, 2024
$371M
21.75%
4.4
B
June 30, 2024
$368M
30.28%
3.7
C-
March 31, 2024
$379M
30.88%
3.7
C-
December 31, 2023
$375M
3.41%
5.0
A+
September 30, 2023
$370M
3.78%
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 Cattaraugus County 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 Cattaraugus County 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 Cattaraugus County Bank's official website for the most current offers and terms.
Address
116 Main St,
Little Valley, NY 14755 · Cattaraugus
Bank Holding CompanyC C BCORP INC
FDIC Certificate #12959
RegulatorFDIC
EstablishedJanuary 1, 1902
FDIC Insurance DateJanuary 1, 1934
Domestic Offices7
Total Branches7
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
13.81%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.7054%
Return on Equity (ROE)
7.0100%
Non-Performing Loans Ratio (NPL)
1.39%
Total Assets
$384,681,000
Total Deposits
$338,153,000
Equity Capital
$38,751,000
Net Income
$1,339,000
Headquarters
Little Valley
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Cattaraugus County Bank 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.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Cattaraugus County Bank
Does Cattaraugus County Bank offer CDs?
Yes. Cattaraugus County Bank current CD rates include its 24-Month CD Special at 3.90% APY, its 18-Month CD Special at 3.80% APY and its 12-Month CD Special at 3.70% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Cattaraugus County Bank FDIC insured?
Yes. Cattaraugus County 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 Cattaraugus County Bank?
The highest Cattaraugus County Bank CD rate is its 24-Month CD Special at 3.90% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Cattaraugus County Bank offer?
Cattaraugus County Bank CD rates are 3.60% APY for a 6 month CD, 3.40% APY for a 12 month CD, 3.50% APY for an 18 month CD and 3.60% APY for a 2 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 Cattaraugus County Bank for its full lineup.
What is the lowest 30 year fixed mortgage rate at Cattaraugus County Bank?
The lowest Cattaraugus County Bank 30 year fixed mortgage rate is its Portfolio Mortgage Fixed - 30 Years at 8.125%, verified by MonitorBankRates as of November 6, 2026. Cattaraugus County Bank mortgage rates are 8.125% for a 30 year mortgage, 8.125% for a 25 year mortgage, 7.875% for a 20 year mortgage and 7.625% for a 15 year mortgage.
What is the lowest auto loan rate at Cattaraugus County Bank?
The lowest Cattaraugus County Bank auto loan rate is its New Auto Loan at 7.25% APR, verified by MonitorBankRates as of November 6, 2026.
What is the lowest personal loan rate at Cattaraugus County Bank?
The lowest Cattaraugus County Bank personal loan rate is its Home Improvement Loan - Unsecured at 9.75%, verified by MonitorBankRates as of November 6, 2026.
How many branches does Cattaraugus County Bank operate?
Cattaraugus County Bank currently maintains approximately 7 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, Cattaraugus County 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, Cattaraugus County Bank provides members with tools to manage their accounts and build a solid financial history.
Does Cattaraugus County Bank offer online and mobile banking?
Most modern institutions like Cattaraugus County 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.ccblv.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 Cattaraugus County Bank rates compare?
Cattaraugus County Bank's top CD rate of 3.90% APY on a 2 year CD is 33% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A health rating. Cattaraugus County Bank's top rates are its 24-Month CD Special at 3.90% APY, its Portfolio 5/6-Month ARM at 7.50% and its Home Improvement Loan - Unsecured at 9.75% APR, verified by MonitorBankRates on November 6, 2026.
Current Cattaraugus County Bank Rates
12-Month CD3.40%
18-Month CD3.50%
24-Month CD3.60%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
