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Charles River 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 5, 2026
Charles River Bank's 12-Month CD rates are at 3.75%, 18-Month CD rates are at 3.50%, 24-Month CD rates are at 3.00%, 30-Month CD rates are at 3.00%, 36-Month CD rates are at 3.00%. Charles River Bank's savings rates are at 0.05%. Charles River Bank's money market rates are at 0.25%. Charles River Bank's checking rates are as high as 0.05%. Charles River Bank's 5/1 Year Adjustable Rate Loan rates are at 5.75%, Conventional Mortgage - 10 Year Fixed rates are at 5.50%, Conventional Mortgage - 15 Year Fixed rates are at 5.875%, Conventional Mortgage - 20 Year Fixed rates are at 6.25%, Conventional Mortgage - 30 Year Fixed rates are at 6.75%. Charles River Bank's Auto Loan Rates are as low as 6.50%. Charles River Bank's top CD rate of 3.75% APY on a 12 month CD is 24% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Charles River Bank with a 4.4 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 5.05%. Rates last updated and verified on 11/05/2026.
Charles River 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 Charles River Bank? Share your experience about Charles River Bank by leaving a review below, or read customer reviews before you decide to use Charles River Bank.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 92/100
Overall Health & Safety Grade
Charles River Bank has earned an overall safety grade of A- (Very Good, Score: 92/100).
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
?
4.4
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Charles River Bank has earned a Star Rating of 4.4 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
?
5.05%
ExcellentLower than avg
Charles River Bank Texas Ratio
Charles River Bank's Texas Ratio is 5.05%, which is considered excellent and is lower than the national average of 5.85%.
Charles River 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.
1.63% to 5.05% over 12 quarters, steadyFull history
Star Rating 2.8 to 4.4, Health Grade C+ 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.
Charles River Bank CD Rates
Product
Rate
APY
Term
View More
12-Month CD
3.69%
3.75%
12 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.75% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 12-Month CD
3.69%
3.75%
12 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
18-Month CD
3.45%
3.50%
18 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 18-Month CD
3.45%
3.50%
18 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
24-Month CD
2.96%
3.00%
24 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
30-Month CD
2.96%
3.00%
30 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
36-Month CD
2.96%
3.00%
36 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
42-Month CD
2.96%
3.00%
42 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
48-Month CD
2.96%
3.00%
48 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
60-Month CD
2.96%
3.00%
60 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 24-Month CD
2.96%
3.00%
24 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 30-Month CD
2.96%
3.00%
30 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 36-Month CD
2.96%
3.00%
36 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 42-Month CD
2.96%
3.00%
42 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 48-Month CD
2.96%
3.00%
48 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 60-Month CD
2.96%
3.00%
60 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 6-Month CD
2.50%
2.53%
6 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.53% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
6-Month CD
2.47%
2.50%
6 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
3-Month CD
2.23%
2.25%
3 Month
Min Balance$1,000
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.25% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
IRA 3-Month CD
2.22%
2.25%
3 Month
Min Balance$400
DetailsRates effective as of 09/30/2025
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Savings Rates
Product
Rate
APY
View More
Passbook Savings
0.05%
0.05%
Min Deposit$10
Min Balance$10
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Quarterly Statement Savings
0.05%
0.05%
Min Deposit$10
Min Balance$10
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 13 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Statement Savings
0.05%
0.05%
Min Deposit$10
Min Balance$10
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Money Market Rates
Product
Rate
APY
View More
Statement Money Market Account
0.25%
0.25%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Statement Money Market Account
0.20%
0.20%
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Statement Money Market Account
0.15%
0.15%
Min Balance$15,000
DetailsBalance: $15,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Statement Money Market Account
0.10%
0.10%
Min Balance$10
DetailsBalance: $10 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Business Money Market Rates
Product
Rate
APY
View More
Commercial Money Market Account
0.10%
0.10%
Min Deposit$1,000
Min Balance$500,000
DetailsMinimum balance to obtain APY: $500,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Commercial Money Market Account
0.10%
0.10%
Min Deposit$1,000
Min Balance$200,000
DetailsMinimum balance to obtain APY: $200,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Commercial Money Market Account
0.10%
0.10%
Min Deposit$1,000
Min Balance$100,000
DetailsMinimum balance to obtain APY: $100,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Commercial Money Market Account
0.07%
0.07%
Min Deposit$1,000
Min Balance$50,000
DetailsMinimum balance to obtain APY: $50,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.07% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Commercial Money Market Account
0.05%
0.05%
Min Deposit$1,000
Min Balance$15,000
DetailsMinimum balance to obtain APY: $15,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Commercial Money Market Account
0.03%
0.03%
Min Deposit$1,000
Min Balance$10
DetailsMinimum balance to obtain APY: $10
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.03% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Checking Rates
Product
Rate
APY
View More
Choice Plus Checking
0.05%
0.05%
Min Deposit$100
Min Balance$500
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Premier Checking
0.05%
0.05%
Min Deposit$100
Min Balance$10
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
5/1 Year Adjustable Rate Loan
5.75%
0.000
5.792%
30 years
DetailsMonths: 1 - 60; Points: No Points; ARM with No PMI; Maximum Loan Amounts: One Unit $832,750.00
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 5.79% APR · checked 3 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 10 Year Fixed
5.50%
2
6.046%
10 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 6.55% → 6.05% ▼ 0.50 pts · high 6.80% / low 6.05%
Nov 5, 20266.05%▼ from 6.30%
Oct 31, 20266.30%▼ from 6.80%
Sep 27, 20266.80%▲ from 6.55%
Sep 24, 20266.55%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 10 Year Fixed
5.875%
1
6.198%
10 years
No additional details.
Last Updated11/05/2026
Rate History
4 changes since Sep 24, 2026 · 6.70% → 6.20% ▼ 0.50 pts · high 6.95% / low 6.20%
Nov 5, 20266.20%▼ from 6.45%
Oct 31, 20266.45%▼ from 6.95%
Oct 7, 20266.95%▲ from 6.83%
Sep 27, 20266.83%▲ from 6.70%
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 15 Year Fixed
5.875%
2
6.263%
15 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 6.52% → 6.26% ▼ 0.25 pts · high 6.77% / low 6.26%
Nov 5, 20266.26%▼ from 6.39%
Oct 31, 20266.39%▼ from 6.77%
Oct 7, 20266.77%▲ from 6.52%
Sep 24, 20266.52%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 15 Year Fixed
6.125%
1
6.355%
15 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 6.61% → 6.36% ▼ 0.25 pts · high 6.86% / low 6.36%
Nov 5, 20266.36%▼ from 6.61%
Oct 31, 20266.61%▼ from 6.86%
Oct 7, 20266.86%▲ from 6.61%
Sep 24, 20266.61%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 10 Year Fixed
6.375%
0
6.476%
10 years
No additional details.
Last Updated11/05/2026
Rate History
4 changes since Sep 24, 2026 · 6.98% → 6.48% ▼ 0.50 pts · high 7.23% / low 6.48%
Nov 5, 20266.48%▼ from 6.73%
Oct 31, 20266.73%▼ from 7.23%
Oct 7, 20267.23%▲ from 7.10%
Sep 27, 20267.10%▲ from 6.98%
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 20 Year Fixed
6.25%
2
6.563%
20 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 6.82% → 6.56% ▼ 0.25 pts · high 7.20% / low 6.56%
Nov 5, 20266.56%▼ from 6.69%
Oct 31, 20266.69%▼ from 7.20%
Oct 7, 20267.20%▲ from 6.82%
Sep 24, 20266.82%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 20 Year Fixed
6.50%
1
6.686%
20 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 7.06% → 6.69% ▼ 0.38 pts · high 7.32% / low 6.69%
Oct 31, 20266.69%▼ from 7.32%
Oct 7, 20267.32%▲ from 7.19%
Sep 24, 20267.19%▲ from 7.06%
Sep 24, 20267.06%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 15 Year Fixed
6.625%
0
6.697%
15 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 6.95% → 6.70% ▼ 0.25 pts · high 7.07% / low 6.70%
Nov 5, 20266.70%▼ from 6.82%
Oct 31, 20266.82%▼ from 7.07%
Oct 7, 20267.07%▲ from 6.95%
Sep 24, 20266.95%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 20 Year Fixed
6.875%
0
6.933%
20 years
No additional details.
Last Updated11/05/2026
Rate History
4 changes since Sep 24, 2026 · 7.18% → 6.93% ▼ 0.25 pts · high 7.56% / low 6.93%
Nov 5, 20266.93%▼ from 7.06%
Oct 31, 20267.06%▼ from 7.56%
Oct 7, 20267.56%▲ from 7.31%
Sep 24, 20267.31%▲ from 7.18%
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 30 Year Fixed
6.75%
2
6.994%
30 years
No additional details.
Last Updated11/05/2026
Rate History
2 changes since Sep 24, 2026 · 7.12% → 6.99% ▼ 0.13 pts · high 7.38% / low 6.99%
Oct 31, 20266.99%▼ from 7.38%
Oct 7, 20267.38%▲ from 7.12%
Sep 24, 20267.12%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 30 Year Fixed
7.00%
1
7.145%
30 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 7.15% → 7.15% ▼ 0.00 pts · high 7.52% / low 7.15%
Oct 31, 20267.15%▼ from 7.52%
Oct 7, 20267.52%▲ from 7.27%
Sep 24, 20267.27%▲ from 7.15%
Sep 24, 20267.15%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 30 Year Fixed
7.25%
0
7.295%
30 years
No additional details.
Last Updated11/05/2026
Rate History
3 changes since Sep 24, 2026 · 7.30% → 7.30% ▼ 0.00 pts · high 7.67% / low 7.30%
Oct 31, 20267.30%▼ from 7.67%
Oct 7, 20267.67%▲ from 7.42%
Sep 24, 20267.42%▲ from 7.30%
Sep 24, 20267.30%first recorded
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Conventional Mortgage - 30 Year Fixed - Portfolio
7.375%
0
7.421%
30 years
No additional details.
Last Updated11/05/2026
Rate History
No change since Oct 31, 2026 · 7.42% APR · checked 2 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Jumbo Loan Rate - Fixed
7.50%
0
7.546%
30 years
DetailsPayments per $1,000 borrowed: $6.99; Loan requests over $1,000,000 priced case-by-case
Last Updated11/05/2026
Rate History
6 changes since Sep 19, 2026 · 7.42% → 7.55% ▲ 0.13 pts · high 7.92% / low 7.42%
Oct 26, 20267.55%▼ from 7.67%
Oct 14, 20267.67%▼ from 7.92%
Oct 7, 20267.92%▲ from 7.80%
Oct 1, 20267.80%▲ from 7.67%
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
5/1 Year Adjustable Rate Loan
7.75%
0.000
7.797%
30 years
DetailsMonths: 61 - 360; Points: No Points; ARM with No PMI; Maximum Loan Amounts: One Unit $832,750.00
Last Updated11/05/2026
Rate History
No change since Oct 26, 2026 · 7.80% APR · checked 3 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit
-
-
6.50%
20 Year
DetailsHome Equity Lines of Credit: $10,000 to $500,000; No Points; 10 Year Draw followed by a 10 Year Repayment Period; Prime Rate minus 0.50%; No Floor Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 6.50% APR · checked 5 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Adjustable Rate Home Equity Loan - 20 Year 5/1 ARM
6.75%
0
6.75%
20 Year
DetailsAdjustable rate; APR may increase during the life of the loan (1 Year Treasury index + 2.75% margin, rounded to nearest one-eighth point; 2% adjustment cap per change, 6% lifetime cap)
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 5 Years
6.75%
0
6.75%
5 Years
DetailsWith autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 10 Years
7.00%
0
7.00%
10 Years
DetailsWith autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 12 Years
7.00%
0
7.00%
12 Years
DetailsWith autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 5 Years Without pay
7.00%
0
7.00%
5 Years
DetailsWithout autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 15 Years
7.125%
0
7.125%
15 Years
DetailsWith autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.13% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 10 Years Without pay
7.25%
0
7.25%
10 Years
DetailsWithout autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 12 Years Without pay
7.25%
0
7.25%
12 Years
DetailsWithout autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 15 Years Without pay
7.375%
0
7.375%
15 Years
DetailsWithout autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.38% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 20 Years
7.375%
0
7.375%
20 Years
DetailsWith autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.38% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Home Equity Loan - 20 Years Without pay
7.625%
0
7.625%
20 Years
DetailsWithout autopay; APR is .25% higher without autopay from a Charles River Bank deposit account
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.63% APR · checked 15 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto Loan
-
-
6.50%
24 Months
DetailsModel Year: 2025-2026; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
6.75%
36 Months
DetailsModel Year: 2025-2026; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
6.99%
48 Months
DetailsModel Year: 2025-2026; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.99% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
7.25%
60 Months
DetailsModel Year: 2025-2026; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.25% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
7.50%
72 Months
DetailsModel Year: 2025-2026; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.50% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
7.50%
24 months
DetailsModel Year: 2020-2024; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.50% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
7.75%
36 Months
DetailsModel Year: 2020-2024; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.75% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
8.00%
48 Months
DetailsModel Year: 2020-2024; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Auto Loan
-
-
8.25%
60 Months
DetailsModel Year: 2020-2024; Rate/APR column; APR effective as of 2/10/26 and subject to change; APR is .50% higher without autopay from a Charles River Bank deposit account; 10% down payment required; auto insurance required
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 8.25% APR · checked 12 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Charles River Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Fund Account
0.20%
-
0.20%
Min Deposit$10
Min Balance$50,000
DetailsBalance: $50,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Fund Account
0.15%
-
0.15%
Min Balance$15,000
DetailsBalance: $15,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Fund Account
0.10%
-
0.10%
Min Balance$10
DetailsBalance: $10 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Holiday Account
0.05%
-
0.05%
Min Balance$2
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 14 times
Institution Ratings
4.4
Star Rating
A-
Health Grade
◈ Texas Ratio: 5.05%
Financial Health History
Charles River Bank’s Texas Ratio rose from 1.63% in Q3 2023 to 5.05% 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 2.8 to 4.4 and its Health Grade from C+ 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
$336M
5.05%
4.4
A-
March 31, 2026
$330M
5.15%
4.4
A-
December 31, 2025
$322M
5.55%
4.5
A-
September 30, 2025
$325M
5.77%
4.3
B+
June 30, 2025
$320M
6.51%
4.1
B+
March 31, 2025
$312M
6.34%
4.0
B+
December 31, 2024
$312M
1.69%
3.7
B
September 30, 2024
$304M
1.57%
4.4
A-
June 30, 2024
$302M
1.84%
3.7
B
March 31, 2024
$295M
1.93%
3.8
B+
December 31, 2023
$303M
1.49%
3.8
B+
September 30, 2023
$307M
1.63%
2.8
C+
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 Charles River 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 Charles River 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 Charles River Bank's official website for the most current offers and terms.
There are no reviews for Charles River 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.
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Frequently Asked Questions About Charles River Bank
Does Charles River Bank offer CDs?
Yes. Charles River Bank current CD rates include its 12-Month CD at 3.75% APY, its 18-Month CD at 3.50% APY and its 24-Month CD at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Charles River Bank FDIC insured?
Yes. Charles River 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 Charles River Bank?
The highest Charles River Bank CD rate is its 12-Month CD at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Charles River Bank offer?
Charles River Bank CD rates are 3.75% APY for a 12 month CD, 3.50% APY for an 18 month CD, 3.00% APY for a 2 year CD, 3.00% APY for a 30 month CD, 3.00% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Charles River Bank for its full lineup.
What is the highest savings rate at Charles River Bank?
The highest Charles River Bank savings rate is its Passbook Savings at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Charles River Bank?
The highest Charles River Bank money market rate is its Statement Money Market Account at 0.25% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Charles River Bank?
The highest Charles River Bank checking rate is its Choice Plus Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest 30 year fixed mortgage rate at Charles River Bank?
The lowest Charles River Bank 30 year fixed mortgage rate is its Conventional Mortgage - 30 Year Fixed at 6.75%, verified by MonitorBankRates as of November 5, 2026. Charles River Bank mortgage rates are 6.75% for a 30 year mortgage, 6.25% for a 20 year mortgage, 5.875% for a 15 year mortgage, 5.50% for a 10 year mortgage and 5.75% for a 1 year mortgage.
What is the lowest auto loan rate at Charles River Bank?
The lowest Charles River Bank auto loan rate is its Auto Loan at 6.50% APR, verified by MonitorBankRates as of November 5, 2026.
How many branches does Charles River Bank operate?
Charles River Bank currently maintains approximately 4 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, Charles River 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, Charles River Bank provides members with tools to manage their accounts and build a solid financial history.
Does Charles River Bank offer online and mobile banking?
Most modern institutions like Charles River 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.charlesriverbank.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 Charles River Bank rates compare?
Charles River Bank's top CD rate of 3.75% APY on a 12 month CD is 24% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A- health rating. Charles River Bank's top rates are its 12-Month CD at 3.75% APY, its Passbook Savings at 0.05% APY, its Statement Money Market Account at 0.25% APY, its Choice Plus Checking at 0.05% APY, its Conventional Mortgage - 10 Year Fixed at 5.50% and its Auto Loan at 6.50% APR, verified by MonitorBankRates on November 5, 2026.
Current Charles River Bank Rates
12-Month CD3.75%
18-Month CD3.50%
24-Month CD3.00%
36-Month CD3.00%
48-Month CD3.00%
60-Month CD3.00%
Savings0.05%
MMA0.25%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
