What are the current interest rates at Chemung Canal Trust Company?

Current rates for Chemung Canal Trust Company include: 12-Month CD: 0.20%, 18-Month CD: 0.03%, 24-Month CD: 0.35%, 36-Month CD: 0.45%, 48-Month CD: 2.00%, 60-Month CD: 0.60%, Savings: 0.03%, MMA: 0.10%

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Chemung Canal Trust Company Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Chemung Canal Trust Company 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 and Verified: October 7, 2026

Chemung Canal Trust Company's top rates as of October 7, 2026 are 4.00% APY on its 12-Months 12-Month CD, 0.03% APY on savings, 0.10% APY on money market accounts, and auto loans from 7.00% APR, according to rates verified by MonitorBankRates. Other Chemung Canal Trust Company CD rates include NEW CD Special: 12-Month at 4.00%, 6-Months 6-Month CD at 3.55%, and NEW CD Special: 6-Month at 3.55%. MonitorBankRates evaluates the financial stability of Chemung Canal Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.61%. Rates last updated and verified on 10/07/2026.

Chemung Canal Trust Company 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 Chemung Canal Trust Company? Share your experience about Chemung Canal Trust Company by leaving a review below, or read customer reviews before you decide to use Chemung Canal Trust Company.

Verified Healthy Q2 2026 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

3.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Chemung Canal Trust Company

1 Chemung Canal Plz
Elmira, NY 14901

https://www.chemungcanal.com

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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.

Chemung Canal Trust Company CD Rates

Product	Rate	APY	Term
12 Month CD	-	4.00%	12 months
Min Deposit $1,000 Details Offer valid for personal and nonprofit clients only. There may be a penalty for early withdrawals. Fees may reduce earnings on accounts. All IRA certificates are subject to IRS tax regulations and penalties. Interest rates may change at any time, without prior notice, before an account is opened. Interest compounds quarterly and is credited quarterly. Effective as of January 2, 2026. Account balance may not exceed $1,000,000 with the exception of future interest payments. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
NEW CD Special: 12 Month	3.94%	4.00%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month CD	-	3.55%	6 months
Min Deposit $1,000 Details Offer valid for personal and nonprofit clients only. There may be a penalty for early withdrawals. Fees may reduce earnings on accounts. All IRA certificates are subject to IRS tax regulations and penalties. Interest rates may change at any time, without prior notice, before an account is opened. Interest compounds quarterly and is credited quarterly. Effective as of January 2, 2026. Account balance may not exceed $1,000,000 with the exception of future interest payments. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
NEW CD Special: 6 Month	3.50%	3.55%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
48 Month Certificate	1.99%	2.00%	48 Month
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 1.50% → 2.00% ▲ 0.50 pts · high 2.00% / low 1.50% Oct 7, 20262.00%▲ from 1.50% Sep 18, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
48 Month IRA Certificate	1.99%	2.00%	48 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
60 Month Certificate	0.60%	0.60%	60 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
60 Month IRA Certificate	0.60%	0.60%	60 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
36 Month Certificate	0.45%	0.45%	36 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
36 Month IRA Certificate	0.45%	0.45%	36 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
24 Month Certificate	0.35%	0.35%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
24 Month IRA Certificate	0.35%	0.35%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
30 Month Certificate	0.35%	0.35%	30 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
30 Month IRA Certificate	0.35%	0.35%	30 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
12 Month Certificate	0.20%	0.20%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
12 Month IRA Certificate	0.20%	0.20%	12 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
18 Month Certificate	0.20%	0.20%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
18 Month IRA Certificate	0.20%	0.20%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month Certificate	0.10%	0.10%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
6 Month IRA Certificate	0.10%	0.10%	6 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
3 Month Certificate	0.05%	0.05%	3 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
3 Month IRA Certificate	0.05%	0.05%	3 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
7-89 Day Certificate	0.05%	0.05%	7-89 days
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
18 Month IRA Certificate	0.03%	0.03%	18 Month - Variable
Min Deposit $100 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Chemung Canal Trust Company Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.03%	0.03%
Min Balance $25,000 Details Balance: HSA (> $25,000) Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Health Savings Account (HSA)	0.02%	0.02%
Min Balance $100 Details Balance: HSA ($100 - $1,999) Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Health Savings Account (HSA)	0.02%	0.02%
Min Balance $2,000 Details Balance: HSA ($2,000 - $4,999) Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Health Savings Account (HSA)	0.02%	0.02%
Min Balance $5,000 Details Balance: HSA ($5,000 - $24,999) Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Personal Savings	0.02%	0.02%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Chemung Canal Trust Company Money Market Rates

Product	Rate	APY
IRA Money Market	0.10%	0.10%
Min Balance $1,000,000 Details Balance: >$1,000,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Personal Prestige IMMA	0.10%	0.10%
Min Balance $25,000 Details $25,000 and above; Balance: $25,000 and above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
IRA Money Market	0.07%	0.07%
Min Balance $500,000 Details Balance: $500,000 - $999,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
IRA Money Market	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 - $499,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Personal Prestige IMMA	0.05%	0.05%
Min Balance $1,000 Details $1,000 - $24,999; Balance: $1,000 - $24,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
IRA Money Market	0.03%	0.03%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	0.03%	0.03%
Min Balance $25,000 Details $25,000 and above; Balance: $25,000 and above Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Money Market	0.02%	0.02%
Min Balance $1,000 Details $1,000 - $24,999; Balance: $1,000 - $24,999 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Chemung Canal Trust Company Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	5.625%	-	5.625%	3 to 5 Years
Details LTV 1st Lien: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 5.63% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	5.875%	-	5.875%	3 to 5 Years
Details LTV: 80% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 5.88% → 5.88% ▼ 0.00 pts · high 5.88% / low 5.63% Sep 24, 20265.88%▲ from 5.63% Sep 18, 20265.63%▼ from 5.88% Sep 15, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	5.875%	-	5.875%	6 to 10 Years
Details LTV 1st Lien: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 5.88% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.00%	-	6.00%	6 to 10 Years
Details LTV 1st Lien: 90% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.125%	-	6.125%	3 to 5 Years
Details LTV: 90% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.13% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.125%	-	6.125%	6 to 10 Years
Details LTV: 80% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.13% → 6.13% ▼ 0.00 pts · high 6.13% / low 5.88% Sep 24, 20266.13%▲ from 5.88% Sep 18, 20265.88%▼ from 6.13% Sep 15, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.25%	-	6.25%	6 to 10 Years
Details LTV: 90% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 6.25% / low 6.00% Sep 24, 20266.25%▲ from 6.00% Sep 18, 20266.00%▼ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.375%	-	6.375%	11 to 15 Years
Details LTV 1st Lien: 80% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.38% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.625%	-	6.625%	11 to 15 Years
Details LTV: 80% Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.63% / low 6.38% Sep 24, 20266.63%▲ from 6.38% Sep 18, 20266.38%▼ from 6.63% Sep 15, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Home Equity Loan	6.875%	-	6.875%	11 to 15 Years
Details LTV: 90% Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.88% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Chemung Canal Trust Company Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	7.00%	-	7.00%	49 months
Details Term: 49 to 60 Months - 0% Down Payment; Credit Score: 740 & Above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	7.25%	-	7.25%	61 months
Details Term: 61 to 72 Months - 0% Down Payment; Credit Score: 740 & Above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	7.75%	-	7.75%	49 months
Details Term: 49 to 60 Months - 0% Down Payment; Credit Score: 740 & Above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	8.00%	-	8.00%	37 months
Details Term: 37 to 48 Months - 0% Down Payment; Credit Score: 740 & Above Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	8.25%	-	8.25%
Details Term: 0 to 60 Months - 0% Down Payment; Credit Score: 700-739 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	8.50%	-	8.50%
Details Term: 0 to 48 Months - 0% Down Payment; Credit Score: 700-739 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	8.75%	-	8.75%
Details Term: 0 to 48 Months - 0% Down Payment; Credit Score: 700-739 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	9.25%	-	9.25%
Details Term: 0 to 48 Months - 0% Down Payment; Credit Score: 700-739 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	9.75%	-	9.75%
Details Term: 0 to 60 Months - 20% Down Payment; Credit Score: 675-699 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	10.75%	-	10.75%
Details Term: 0 to 48 Months - 20% Down Payment; Credit Score: 675-699 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 10.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	11.75%	-	11.75%	0 to 36 Months
Details Credit Score: 740 & Above; Down Payment: 0% Down Payment Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 11.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	12.00%	-	12.00%	0 to 36 Months
Details Credit Score: 740 & Above; Down Payment: 0% Down Payment Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 11.75% → 12.00% ▲ 0.25 pts · high 12.00% / low 11.75% Oct 7, 202612.00%▲ from 11.75% Sep 15, 202611.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	12.50%	-	12.50%	0 to 36 Months
Details Credit Score: 700-739; Down Payment: 10% Down Payment Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 12.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	12.75%	-	12.75%	0 to 36 Months
Details Credit Score: 675-699; Down Payment: 20% Down Payment Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 12.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	13.00%	-	13.00%	0 to 36 Months
Details Credit Score: 675-699; Down Payment: 20% Down Payment Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Oct 7, 202613.00%▲ from 12.75% Sep 15, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	15.25%	-	15.25%	0 to 36 Months
Details Credit Score: 674-660; Down Payment: 20% Down Payment Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 15.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Auto Loan	15.50%	-	15.50%	0 to 36 Months
Details Credit Score: 674-660; Down Payment: 20% Down Payment Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 15.25% → 15.50% ▲ 0.25 pts · high 15.50% / low 15.25% Oct 7, 202615.50%▲ from 15.25% Sep 15, 202615.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

Chemung Canal Trust Company Other Rates

Product	Rate	Points	APY/APR	Term
CLTV 2nd Lien Loan	6.25%	-	6.25%	3 to 5 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.00% → 6.25% ▲ 0.25 pts · high 6.25% / low 6.00% Sep 24, 20266.25%▲ from 6.00% Sep 15, 20266.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.75%	-	6.75%	3 to 5 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.50%	-	6.50%	6 to 10 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 24, 20266.50%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.875%	-	6.875%	6 to 10 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Sep 24, 20266.88%▲ from 6.63% Sep 15, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	7.00%	-	7.00%	11 to 15 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 24, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	7.625%	-	7.625%	11 to 15 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38% Sep 24, 20267.63%▲ from 7.38% Sep 15, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.00%	-	6.00%	3 to 5 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.50%	-	6.50%	3 to 5 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.50% → 6.50% ▼ 0.00 pts · high 6.50% / low 6.25% Oct 7, 20266.50%▲ from 6.25% Sep 18, 20266.25%▼ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.25%	-	6.25%	6 to 10 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.625%	-	6.625%	6 to 10 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.63% → 6.63% ▼ 0.00 pts · high 6.63% / low 6.50% Oct 7, 20266.63%▲ from 6.50% Sep 24, 20266.50%▼ from 6.63% Sep 15, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	6.75%	-	6.75%	11 to 15 Years
Details 80% CLTV Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
CLTV 2nd Lien Loan	7.375%	-	7.375%	11 to 15 Years
Details 90% CLTV Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.38% → 7.38% ▼ 0.00 pts · high 7.63% / low 7.38% Oct 7, 20267.38%▼ from 7.63% Sep 24, 20267.63%▲ from 7.38% Sep 15, 20267.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
Flex+ Loan	-	-	7.00%
Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 19.99% → 7.00% ▼ 12.99 pts · high 19.99% / low 7.00% Sep 18, 20267.00%▼ from 19.99% Sep 15, 202619.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%
NOW	0.02%	-	0.02%
Min Balance $1,000 Details $1,000 and above; Balance: $1,000 and above Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.61%

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Financial Health History

Chemung Canal Trust Company’s Texas Ratio fell from 4.40% in Q3 2023 to 3.61% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.9 to 5.0 and its Health Grade from B to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	3.61%	5.0	A+
March 31, 2026	$2.7B	3.19%	5.0	A+
December 31, 2025	$2.7B	2.73%	5.0	A+
September 30, 2025	$2.7B	2.81%	5.0	A+
June 30, 2025	$2.9B	3.09%	5.0	A+
March 31, 2025	$2.8B	4.54%	5.0	A+
December 31, 2024	$2.8B	4.47%	5.0	A+
September 30, 2024	$2.8B	5.20%	5.0	A+
June 30, 2024	$2.8B	4.51%	5.0	A+
March 31, 2024	$2.8B	4.45%	4.8	A
December 31, 2023	$2.7B	5.80%	4.8	A
September 30, 2023	$2.7B	4.40%	3.9	B

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 Chemung Canal Trust Company 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 Chemung Canal Trust Company 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 Chemung Canal Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Chemung Canal Trust Company

Bank Holding Company CHEMUNG FINANCIAL CORP

Address 1 Chemung Canal Plz, Elmira, NY 14901 · Chemung

Website https://www.chemungcanal.com

FDIC Certificate # 597

Established 18331022

FDIC Insurance Date 19340101

Domestic Offices 30

Total Branches 30

Regulator FED

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

3.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3999%

Return on Equity (ROE) 13.0400%

Non-Performing Loans (NPL) 0.32%

Total Assets $2,818,102,000

Total Deposits $2,371,123,000

Equity Capital $304,452,000

Net Income $19,310,000

Headquarters Elmira

Total Branches and Offices 30

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Chemung Canal Trust Company earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Chemung Canal Trust Company

How many branches does Chemung Canal Trust Company operate?

Chemung Canal Trust Company currently maintains approximately 30 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, Chemung Canal Trust Company 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, Chemung Canal Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Chemung Canal Trust Company offer online and mobile banking?

Most modern institutions like Chemung Canal Trust Company 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.chemungcanal.com.