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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 ConnectOne Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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
ConnectOne Bank's 4-Month Penalty-Free CD rates are at 3.75%, 7-Month CD rates are at 3.75%, 11-Month CD rates are at 3.20%, 17-Month CD rates are at 2.75%, 23-Month CD rates are at 2.75%. ConnectOne Bank's savings rates are at 3.10%. ConnectOne Bank's money market rates are at 2.10%. ConnectOne Bank's checking rates are as high as 1.00%. ConnectOne Bank's 15 Year Fixed rates are at 6.25%, 10/6 ARM rates are at 6.125%, 7/6 ARM rates are at 6.00%, 5/6 ARM rates are at 5.875%, 20 Year Fixed rates are at 6.625%. ConnectOne Bank's Personal Loan Rates are as low as 15.00%. ConnectOne Bank's top CD rate of 3.75% APY on a 4 month CD is 59% higher than the MonitorBankRates national average of 2.36% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of ConnectOne Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.58%. Rates last updated and verified on 11/05/2026. ConnectOne 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 ConnectOne Bank? Share your experience about ConnectOne Bank by leaving a review below, or read customer reviews before you decide to use ConnectOne Bank. 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. ConnectOne Bank CD Rates
ConnectOne Bank Savings Rates
ConnectOne Bank Money Market Rates
ConnectOne Bank Business Money Market Rates
ConnectOne Bank Checking Rates
ConnectOne Bank Mortgage Rates
ConnectOne Bank Home Equity & HELOC
ConnectOne Bank Auto Loan Rates
ConnectOne Bank Personal Loan Rates
Financial Health HistoryConnectOne Bank’s Texas Ratio stayed near 4.57% in Q3 2023 to 4.58% 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 5.0 to 5.0. 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for ConnectOne 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 ConnectOne 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 ConnectOne Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
ConnectOne Bank
Website
https://www.connectonebank.com
Address
301 Sylvan Ave,
Englewood Cliffs, NJ 07632 · Bergen
Bank Holding Company
CONNECTONE BCORP INC
FDIC Certificate #
57919
Regulator
FDIC
Established
January 15, 2005
FDIC Insurance Date
January 15, 2005
Domestic Offices
57
Total Branches
57
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.58%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2402%
Return on Equity (ROE)
10.1300%
Non-Performing Loans Ratio (NPL)
0.56%
Total Assets
$14,402,382,000
Total Deposits
$11,795,842,000
Equity Capital
$1,765,243,000
Net Income
$88,044,000
Headquarters
Englewood Cliffs
Total Branches and Offices
57
Source: FDIC — Last Updated June 30, 2026
Customer ReviewsNadsWJ
November 8, 2026
I\'ve had an awesome experience in the last month being a new customer at the Summit branch. Most importantly I would like to mention Issac who has been exceptional in every aspect of my inquiries, thank you Isaac for being an amazing people person. The overall branch staffs are very pleasant, customer friendly and attentive to all,great customer support team.
Want to discuss ConnectOne Bank with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for ConnectOne Bank
Frequently Asked Questions About ConnectOne BankDoes ConnectOne Bank offer CDs?Yes. ConnectOne Bank current CD rates include its 4-Month Penalty-Free CD at 3.75% APY, its 7-Month CD at 3.75% APY and its 11-Month CD at 3.20% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from ConnectOne Bank FDIC insured?Yes. ConnectOne 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 ConnectOne Bank?The highest ConnectOne Bank CD rate is its 4-Month Penalty-Free CD at 3.75% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does ConnectOne Bank offer?ConnectOne Bank CD rates are 3.75% APY for a 4 month CD, 3.75% APY for a 7 month CD, 3.20% APY for an 11 month CD, 3.20% APY for a 12 month CD, 2.75% APY for a 17 month CD, 2.75% APY for an 18 month CD, 2.75% APY for a 23 month CD and 2.75% APY for a 2 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 ConnectOne Bank for its full lineup. What is the highest savings rate at ConnectOne Bank?The highest ConnectOne Bank savings rate is its Connection Plus Savings at 3.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at ConnectOne Bank?The highest ConnectOne Bank money market rate is its Connect Money Market at 2.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at ConnectOne Bank?The highest ConnectOne Bank checking rate is its Consumer Interest Checking at 1.00% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest 30 year fixed mortgage rate at ConnectOne Bank?The lowest ConnectOne Bank 30 year fixed mortgage rate is its 30 Year Fixed at 6.875%, verified by MonitorBankRates as of November 5, 2026. ConnectOne Bank mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.25% for a 15 year mortgage, 6.75% for a 10 year mortgage, 5.875% for a 5/6 ARM, 6.00% for a 7/6 ARM and 6.125% for a 10/6 ARM. What is the lowest auto loan rate at ConnectOne Bank?The lowest ConnectOne Bank auto loan rate is its Auto - New at 6.25% APR, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at ConnectOne Bank?The lowest ConnectOne Bank personal loan rate is its Personal Unsecured Loan at 15.00% APR, verified by MonitorBankRates as of November 5, 2026. How many branches does ConnectOne Bank operate?ConnectOne Bank currently maintains approximately 57 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, ConnectOne 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, ConnectOne Bank provides members with tools to manage their accounts and build a solid financial history. Does ConnectOne Bank offer online and mobile banking?Most modern institutions like ConnectOne 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.connectonebank.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 ConnectOne Bank rates compare?ConnectOne Bank's top CD rate of 3.75% APY on a 4 month CD is 59% higher than the MonitorBankRates national average of 2.36% APY for that term, and it has an A+ health rating. ConnectOne Bank's top rates are its 4-Month Penalty-Free CD at 3.75% APY, its Connection Plus Savings at 3.10% APY, its Connect Money Market at 2.10% APY, its Consumer Interest Checking at 1.00% APY, its 5/6 ARM at 5.875% and its Personal Unsecured Loan at 15.00% APR, verified by MonitorBankRates on November 5, 2026. Current ConnectOne Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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