What are the current interest rates at ConnectOne Bank?

Current rates for ConnectOne Bank include: 12-Month CD: 3.20%, 18-Month CD: 2.75%, 24-Month CD: 2.75%, Savings: 3.10%, MMA: 2.10%

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ConnectOne Bank Rates & Review October 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

ConnectOne Bank's top rates as of October 7, 2026 are 3.75% APY on its 4-Month Penalty-Free CD, 3.10% APY on savings, 2.10% APY on money market accounts, 1.00% APY on checking, 6.00% on its 5/6 ARM mortgage, and personal loans from 14.50% APR, according to rates verified by MonitorBankRates. Other ConnectOne Bank CD rates include 7-Month Certificate at 3.75%, 7-Month Time Deposit at 3.75%, and 11-Month Certificate at 3.20%. Other ConnectOne Bank mortgage rates include 10/6 ARM at 6.25%, 7/6 ARM at 6.125%, and 15 Year Fixed at 6.50%. 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 10/07/2026.

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.

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

4.58%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

ConnectOne Bank

301 Sylvan Ave
Englewood Cliffs, NJ 07632

https://www.connectonebank.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.

ConnectOne Bank CD Rates

Product	Rate	APY	Term
4 Month Penalty-Free	3.68%	3.75%	4 Month
Min Deposit $500 Details No early withdrawal penalties will be imposed on the 4 Month Time Deposit unless some or all of the funds are withdrawn within 7 days of account opening. If the account is withdrawn within 7 days of opening, you will forfeit any interest earned. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
7 Month Certificate	3.68%	3.75%	7 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
7 Month Time Deposit	3.68%	3.75%	7 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
11 Month Certificate	3.15%	3.20%	11 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 3.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
17 Month Certificate	2.71%	2.75%	17 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
23 Month Certificate	2.71%	2.75%	23 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
23 Month Time Deposit	2.71%	2.75%	23 Month
Min Deposit $500 Details The terms advertised above are Promotional Rates. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Savings Rates

Product	Rate	APY
Connection Plus Savings	3.05%	3.10%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Connection Plus Savings	2.95%	3.00%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Money Market Rates

Product	Rate	APY
Connect Money Market	2.08%	2.10%
Min Balance $25,000 Details Balance: $25,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Connect Money Market	1.98%	2.00%
Min Balance $0 Details Balance: $0.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Business Money Market Rates

Product	Rate	APY
Business Impact Money Market	1.09%	1.10%
Min Balance $750,000 Details Balance: $750,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Business Impact Money Market	1.00%	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $749,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Business Impact Money Market	0.90%	0.90%
Min Balance $2,500 Details Balance: $2,500.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Checking Rates

Product	Rate	APY	View More
Consumer Interest Checking	0.99%	1.00%
Min Balance $1,000 Details Balance: $1,000.00+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Mortgage Rates

Product	Rate	Points	APR	Term
10/6 ARM	6.25%	0	6.59%	10/6 ARM
Details Max Loan: $832,750; Cost/Thousand: $6.18; Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (120 months fixed; after the fixed period, the interest rate will adjust once every six months). Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.30% → 6.59% ▲ 0.29 pts · high 6.59% / low 6.30% Oct 1, 20266.59%▲ from 6.42% Sep 18, 20266.42%▲ from 6.30% Sep 15, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
7/6 ARM	6.125%	0	6.61%	7/6 ARM
Details Max Loan: $832,750; Cost/Thousand: $6.10; Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (84 months fixed; after the fixed period, the interest rate will adjust once every six months). Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.38% → 6.61% ▲ 0.23 pts · high 6.61% / low 6.38% Oct 1, 20266.61%▲ from 6.47% Sep 18, 20266.47%▲ from 6.38% Sep 15, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
5/6 ARM	6.00%	0	6.64%	5/6 ARM
Details Max Loan: $832,750; Cost/Thousand: $6.02; Adjustable Rate Mortgage (ARM) interest rates and payments are subject to increase after the initial fixed-rate period (60 months fixed; after the fixed period, the interest rate will adjust once every six months). Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.44% → 6.64% ▲ 0.20 pts · high 6.64% / low 6.44% Oct 1, 20266.64%▲ from 6.51% Sep 18, 20266.51%▲ from 6.44% Sep 15, 20266.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
15 Year Fixed	6.50%	0	6.67%	15 Year
Details Max Loan: $832,750; Cost/Thousand: $8.77 Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.15% → 6.67% ▲ 0.52 pts · high 6.67% / low 6.15% Oct 1, 20266.67%▲ from 6.41% Sep 18, 20266.41%▲ from 6.15% Sep 15, 20266.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
10 Year Fixed	6.875%	0	7.10%	10 Year
Details Max Loan: $832,750; Cost/Thousand: $11.63 Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.60% → 7.10% ▲ 0.50 pts · high 7.10% / low 6.60% Oct 1, 20267.10%▲ from 6.97% Sep 18, 20266.97%▲ from 6.60% Sep 15, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
30 Year Fixed	7.25%	0	7.35%	30 Year
Details Max Loan: $832,750; Cost/Thousand: $6.85 Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.60% → 7.35% ▲ 0.75 pts · high 7.35% / low 6.60% Oct 7, 20267.35%▲ from 7.22% Oct 1, 20267.22%▲ from 6.97% Sep 18, 20266.97%▲ from 6.60% Sep 15, 20266.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
20 Year Fixed	7.25%	0	7.38%	20 Year
Details Max Loan: $832,750; Cost/Thousand: $7.95 Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.50% → 7.38% ▲ 0.88 pts · high 7.38% / low 6.50% Oct 7, 20267.38%▲ from 7.25% Oct 1, 20267.25%▲ from 7.00% Sep 18, 20267.00%▲ from 6.50% Sep 15, 20266.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	7.75%	60 months
Details Loan Amount: $25,000-$500,000; APR** with Auto Deduct: 7.25% Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Oct 7, 20267.75%▲ from 7.50% Oct 1, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Home Equity Loan	-	-	7.875%	120 months
Details Loan Amount: $25,000-$500,000; APR** with Auto Deduct: 7.375% Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.63% → 7.88% ▲ 0.25 pts · high 7.88% / low 7.63% Oct 7, 20267.88%▲ from 7.63% Oct 1, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Home Equity Loan	-	-	8.00%	180 months
Details Loan Amount: $25,000-$500,000; APR** with Auto Deduct: 7.50% Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.75% → 8.00% ▲ 0.25 pts · high 8.00% / low 7.75% Oct 7, 20268.00%▲ from 7.75% Oct 1, 20267.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

ConnectOne Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	14.50%	24 / 36 / 60 Months
Details Additional APR listed for this product: 15.00%. Acceptable Collateral: Collateral Not Applicable Last Updated 10/07/2026 Rate History 1 change since Sep 27, 2026 · 15.00% → 14.50% ▼ 0.50 pts · high 15.00% / low 14.50% Oct 7, 202614.50%▼ from 15.00% Sep 27, 202615.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

ConnectOne 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

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	$14.4B	4.58%	5.0	A+
March 31, 2026	$14.2B	2.85%	5.0	A+
December 31, 2025	$14.0B	3.70%	5.0	A+
September 30, 2025	$14.0B	2.40%	5.0	A+
June 30, 2025	$13.9B	2.40%	5.0	A+
March 31, 2025	$9.8B	3.87%	5.0	A+
December 31, 2024	$9.9B	4.49%	5.0	A+
September 30, 2024	$9.6B	4.27%	5.0	A+
June 30, 2024	$9.7B	3.65%	5.0	A+
March 31, 2024	$9.8B	5.66%	5.0	A+
December 31, 2023	$9.8B	4.19%	5.0	A+
September 30, 2023	$9.7B	4.57%	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 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

Institution Name ConnectOne Bank

Bank Holding Company CONNECTONE BCORP INC

Address 301 Sylvan Ave, Englewood Cliffs, NJ 07632 · Bergen

Website https://www.connectonebank.com

FDIC Certificate # 57919

Established 20050115

FDIC Insurance Date 20050115

Domestic Offices 57

Total Branches 57

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.58%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2402%

Return on Equity (ROE) 10.1300%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

ConnectOne Bank 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About ConnectOne Bank

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.