What are the current interest rates at Dime Bank?

Current rates for Dime Bank include: 12-Month CD: 0.05%, 18-Month CD: 0.10%, 24-Month CD: 0.10%, 36-Month CD: 0.25%, 48-Month CD: 0.30%, 60-Month CD: 0.40%, Savings: 0.03%

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Dime Bank

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Dime Bank Rates & Review September 2026

Q: How many branches does Dime Bank operate?

Dime Bank currently maintains approximately 14 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, Dime 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, Dime 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: September 19, 2026

Dime Bank's 7-Months* Certificate of Deposit Account - 7-Month rates are at 4.00%, 10-Month**** Certificate of Deposit Account - 10-Month rates are at 3.75%, 30-Month*** Certificate of Deposit Account - 30-Month rates are at 2.55%, 16-Month***** Certificate of Deposit Account - 16-Month rates are at 2.50%, 22-Month** Certificate of Deposit Account - 22-Month rates are at 2.40%. Dime Bank's savings rates are at 0.03%. MonitorBankRates evaluates the financial stability of Dime Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.37%. Rates last updated and verified on 09/19/2026.

Dime 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 Dime Bank? Share your experience about Dime Bank by leaving a review below, or read customer reviews before you decide to use Dime Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.37%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Dime Bank

290 Salem Tpke
Norwich, CT 06360

https://www.dime-bank.com

Dime Bank CD Rates

Product	Rate	APY	Term
Certificate of Deposit Account - 7 month	3.92%	4.00%	7 Months*
Min Deposit $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 10 Month	3.68%	3.75%	10 Month****
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Month	2.52%	2.55%	30 Month***
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 16 Month	2.47%	2.50%	16 Month*****
Min Deposit $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 22 Month	2.37%	2.40%	22 Month**
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 5 Years	0.40%	0.40%	5 Years
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 4 Years	0.30%	0.30%	4 Years
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 3 Years	0.25%	0.25%	3 Years
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 18 Month	0.10%	0.10%	18 Month**
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 2 Years	0.10%	0.10%	2 Years
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 1 Year	0.05%	0.05%	1 Year
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 182 Days	0.05%	0.05%	182 Days
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 30 Days	0.05%	0.05%	30 Days
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Certificate of Deposit Account - 91 Days	0.05%	0.05%	91 Days
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Dime Bank Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $14,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Health Savings Account (HSA)	0.10%	0.10%
Min Deposit $25 Min Balance $15,000 Details Balance: $15,000.00 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account	0.05%	0.05%
Min Deposit $500 Min Balance $100,000 Details Maximum Balance to Earn Annual Percentage Yield: $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account	0.05%	0.05%
Min Deposit $500 Min Balance $250,000 Details Maximum Balance to Earn Annual Percentage Yield: $ and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account	0.03%	0.03%
Min Deposit $500 Min Balance $20 Details Maximum Balance to Earn Annual Percentage Yield: $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Corporate Daily Access Savings Account	0.03%	0.03%
Min Deposit $500 Min Balance $25,000 Details Maximum Balance to Earn Annual Percentage Yield: $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Statement Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $20 Details Balance: $20.00 - $4,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Statement Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Statement Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Regular Statement Savings Account	0.03%	0.03%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Dime Bank Checking Rates

Product	Rate	APY
Money Management Checking Account	0.05%	0.05%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Management Checking Account	0.05%	0.05%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Management Checking Account	0.05%	0.05%
Min Deposit $500 Min Balance $500,000 Details Balance: $500,000.00 and up Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Management Checking Account	0.03%	0.03%
Min Deposit $500 Min Balance $20 Details Balance: $20.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%
Money Management Checking Account	0.03%	0.03%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

Dime Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	6.25%	-	6.25%
Details Introductory APR for 12 months. Variable-rate thereafter, currently Prime - 0.5% or 6.25% APR. Introductory Annual Percentage Rate (APR) of 6.25% is fixed for the first year. Your actual (APR) may be different than the rates shown. APR is based on the specific characteristics of your credit application including but not limited to: evaluation of credit history, amount of credit requested, property type, lien position, and combined loan to value. Offer available for new lines only. All loans subject to credit and underwriting approval. After the introductory rate, the APR is a variable rate based on the Wall Street Journal Prime Rate as published in the Wall Street Journal (currently 6.75%) - 0.500%, or 6.25 (subject to the floor/minimum rate of 4.00%, APR 4.00%) (Maximum rate to be charged is 15.00%, APR 15.00%), subject to change. Properties must be located in Owner-occupied primary residences or second homes only. No Trusts or LLCs allowed. $25,000 minimum initial draw is required at closing and must be maintained for at least six months from origination/funding date. The following fees apply: account closure fee of 1% of the current credit limit if the account is closed within 36 months from the date the account is opened; annual fee of $50 due each year of the draw period beginning with the 13th billing cycle; Other fees may apply. Not intended for homes currently for sale or intended to be sold within 12 months of closing. Property insurance is required. Flood insurance where required by law. Offer available for a limited time only and may be withdrawn at any time. Rates subject to change. Other restrictions may apply. Consult your tax advisor regarding the deductibility of interest. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.37%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Dime Bank’s Texas Ratio stayed near 1.01% in Q3 2023 to 1.37% 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	$1.2B	1.37%	5.0	A+
March 31, 2026	$1.2B	0.78%	5.0	A+
December 31, 2025	$1.2B	1.86%	5.0	A+
September 30, 2025	$1.2B	2.67%	5.0	A+
June 30, 2025	$1.2B	2.14%	5.0	A+
March 31, 2025	$1.2B	2.34%	5.0	A+
December 31, 2024	$1.2B	2.33%	5.0	A+
September 30, 2024	$1.2B	0.81%	5.0	A+
June 30, 2024	$1.1B	1.37%	5.0	A+
March 31, 2024	$1.2B	0.77%	5.0	A+
December 31, 2023	$1.2B	0.94%	5.0	A+
September 30, 2023	$1.1B	1.01%	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 Dime 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 Dime 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 Dime Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Dime Bank

FDIC Certificate # 18200

Address 290 Salem Tpke, Norwich, CT 06360 · Southeastern Connecticut

Website https://www.dime-bank.com

Established 18690101

FDIC Insurance Date 19600701

Domestic Offices 14

Total Branches 14

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.37%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9469%

Return on Equity (ROE) 8.5500%

Non-Performing Loans (NPL) 0.15%

Total Assets $1,205,489,000

Total Deposits $933,480,000

Equity Capital $136,480,000

Net Income $5,714,000

Headquarters Norwich

Total Branches and Offices 14

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Dime Bank earned the Verified Healthy badge

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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 Dime Bank

How many branches does Dime Bank operate?

Dime Bank currently maintains approximately 14 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, Dime 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, Dime Bank provides members with tools to manage their accounts and build a solid financial history.

Does Dime Bank offer online and mobile banking?

Most modern institutions like Dime 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.dime-bank.com.