What are the current interest rates at DR Bank?

Current rates for DR Bank include: 12-Month CD: 4.30%, Savings: 0.05%, MMA: 1.05%

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DR Bank Rates & Review September 2026

Q: How many branches does DR Bank operate?

DR Bank currently maintains approximately 2 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, DR 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, DR 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 14, 2026

DR Bank's 12-Month Certificate rates are at 4.30%, 6-Month Certificate rates are at 4.30%, 3-Month Certificate rates are at 4.05%. DR Bank's savings rates are at 0.05%. DR Bank's money market rates are at 1.05%. MonitorBankRates evaluates the financial stability of DR Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.17%. Rates last updated and verified on 09/14/2026.

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

1.17%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

DR Bank

1001 Post Rd
Darien, CT 06820

https://www.drbank.com

DR Bank CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	4.30%	12 month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
6 Month Certificate	-	4.30%	6 month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
3 Month Certificate	-	4.05%	3 month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

DR Bank Savings Rates

Product	Rate	APY
PRIME SAVINGS	-	1.25%
Min Balance $5,000 Details BALANCE OF $5,000 OR MORE Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
PRIME SAVINGS	-	0.75%
Min Balance $5,000 Details BALANCE OF LESS THAN $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS SAVINGS	-	0.50%
Min Deposit $500 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS SAVINGS	-	0.20%
Min Deposit $500 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS SAVINGS	-	0.15%
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS SAVINGS	-	0.10%
Min Deposit $500 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS SAVINGS	-	0.05%
Min Deposit $500 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

DR Bank Money Market Rates

Product	Rate	APY
PRIME MONEY MARKET	-	2.50%
Min Balance $100,000 Details BALANCE OF $100,000 OR MORE Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
PRIME MONEY MARKET	-	1.05%
Min Balance $100,000 Details BALANCE OF LESS THAN $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

DR Bank Checking Rates

Product	Rate	APY
PRIME CHECKING	-	0.10%
Min Balance $5,000 Details BALANCE OF $5,000 OR MORE Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
BUSINESS NOW CHECKING & IOLTA	-	0.05%
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%
PRIME CHECKING	-	0.05%
Min Balance $5,000 Details BALANCE OF LESS THAN $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.17%

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

DR Bank’s Texas Ratio rose from 0.38% in Q3 2023 to 1.17% 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	$913M	1.17%	5.0	A+
March 31, 2026	$861M	1.51%	5.0	A+
December 31, 2025	$839M	0.53%	5.0	A+
September 30, 2025	$782M	0.45%	5.0	A+
June 30, 2025	$725M	0.85%	5.0	A+
March 31, 2025	$712M	0.70%	5.0	A+
December 31, 2024	$692M	0.26%	5.0	A+
September 30, 2024	$704M	0.28%	5.0	A+
June 30, 2024	$647M	0.49%	5.0	A+
March 31, 2024	$617M	0.87%	5.0	A+
December 31, 2023	$616M	0.30%	5.0	A+
September 30, 2023	$551M	0.38%	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 DR 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 DR 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 DR Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name DR Bank

Bank Holding Company ALCAR INC

Address 1001 Post Rd, Darien, CT 06820 · Western Connecticut

Website https://www.drbank.com

FDIC Certificate # 58257

Established 20060424

FDIC Insurance Date 20060424

Domestic Offices 2

Total Branches 2

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

1.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.4868%

Return on Equity (ROE) 26.1100%

Non-Performing Loans (NPL) 0.11%

Total Assets $912,610,000

Total Deposits $754,505,000

Equity Capital $88,001,000

Net Income $10,826,000

Headquarters Darien

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

DR Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About DR Bank

How many branches does DR Bank operate?

DR Bank currently maintains approximately 2 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, DR 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, DR Bank provides members with tools to manage their accounts and build a solid financial history.

Does DR Bank offer online and mobile banking?

Most modern institutions like DR 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.drbank.com.