Evans Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.25%, 6-month CD rates at 3.90% and 3-month CD rates at 0.50%. Current savings rates are at 0.80% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.92%. Credit Card rates are at 29.24%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. Evans Bank's 7-Month CD rates are at 3.80%, 15-Month CD rates are at 3.50%. Evans Bank's savings rates are at 5.00%. Evans Bank's money market rates are at 0.05%.

Evans Bank

To see how these rates compare to Evans Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Evans Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Evans Bank CD rates. You can also compare Evans Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Evans Bank Texas Ratio

Evans Bank's Texas Ratio is at 16.70%, which is considered excellent. The Texas Ratio for Evans Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Evans Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
5.00%
MMA
0.05%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Evans Bank
8599 Erie Rd
Angola, NY 14006
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Evans Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Evans Bank
Evans Bank
Orange Saver Savings
5.00%
$0
Evans Bank
Evans Bank
7-Month CD
3.80%
$500
Evans Bank
Evans Bank
15-Month CD
3.50%
$500
Evans Bank
Evans Bank
Choice Money Market
0.05%
$5,000

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Evans Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
ABCO Federal Credit Union
ABCO Federal Credit Union
12-Month CD
4.07%
$1,000
Security Bank Tulsa, OK
Security Bank Tulsa, OK
24-Month CD
4.06%
$2,000
Tucumcari Federal S&L
48-Month CD
3.82%
$10,000
Citizens National Bank of Albion
Citizens National Bank of Albion
12-Month CD
3.79%
$1,000
A+ Federal Credit Union
A+ Federal Credit Union
48-Month CD
3.76%
$100
First National Bank in Philip
First National Bank in Philip
24-Month CD
3.70%
$1,000
Fairfield Federal S&L of Lancaster
Fairfield Federal S&L of Lancaster
12-Month CD
3.56%
$500
Bank of Prairie du Sac
Bank of Prairie du Sac
12-Month CD
3.40%
$1,000
UniBank
UniBank
36-Month CD
3.40%
$1,000
Circuit Federal Credit Union
Circuit Federal Credit Union
6-Month CD
3.35%
$1,000
FNB of Waterloo
FNB of Waterloo
60-Month CD
3.34%
$1,000
Marion County State Bank
Marion County State Bank
48-Month CD
3.25%
$1,000
Rising Bank
Rising Bank
24-Month CD
3.20%
$1,000
Hibernia Bank
Hibernia Bank
12-Month CD
3.00%
$1,000
Jarrettsville Federal S&L
Jarrettsville Federal S&L
24-Month CD
3.00%
$500
KodaBank
KodaBank
36-Month CD
3.00%
$1,000
Pentucket Bank
Pentucket Bank
48-Month CD
3.00%
$500
Peoples Savings Bank Urbana OH
Peoples Savings Bank Urbana OH
48-Month CD
3.00%
$500
Empire State Bank
Empire State Bank
18-Month CD
3.00%
$1,000
New Market Bank
New Market Bank
6-Month CD
2.75%
$2,500
Lake-Osceola State Bank
Lake-Osceola State Bank
60-Month CD
2.38%
$500
NBT Financial Bank
NBT Financial Bank
Personal Savings
2.07%
$200
Swedish-American State Bank
Swedish-American State Bank
60-Month CD
2.05%
$500
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
48-Month CD
2.02%
$500
Department of Commerce FCU
Department of Commerce FCU
60-Month CD
1.97%
$500
First State Bank of Porter
First State Bank of Porter
24-Month CD
1.71%
$1,000
Elevate Bank
Elevate Bank
12-Month CD
1.51%
$1,000
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
12-Month CD
1.00%
$1,000
Oakwood Bank Pigeon Falls, WI
Oakwood Bank Pigeon Falls, WI
6-Month CD
1.00%
$100
FNB of Groton
FNB of Groton
18-Month CD
0.95%
$1,000
First Command Bank
First Command Bank
24-Month CD
0.90%
$1,000
New Mexico Bank and Trust
New Mexico Bank and Trust
48-Month CD
0.85%
$1,000
Security State Bank of Marine
Security State Bank of Marine
48-Month CD
0.70%
$300
PSB Provident Savings Bank
PSB Provident Savings Bank
48-Month CD
0.63%
$1,000
Bank of Buffalo
Bank of Buffalo
36-Month CD
0.55%
$500
Pillar Bank
Pillar Bank
60-Month CD
0.45%
$500
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
36-Month CD
0.35%
$1,000
First Piedmont Federal S&L of Gaffney
First Piedmont Federal S&L of Gaffney
36-Month CD
0.30%
$1,000
Halstead Bank
Halstead Bank
Statement Savings
0.30%
$100
Reliance State Bank
Reliance State Bank
Savings
0.30%
$200
Oxford Bank
Oxford Bank
60-Month CD
0.29%
$500
Home Loan State Bank
Home Loan State Bank
Savings
0.25%
$100
Northumberland Bank
Northumberland Bank
3-Month CD
0.20%
$5,000
Central Bank Provo, UT
Central Bank Provo, UT
Savings
0.15%
$100
TSB Teutopolis State Bank
TSB Teutopolis State Bank
Savings
0.15%
$0
Chelsea Groton Bank
Chelsea Groton Bank
6-Month CD
0.05%
$500
OBC Bank
OBC Bank
6-Month CD
0.05%
$1,000
Cornhusker Bank
Cornhusker Bank
Regular Savings
0.05%
$100
First Northern Bank and Trust Company
First Northern Bank and Trust Company
Consumer Money Market
0.05%
$2,500
First Bank Creve Coeur, MO
First Bank Creve Coeur, MO
First Plus Checking
0.01%
$1
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 20, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5-Year ARM Jumbo
5.250%
4.753%
0.000
5.560%
5.250%
0.000
15-Year Fixed
5.250%
5.385%
0.750
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
4.750%
5.507%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.375%
5.633%
0.000
15-Year Fixed Jumbo
5.625%
5.651%
0.000
5.500%
5.654%
0.000
5.375%
5.677%
1.125
15-Year Fixed
5.625%
5.681%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Evans Bank Information

Evans Bank
8599 Erie Rd
Angola, NY 14006
Erie
Established Date: 01/01/1920
FDIC Certificate #: 6947
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: EVANS BCORP INC
How Many Domestic U.S. Offices? 20
How Many Branches are There? 19
Is Evans Bank FDIC Insured? Yes
What is Evans Bank's Cert number? 6947
What is the maximum amount for insured deposits? $250,000 per holder, per account

Evans Bank Financials

Total Assets:
$2,259,646,000
Total Deposits:
$1,904,646,000
Equity Capital:
$199,569,000
Domestic Deposits:
$1,904,646,000
Net Income:
$3,027,000
Return on Assets:
0.8958%
Quarterly Return on Assets:
0.5500%
Pretax Return on Assets:
0.6729%
Pretax Quarterly Return on Assets:
0.6700%
Return on Equity:
11.2900%
Quarterly Return on Equity:
6.0800%
Common Equity Tier 1 Capital Ratio:
13.4226%
Tier 1 Risk-Based Capital Ratio:
13.4226%
Leverage Tier 1 (Core Capital) Ratio:
10.1118%
Total Risk-Based Capital Ratio (YTD):
14.6733%
Total Interest Income (YTD):
4.7282%
 
 
Headquarters:
Angola
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Erie
# of Offices:
20
Metropolitan Statistical Area (MSA):
Buffalo-Cheektowaga, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Mortgage rates, which are low historically speaking, are expected to decline even more in the coming weeks. Mortgage rates will decline in the near future due to of lower long term bond yields. 10 year bond yields fell back below 2.00 percent this week and are down to 1.81 percent today. At the beginning of 2016, 10 year yields were around 2.25 percent.

us-economy-grows-by-350-in-the-3rd-quarterAfter four straight quarters of declines in Gross Domestic Product (GDP) the U.S. economy expanded by a healthy 3.5 percent in the third quarter of 2009 according to The Bureau of Economic Analysis.

EverBank changed their CD rates on both regular and jumbo certificates of deposit. EverBank's 1 year CD rate was increased 5 basis points to 1.31 percent and is now the best 1 year CD rate in our database. The largest increase was 18 basis points on EverBank's 4 year regular and jumbo certificates of deposit.

Bank or Credit Union Offers and Deals

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30 Year Mortgage Rates Back Under 4.00 Percent this Week
Charles Schwab CD Rates: 5.70% APY 10-Month, 11-Month and 12-Month Brokered CDs
BBVA Compass Money Market Account Jumbo Rates now at 0.85%
M&T Bank CD (Certificate of Deposit) Rates
Mortgage Rates March 10, 2011: 30 Year Mortgage Rates at 4.88%, 15 Year Mortgage Rates at 4.15%
NewDominion Direct Bank CD Rates

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