MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. FNB of Scotia
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.

FNB of Scotia Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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 →
| iEditorial Disclosure
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: October 11, 2026

FNB of Scotia's top rates as of October 11, 2026 are 3.75% APY on its 9-Months Relationship New Money Special - 9-Month CD and IRA, 1.03% APY on savings, 2.31% APY on money market accounts, 0.05% APY on checking, 6.00% on its 5/1 ARM Mortgage Rate, and personal loans from 6.00% APR, according to rates verified by MonitorBankRates. Other FNB of Scotia CD rates include 60-Months 60-Month Certificates and IRA at 2.97%, 48-Months 48-Month Certificates and IRA at 2.94%, and 36-Months 36-Month Certificates and IRA at 2.90%. Other FNB of Scotia mortgage rates include Adjustable Mortgage - 5/1 ARM Adjustable at 6.00%, 7/1 ARM Mortgage Rate at 6.625%, and Adjustable Mortgage - 7/1 ARM Adjustable at 6.625%. MonitorBankRates evaluates the financial stability of FNB of Scotia with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.34%. Rates last updated and verified on 10/11/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.34%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
FNB of Scotia
201 Mohawk Ave
Scotia, NY 12302
https://www.firstscotia.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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.

FNB of Scotia CD Rates

Product Rate APY Term View More
Relationship New Money Special - 9 Month CD and IRA 3.73% 3.75% 9 months
Min Deposit $2,500
Details Relationship*** New Money** Special
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
60 Month Certificates and IRA 2.94% 2.97% 60 months
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.97% APY · checked 5 times
2.47%2.97%3.47%Sep 24, 2026: 2.97% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
48 Month Certificates and IRA 2.91% 2.94% 48 months
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
36 Month Certificates and IRA 2.87% 2.90% 36 months
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.90% APY · checked 5 times
2.40%2.90%3.40%Sep 24, 2026: 2.90% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
24 Month Certificates and IRA 2.82% 2.85% 24 months
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Sep 24, 2026: 2.85% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
1 Year Certificates and IRA 2.79% 2.82% 1 Year
Min Deposit $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.82% APY · checked 5 times
2.32%2.82%3.32%Sep 24, 2026: 2.82% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
180 Day Certificates 2.74% 2.76% 180-364 days
Min Deposit $2,500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.76% APY · checked 5 times
2.26%2.76%3.26%Sep 24, 2026: 2.76% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
30 Day Certificates 0.80% 0.80% 30 days
Min Deposit $2,500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.80% APY · checked 5 times
0.30%0.80%1.30%Sep 24, 2026: 0.80% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
90 Day Certificates 0.80% 0.80% 90-179 days
Min Deposit $2,500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.80% APY · checked 5 times
0.30%0.80%1.30%Sep 24, 2026: 0.80% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Savings Rates

Product Rate APY View More
Health Savings Accounts 0.61% 0.61%
Min Balance $10,000
Details Tier: 4; Average Daily Balance needed to earn stated APY: $10,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.61% APY · checked 5 times
0.11%0.61%1.11%Sep 24, 2026: 0.61% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.40% 0.40%
Min Balance $2,500
Details Tier: 3; Average Daily Balance needed to earn stated APY: $2,500 to $9,999
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Young Savers 0.25% 0.25%
Min Deposit $5
Min Balance $50
Details Balance: minimum $50 average daily balance required to earn interest
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.23% 0.23%
Min Balance $500
Details Tier: 2; Average Daily Balance needed to earn stated APY: $500 to $2,499
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 0.15% → 0.23% ▲ 0.08 pts · high 0.23% / low 0.15%
0.00%0.37%0.73%Sep 24, 2026: 0.15% APYSep 27, 2026: 0.23% APYSep 24, 2026Oct 14, 2026
  • Sep 27, 20260.23%▲ from 0.15%
  • Sep 24, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Day of Deposit Savings 0.20% 0.20%
Min Deposit $25
Min Balance $50
Details Balance: minimum $50 average daily balance required to earn interest
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Health Savings Accounts 0.15% 0.15%
Details Tier: 1; Average Daily Balance needed to earn stated APY: Below $500
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Club Accounts 0.10% 0.10%
Min Deposit $1
Min Balance $50
Details Balance: minimum $50 average daily balance required to earn interest
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Money Market Rates

Product Rate APY View More
Tiered Money Market Accounts 2.29% 2.31%
Min Deposit $10,000
Min Balance $1,500,000
Details Balance: $1,500,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.31% APY · checked 5 times
1.81%2.31%2.81%Sep 24, 2026: 2.31% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Tiered Money Market Accounts 1.81% 1.83%
Min Deposit $10,000
Min Balance $500,000
Details Balance: $500,000 to $1,499,999
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.83% APY · checked 5 times
1.33%1.83%2.33%Sep 24, 2026: 1.83% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Tiered Money Market Accounts 1.20% 1.21%
Min Deposit $10,000
Min Balance $100,000
Details Balance: $100,000 to $499,999
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.21% APY · checked 5 times
0.71%1.21%1.71%Sep 24, 2026: 1.21% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Tiered Money Market Accounts 0.85% 0.85%
Min Deposit $10,000
Min Balance $2,500
Details Balance: $2,500 to $99,999
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 24, 2026: 0.85% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Checking Rates

Product Rate APY View More
Interest Checking 0.05% 0.05%
Min Deposit $500
Min Balance $500
Details Balance: minimum $500 average daily balance required to earn interest
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Mortgage Rates

Product Rate Points APR Term View More
5/1 ARM Mortgage Rate 6.00% 0 6.715% 30 years
Details Maximum Loan to Value 89%
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.72% APR · checked 3 times
6.22%6.72%7.22%Sep 27, 2026: 6.72% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Adjustable Mortgage - 5/1 ARM Adjustable 6.00% 0 6.715% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 6.67% → 6.72% ▲ 0.05 pts · high 6.72% / low 6.67%
6.17%6.69%7.22%Sep 24, 2026: 6.67% APRSep 27, 2026: 6.72% APRSep 24, 2026Oct 14, 2026
  • Sep 27, 20266.72%▲ from 6.67%
  • Sep 24, 20266.67%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
7/1 ARM Mortgage Rate 6.625% 0 6.983% 30 years
Details Maximum Loan to Value 89%
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.98% APR · checked 3 times
6.48%6.98%7.48%Sep 27, 2026: 6.98% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Adjustable Mortgage - 7/1 ARM Adjustable 6.625% 0 6.983% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 6.87% → 6.98% ▲ 0.11 pts · high 6.98% / low 6.87%
6.37%6.93%7.48%Sep 24, 2026: 6.87% APRSep 27, 2026: 6.98% APRSep 24, 2026Oct 14, 2026
  • Sep 27, 20266.98%▲ from 6.87%
  • Sep 24, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
10/1 ARM Mortgage Rate 7.00% 0 7.252% 30 years
Details Maximum Loan to Value 89%
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.25% APR · checked 3 times
6.75%7.25%7.75%Sep 27, 2026: 7.25% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Adjustable Mortgage - 10/1 ARM Adjustable 7.00% 0 7.252% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 7.13% → 7.25% ▲ 0.13 pts · high 7.25% / low 7.13%
6.63%7.19%7.75%Sep 24, 2026: 7.13% APRSep 27, 2026: 7.25% APRSep 24, 2026Oct 14, 2026
  • Sep 27, 20267.25%▲ from 7.13%
  • Sep 24, 20267.13%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
15 Year Fixed Rate Mortgage 7.07% 0 7.274% 15 years
Details Maximum Loan to Value: 97%*
Last Updated 10/11/2026
Rate History
3 changes since Sep 27, 2026 · 7.08% → 7.27% ▲ 0.20 pts · high 7.27% / low 7.08%
6.58%7.18%7.77%Sep 27, 2026: 7.08% APROct 1, 2026: 7.20% APROct 3, 2026: 7.15% APROct 7, 2026: 7.27% APRSep 27, 2026Oct 14, 2026
  • Oct 7, 20267.27%▲ from 7.15%
  • Oct 3, 20267.15%▼ from 7.20%
  • Oct 1, 20267.20%▲ from 7.08%
  • Sep 27, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Fixed Mortgage Rate 7.07% 0 7.274% 15 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 7.08% → 7.27% ▲ 0.20 pts · high 7.27% / low 7.08%
6.58%7.18%7.77%Sep 27, 2026: 7.08% APROct 11, 2026: 7.27% APRSep 27, 2026Oct 14, 2026
  • Oct 11, 20267.27%▲ from 7.08%
  • Sep 27, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
15/1 ARM Mortgage Rate 7.25% 0 7.423% 30 years
Details Maximum Loan to Value 89%
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.42% APR · checked 3 times
6.92%7.42%7.92%Sep 27, 2026: 7.42% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Adjustable Mortgage - 15/1 ARM Adjustable 7.25% 0 7.423% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 7.30% → 7.42% ▲ 0.13 pts · high 7.42% / low 7.30%
6.80%7.36%7.92%Sep 24, 2026: 7.30% APRSep 27, 2026: 7.42% APRSep 24, 2026Oct 14, 2026
  • Sep 27, 20267.42%▲ from 7.30%
  • Sep 24, 20267.30%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
20 Year Fixed Rate Mortgage 7.40% 0 7.57% 20 years
Details Maximum Loan to Value: 97%*
Last Updated 10/11/2026
Rate History
4 changes since Sep 27, 2026 · 7.57% → 7.57% ▼ 0.00 pts · high 7.67% / low 7.57%
7.07%7.62%8.17%Sep 27, 2026: 7.57% APROct 1, 2026: 7.66% APROct 3, 2026: 7.62% APROct 7, 2026: 7.67% APROct 11, 2026: 7.57% APRSep 27, 2026Oct 14, 2026
  • Oct 11, 20267.57%▼ from 7.67%
  • Oct 7, 20267.67%▲ from 7.62%
  • Oct 3, 20267.62%▼ from 7.66%
  • Oct 1, 20267.66%▲ from 7.57%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Fixed Mortgage Rate 7.40% 0 7.57% 20 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.57% APR · checked 2 times
7.07%7.57%8.07%Sep 27, 2026: 7.57% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
30 Year Fixed Rate Mortgage 7.45% 0 7.583% 30 years
Details Maximum Loan to Value: 97%*
Last Updated 10/11/2026
Rate History
4 changes since Sep 27, 2026 · 7.47% → 7.58% ▲ 0.11 pts · high 7.62% / low 7.47%
6.97%7.55%8.12%Sep 27, 2026: 7.47% APROct 1, 2026: 7.51% APROct 3, 2026: 7.58% APROct 7, 2026: 7.62% APROct 11, 2026: 7.58% APRSep 27, 2026Oct 14, 2026
  • Oct 11, 20267.58%▼ from 7.62%
  • Oct 7, 20267.62%▲ from 7.58%
  • Oct 3, 20267.58%▲ from 7.51%
  • Oct 1, 20267.51%▲ from 7.47%
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Fixed Mortgage Rate 7.45% 0 7.583% 30 years
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 27, 2026 · 7.47% → 7.58% ▲ 0.11 pts · high 7.58% / low 7.47%
6.97%7.53%8.08%Sep 27, 2026: 7.47% APROct 11, 2026: 7.58% APRSep 27, 2026Oct 14, 2026
  • Oct 11, 20267.58%▲ from 7.47%
  • Sep 27, 20267.47%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - First Lien Position 6.00% - 6.009% Up to 60 months
Details Terms up to & including 60 mo. maximum 89% LTV
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.01% APR · checked 7 times
5.51%6.01%6.51%Sep 15, 2026: 6.01% APRSep 15, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position 6.125% - 6.132% 61-120 months
Details Terms 61 up to & including 120 mo. with 89% LTV
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.13% APR · checked 6 times
5.63%6.13%6.63%Sep 24, 2026: 6.13% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position 6.125% - 6.134% up to 60 months
Details Terms up to & including 60 mo. maximum 89% LTV
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.13% APR · checked 7 times
5.63%6.13%6.63%Sep 15, 2026: 6.13% APRSep 15, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position 6.375% - 6.382% 121-180 months
Details Terms 121 up to & including 180 mo. with 89% LTV or below
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.38% APR · checked 6 times
5.88%6.38%6.88%Sep 24, 2026: 6.38% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position 6.375% - 6.382% 61-120 months
Details Terms 61 up to & including 120 mo. with 89% LTV
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.38% APR · checked 6 times
5.88%6.38%6.88%Sep 24, 2026: 6.38% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position 6.50% - 6.506% 181-240 months
Details Terms 181 up to & including 240 mo. with 89% LTV or below
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.51% APR · checked 6 times
6.01%6.51%7.01%Sep 24, 2026: 6.51% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position 6.625% - 6.632% 121-180 months
Details Terms 121 up to & including 180 mo. with 89% LTV or below
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.63% APR · checked 6 times
6.13%6.63%7.13%Sep 24, 2026: 6.63% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Home Equity Loan - Second Lien Position 6.75% - 6.756% 181-240 months
Details Terms 181 up to & including 240 mo. with 89% LTV or below
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.76% APR · checked 6 times
6.26%6.76%7.26%Sep 24, 2026: 6.76% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Auto Loan Rates

Product Rate Points APR Term View More
New, Used: 2026, 2025, 2024 Auto/Motorcycle Loan - - 5.64% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 5.64% APR · checked 4 times
5.14%5.64%6.14%Sep 27, 2026: 5.64% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2023-2022 Auto/Motorcycle Loan - - 5.89% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 5.89% APR · checked 4 times
5.39%5.89%6.39%Sep 27, 2026: 5.89% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
New, Used: 2026, 2025, 2024 Auto/Motorcycle Loan - - 6.14% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.14% APR · checked 4 times
5.64%6.14%6.64%Sep 27, 2026: 6.14% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2021-2020 Auto/Motorcycle Loan - - 6.29% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 27, 2026: 6.29% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2023-2022 Auto/Motorcycle Loan - - 6.59% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.59% APR · checked 4 times
6.09%6.59%7.09%Sep 27, 2026: 6.59% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2021-2020 Auto/Motorcycle Loan - - 6.89% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 6.89% APR · checked 4 times
6.39%6.89%7.39%Sep 27, 2026: 6.89% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2019-2018 Auto/Motorcycle Loan - - 7.04% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.04% APR · checked 4 times
6.54%7.04%7.54%Sep 27, 2026: 7.04% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2019-2018 Auto/Motorcycle Loan - - 7.54% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 7.54% APR · checked 4 times
7.04%7.54%8.04%Sep 27, 2026: 7.54% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2017-2015 Auto/Motorcycle Loan - - 8.74% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 8.74% APR · checked 4 times
8.24%8.74%9.24%Sep 27, 2026: 8.74% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Marine, Motor Homes, Travel Trailers Loans - 9.00% Up to 120 Months
Details Vehicle condition and year: New, Used: 2026, 2025, 2024; Down Payment: 15%
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 10.25% → 9.00% ▼ 1.25 pts · high 10.25% / low 9.00%
7.75%9.63%11.50%Sep 24, 2026: 10.25% APROct 7, 2026: 9.00% APRSep 24, 2026Oct 14, 2026
  • Oct 7, 20269.00%▼ from 10.25%
  • Sep 24, 202610.25%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
New, Used: 2026, 2025, 2024 Marine, Motor Homes, Travel Trailers Loan - 9.00% Up to 120 Months
Details Down Payment 15%; Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Sep 27, 2026: 9.00% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
New, Used, 2026, 2025, 2024 ATV, Snowmobiles, Jetskis Loan - 9.75% 6-48 months
Details Down Payment 20%; Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 9.75% APR · checked 4 times
9.25%9.75%10.25%Sep 27, 2026: 9.75% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Marine, Motor Homes, Travel Trailers Loans - 10.25% Up to 120 Months
Details Vehicle condition and year: Used 2015 and Newer (Titled Only) $10,000 - $25,000; Down Payment: 15%
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 10.25% APR · checked 3 times
9.75%10.25%10.75%Sep 24, 2026: 10.25% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used 2015 and Newer (Titled Only) Marine, Motor Homes, Travel Trailers Loan - 10.25% Up to 120 Months
Details $10,000 - $25,000; Down Payment 15%; Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 10.25% APR · checked 4 times
9.75%10.25%10.75%Sep 27, 2026: 10.25% APRSep 27, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Personal Loan Rates

Product APR Term View More
Personal Loan 6.00% 6-60 months
Details With 1st National Deposit Account as Collateral
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.00% APR · checked 2 times
5.50%6.00%6.50%Oct 7, 2026: 6.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Loan 9.00% 6-60 months
Details Stock listed on Exchange up to 2/3 value
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 9.00% APR · checked 2 times
8.50%9.00%9.50%Oct 7, 2026: 9.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Loan 10.00% 6-60 months
Details With Acceptable Collateral Secured
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 10.00% APR · checked 2 times
9.50%10.00%10.50%Oct 7, 2026: 10.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Personal Loan 12.00% 6-36 months
Details Unsecured
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 12.00% APR · checked 2 times
11.50%12.00%12.50%Oct 7, 2026: 12.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%

FNB of Scotia Other Rates

Product Rate Points APY/APR Term View More
New, Used: 2026, 2025, 2024 Loan - - 5.64% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 5.64% APR · checked 5 times
5.14%5.64%6.14%Sep 24, 2026: 5.64% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
New, Used: 2026, 2025, 2024 Loan - - 6.14% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.14% APR · checked 5 times
5.64%6.14%6.64%Sep 24, 2026: 6.14% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
No PMI Loan 7.70% 0 7.837% 30 years
Details Maximum Loan to Value: 90%
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 7.43% → 7.84% ▲ 0.41 pts · high 7.84% / low 7.43%
6.93%7.63%8.34%Sep 24, 2026: 7.43% APROct 3, 2026: 7.84% APRSep 24, 2026Oct 14, 2026
  • Oct 3, 20267.84%▲ from 7.43%
  • Sep 24, 20267.43%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
No PMI Loan 7.20% 0 7.407% 15 years
Details Maximum Loan to Value: 90%
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 7.14% → 7.41% ▲ 0.26 pts · high 7.41% / low 7.14%
6.64%7.27%7.91%Sep 24, 2026: 7.14% APROct 3, 2026: 7.41% APRSep 24, 2026Oct 14, 2026
  • Oct 3, 20267.41%▲ from 7.14%
  • Sep 24, 20267.14%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used 2015 and Newer (Titled Only) Loan - - 9.75% 6-48 months
Details $10,000 - $25,000; As Low As; Down Payment: 20%
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 9.75% APR · checked 2 times
9.25%9.75%10.25%Oct 7, 2026: 9.75% APROct 7, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2017-2015 Loan - - 8.74% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 8.74% APR · checked 5 times
8.24%8.74%9.24%Sep 24, 2026: 8.74% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2019-2018 Loan - - 7.04% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 7.04% APR · checked 5 times
6.54%7.04%7.54%Sep 24, 2026: 7.04% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2019-2018 Loan - - 7.54% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 7.54% APR · checked 5 times
7.04%7.54%8.04%Sep 24, 2026: 7.54% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2021-2020 Loan - - 6.29% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.29% APR · checked 5 times
5.79%6.29%6.79%Sep 24, 2026: 6.29% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2021-2020 Loan - - 6.89% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.89% APR · checked 5 times
6.39%6.89%7.39%Sep 24, 2026: 6.89% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2023-2022 Loan - - 5.89% 6-60 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 5.89% APR · checked 5 times
5.39%5.89%6.39%Sep 24, 2026: 5.89% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
Used: 2023-2022 Loan - - 6.59% 61-75 months
Details Rates as low as
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 6.59% APR · checked 5 times
6.09%6.59%7.09%Sep 24, 2026: 6.59% APRSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
1 Year Variable Rate IRA Savings 1.03% - 1.03% 1 year
Min Deposit $50
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.03% APY · checked 5 times
0.53%1.03%1.53%Sep 24, 2026: 1.03% APYSep 24, 2026Oct 14, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.34%
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.
Powered by MonitorBankRates

Financial Health History

FNB of Scotia’s Texas Ratio rose from 8.63% in Q3 2023 to 11.34% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

0% 1.0★ 4.5% 2.0★ 9.1% 3.0★ 13.6% 4.0★ 18.1% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 8.63% A Q3 2023 A Q4 2023 A+ Q1 2024 A Q2 2024 A Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 11.34% A Q2 2026
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$719M11.34%5.0A
March 31, 2026$706M11.14%5.0A
December 31, 2025$699M11.75%5.0A
September 30, 2025$722M10.05%5.0A
June 30, 2025$701M11.49%5.0A
March 31, 2025$690M11.79%5.0A
December 31, 2024$676M12.64%5.0A
September 30, 2024$681M12.81%5.0A
June 30, 2024$665M13.44%5.0A
March 31, 2024$653M4.85%5.0A+
December 31, 2023$660M6.10%5.0A
September 30, 2023$679M8.63%5.0A
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 FNB of Scotia 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 FNB of Scotia 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 FNB of Scotia's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Scotia
Bank Holding Company GLENVILLE BANK HOLDING CO INC
Address 201 Mohawk Ave, Scotia, NY 12302  ·  Schenectady
Website https://www.firstscotia.com
FDIC Certificate # 11501
Established 19230101
FDIC Insurance Date 19340101
Domestic Offices 10
Total Branches 10
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 94/100
5.0
Exceptional Out of 5.0 Stars
11.34%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7370%
Return on Equity (ROE) 7.7800%
Non-Performing Loans (NPL) 1.08%
Total Assets $719,046,000
Total Deposits $631,996,000
Equity Capital $68,167,000
Net Income $2,609,000
Headquarters Scotia
Total Branches and Offices 10
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

FNB of Scotia 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/first-national-bank-of-scotia-rates-review-11501">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for FNB of Scotia yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for FNB of Scotia
Your Name:
Your Rating:

Frequently Asked Questions About FNB of Scotia

How many branches does FNB of Scotia operate?

FNB of Scotia currently maintains approximately 10 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, FNB of Scotia 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, FNB of Scotia provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Scotia offer online and mobile banking?

Most modern institutions like FNB of Scotia 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.firstscotia.com.

Current FNB of Scotia Rates

  • 12-Month CD2.82%
  • 24-Month CD2.85%
  • 36-Month CD2.90%
  • 48-Month CD2.94%
  • 60-Month CD2.97%
  • Savings1.03%
  • MMA2.31%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Republic Bank of Chicago FirsTier Bank First State Bank and Trust Bayport, MN Century Next Bank Abbeville First Bank Ninnescah Valley Bank Home Bank SB Cornhusker Bank Tnbank American Federal Bank The Bank of LaFayette, GA Huntington FSB Greeneville Federal Bank Sooner State Bank HomeTown Bank Galveston, TX The Bank of Princeton Salyersville National Bank State Bank of Wynnewood Calvin B. Taylor Banking Company First National Bank in Olney State Bank of Geneva