FNB of Scotia CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.60%, 6-month CD rates at 4.25% and 3-month CD rates at 1.76%. Current savings rates are at 1.00% and money market rates are at 1.51%. Mortgage rates today on 30-year fixed loans are around 6.87%. Credit Card rates are at 10.90%. Personal Loan rates are at 5.99%. All these rates, and more, can be found in our database of rates. FNB of Scotia's 60-Month CD rates are at 0.71%, 48-Month CD rates are at 0.67%, 36-Month CD rates are at 0.62%, 24-Month CD rates are at 0.52%. FNB of Scotia's savings rates are at 0.07%. FNB of Scotia's money market rates are at 0.30%. FNB of Scotia's 30-Year Fixed rates are at 6.62%, 20-Year Fixed rates are at 6.50%, 15-Year Fixed rates are at 6.38%.

FNB of Scotia

To see how these rates compare to FNB of Scotia CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from FNB of Scotia, 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 FNB of Scotia CD rates. You can also compare FNB of Scotia savings rates, MMA rates and mortgage rates using our other rate lists.

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.

FNB of Scotia Texas Ratio

FNB of Scotia's Texas Ratio is at 7.37%, which is considered excellent. The Texas Ratio for FNB of Scotia is higher than the national average of all banks, currently at 6.24%. 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, FNB of Scotia 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
0.52%
36-Month CD
0.62%
48-Month CD
0.67%
60-Month CD
0.71%
Savings
0.07%
MMA
0.30%
30-Year Fixed
6.70%
Credit Card
N/A
Personal Loan
N/A
FNB of Scotia
201 Mohawk Ave
Scotia, NY 12302
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

FNB of Scotia CD Rates and Interest Rates

Bank
Product
APY
Min Dep
FNB of Scotia
FNB of Scotia
60-Month CD
0.71%
$500
FNB of Scotia
FNB of Scotia
48-Month CD
0.67%
$500
FNB of Scotia
FNB of Scotia
36-Month CD
0.62%
$500
FNB of Scotia
FNB of Scotia
24-Month CD
0.52%
$500
FNB of Scotia
FNB of Scotia
Money Market
0.30%
$2,500
FNB of Scotia
FNB of Scotia
Day of Deposit Savings
0.07%
$25
FNB of Scotia
FNB of Scotia
NOW Checking
0.05%
$500
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.

FNB of Scotia Mortgage Rates

Lender
Product
Rate
APR
Points
FNB of Scotia
FNB of Scotia
15-Year Fixed
6.375%
6.500%
0.000
FNB of Scotia
FNB of Scotia
20-Year Fixed
6.500%
6.601%
0.000
FNB of Scotia
FNB of Scotia
30-Year Fixed
6.625%
6.702%
0.000

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.

Compare FNB of Scotia Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Stearns Bank Upsala N.A.
Stearns Bank Upsala N.A.
6-Month CD
5.32%
$500
Community National Bank (VT)
Community National Bank (VT)
6-Month CD (special)
5.07%
$10,000
American National Bank
American National Bank
Money Market
4.72%
$25,000
James Polk Stone Community Bank
James Polk Stone Community Bank
6-Month CD (special)
4.55%
$1,000
MapleMark Bank
MapleMark Bank
18-Month CD
4.50%
$25,000
Synchrony Bank
Synchrony Bank
18-Month CD
4.50%
$0
Newtek Bank
Newtek Bank
36-Month CD
4.50%
$2,500
Lake-Osceola State Bank
Lake-Osceola State Bank
11-Month CD (special)
4.32%
$10,000
Interstate Bank
Interstate Bank
12-Month CD
4.16%
$500
HSBC Trust Company (Delaware)
HSBC Trust Company (Delaware)
24-Month CD (Online)
4.10%
$0
The Peoples S&L Co.
The Peoples S&L Co.
24-Month CD
4.06%
$500
Beal Bank USA
Beal Bank USA
Money Market
4.00%
$25,000
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
36-Month CD
4.00%
$1,000
Community Bank of Raymore
Community Bank of Raymore
Premier Money Market
3.82%
$25
First National Bank in Philip
First National Bank in Philip
48-Month CD
3.75%
$1,000
Beacon Community Bank
Beacon Community Bank
36-Month CD
3.75%
$250
Concordia Bank & Trust Company
Concordia Bank & Trust Company
12-Month CD
3.55%
$1,000
Jonah Bank of Wyoming
Jonah Bank of Wyoming
6-Month CD
3.46%
$500
Hardin County SB
Hardin County SB
12-Month CD
3.19%
$1,000
Zions Bank
Zions Bank
12-Month CD
3.05%
$1,000
Lee Bank
Lee Bank
Kasasa Checking
3.00%
$25
First Commerce Bank (NJ)
First Commerce Bank (NJ)
Premier Business Money Market
3.00%
$50,000
Westbury Bank
Westbury Bank
24-Month CD
3.00%
$500
Haddon Savings Bank
Haddon Savings Bank
36-Month CD
2.90%
$500
FSB of Cando
FSB of Cando
24-Month CD
2.80%
$500
Sound Community Bank
Sound Community Bank
48-Month CD w/checking
2.78%
$1,000
Seamens Bank
Seamens Bank
12-Month CD
2.25%
$1,000
Superior National Bank
Superior National Bank
48-Month CD
2.02%
$500
Bank of Hindman
Bank of Hindman
60-Month CD
2.02%
$1,000
Security Federal Bank
Security Federal Bank
12-Month CD
1.80%
$500
Security Bank of Southwest Missouri
Security Bank of Southwest Missouri
60-Month CD
1.76%
$1,000
Monroe Savings Bank
Monroe Savings Bank
18-Month CD
1.50%
$500
Home State Bank Royal, IA
Home State Bank Royal, IA
Savings Account
1.26%
$50
Neffs National Bank
Neffs National Bank
18-Month CD
1.25%
$1,000
Bank of Brenham
Bank of Brenham
60-Month CD
1.11%
$1,000
First Secure Bank and Trust Co.
First Secure Bank and Trust Co.
60-Month CD
1.00%
$1,000
BankOrion
BankOrion
36-Month CD
0.90%
$500
Stock Exchange Bank, Caldwell, KS
Stock Exchange Bank, Caldwell, KS
3-Month CD
0.75%
$500
Bank of Springfield
Bank of Springfield
24-Month CD
0.75%
$1,000
Universal Bank
Universal Bank
36-Month CD
0.60%
$1,000
North Brookfield SB
North Brookfield SB
18-Month CD
0.55%
$500
F&M Bank and Trust Company
F&M Bank and Trust Company
18-Month CD
0.30%
$1,000
Verus Bank of Commerce
Verus Bank of Commerce
24-Month CD
0.25%
$1,000
Northwestern Bank
Northwestern Bank
Keystone High Yield Savings
0.20%
$10,000
Merrimack County SB
Merrimack County SB
Everyday Savings
0.10%
$100
Teachers Federal Credit Union
Teachers Federal Credit Union
Business Money Market
0.10%
$2,500
FNB of Scotia
FNB of Scotia
Day of Deposit Savings
0.07%
$25
Century SLA
Century SLA
NOW Checking
0.05%
$500
Achieve Credit Union
Achieve Credit Union
Share Savings
0.03%
$5
NCF Savings Bank
NCF Savings Bank
Statement Savings
0.02%
$0
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.

FNB of Scotia Mortgage Rates

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
4.750%
5.507%
0.000
5.000%
5.531%
0.000
5.500%
5.540%
0.000
15 Year Fixed
5.500%
5.568%
0.000
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.625%
5.786%
0.000
15-Year Fixed
5.625%
5.799%
0.000
5.625%
5.820%
0.250
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
5.675%
5.894%
0.000
5.500%
5.908%
2.000
15 Year Fixed
5.625%
5.941%
1.000
5.750%
5.954%
1.000
5.750%
5.957%
0.000
5.875%
5.970%
0.000
15-Year Fixed (Jumbo)
5.875%
5.970%
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.

FNB of Scotia Information

FNB of Scotia
201 Mohawk Ave
Scotia, NY 12302
Schenectady
Established Date: 01/01/1923
FDIC Certificate #: 11501
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: GLENVILLE BANK HOLDING CO INC
How Many Domestic U.S. Offices? 10
How Many Branches are There? 10
Is FNB of Scotia FDIC Insured? Yes
What is FNB of Scotia's Cert number? 11501
What is the maximum amount for insured deposits? $250,000 per holder, per account

FNB of Scotia Financials

Total Assets:
$668,694,000
Total Deposits:
$593,899,000
Equity Capital:
$46,076,000
Domestic Deposits:
$593,899,000
Net Income:
$566,000
Return on Assets:
0.5993%
Quarterly Return on Assets:
0.3400%
Pretax Return on Assets:
0.4513%
Pretax Quarterly Return on Assets:
0.4500%
Return on Equity:
9.1100%
Quarterly Return on Equity:
5.0600%
Common Equity Tier 1 Capital Ratio:
10.9851%
Tier 1 Risk-Based Capital Ratio:
10.9851%
Leverage Tier 1 (Core Capital) Ratio:
7.4019%
Total Risk-Based Capital Ratio (YTD):
12.2365%
Total Interest Income (YTD):
3.3819%
 
 
Headquarters:
Scotia
FDIC Field Office:
Syracuse
Regulator:
OCC
County:
Schenectady
# of Offices:
10
Metropolitan Statistical Area (MSA):
Albany-Schenectady-Troy, NY
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

Explore Other Rate Deals

The financial crisis and great recession almost a decade ago forced interest rates down to record lows. Over the past year, short term interest rates started to move higher. At the same time long term interest rates remain near historical lows. Why is this happening?
We now have six banks tied for the top 1 year CD rate. Several banks increased their CD rates recently as we wait for the Fed to increase rates, possibly as soon as next week.
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FNB of Scotia Reviews

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