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FNB of Scotia Rates & Review November 2026

Q: What are the current interest rates at FNB of Scotia?

Current rates for FNB of Scotia include: 12-Month CD: 3.12%, 24-Month CD: 2.85%, 36-Month CD: 2.90%, 48-Month CD: 2.94%, 60-Month CD: 2.97%, Savings: 1.28%, MMA: 3.25%

Q: What CD terms does FNB of Scotia offer?

FNB of Scotia CD rates are 3.75% APY for a 9 month CD, 3.12% APY for a 12 month CD, 2.85% APY for a 2 year CD, 2.90% APY for a 3 year CD, 2.94% APY for a 4 year CD and 2.97% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Scotia for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

FNB of Scotia's Relationship /New Money Special - 9-Month CD and IRA rates are at 3.75%, 1 Year CD and IRA rates are at 3.12%, 180-364 days 180 Day CD rates are at 3.10%, 60-Month CD and IRA rates are at 2.97%, 48-Month CD and IRA rates are at 2.94%. FNB of Scotia's savings rates are at 1.28%. FNB of Scotia's money market rates are at 3.25%. FNB of Scotia's checking rates are as high as 0.10%. FNB of Scotia's Fixed Mortgage - 15 years rates are at 6.50%, Fixed Mortgage - 20 years rates are at 6.75%, 5/1 ARM Adjustable rates are at 6.00%, Fixed Mortgage - 30 years rates are at 6.82%, 7/1 ARM Adjustable rates are at 6.625%. FNB of Scotia's Personal Loan Rates are as low as 6.00%. FNB of Scotia's top CD rate of 3.75% APY on a 9 month CD is 28% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. 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 11/06/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

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

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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	Min. Deposit
Relationship /New Money Special - 9-Month CD and IRA	3.73%	3.75%	9 months	$2,500
Min Deposit $2,500 Details Limited time special; Relationship/New Money special rate Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
1-Year CD and IRA	3.08%	3.12%	1 Year	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.82% → 3.12% ▲ 0.30 pts · high 3.12% / low 2.82% Oct 21, 20263.12%▲ from 2.82% Sep 24, 20262.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
180 Day CD	3.08%	3.10%	180-364 days	$2,500
Min Deposit $2,500 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.76% → 3.10% ▲ 0.34 pts · high 3.10% / low 2.76% Oct 21, 20263.10%▲ from 2.76% Sep 24, 20262.76%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
60-Month CD and IRA	2.94%	2.97%	60 months	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.97% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
48-Month CD and IRA	2.91%	2.94%	48 months	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.94% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
36-Month CD and IRA	2.87%	2.90%	36 months	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.90% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
24-Month CD and IRA	2.82%	2.85%	24 months	$500
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
30 Day CD	1.05%	1.05%	30 days	$2,500
Min Deposit $2,500 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.80% → 1.05% ▲ 0.25 pts · high 1.05% / low 0.80% Oct 21, 20261.05%▲ from 0.80% Sep 24, 20260.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
90 Day CD	1.05%	1.05%	90-179 days	$2,500
Min Deposit $2,500 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.80% → 1.05% ▲ 0.25 pts · high 1.05% / low 0.80% Oct 21, 20261.05%▲ from 0.80% Sep 24, 20260.80%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

FNB of Scotia Savings Rates

Product	Rate	APY
Young Savers	1.00%	1.00%
Min Deposit $5 Min Balance $50 Details Minimum average daily balance of $50 required to earn interest; Rate may change after account opening; Fees may reduce earnings on account Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.25% → 1.00% ▲ 0.75 pts · high 1.00% / low 0.25% Oct 21, 20261.00%▲ from 0.25% Sep 24, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts	0.61%	0.61%
Min Balance $10,000 Details Balance: $10,000 and over; Tier 4 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.61% APY · checked 9 times 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 Balance: $2,500 to $9,999; Tier 3 Last Updated 11/06/2026 Rate History No change since Sep 27, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Day of Deposit Savings	0.25%	0.25%
Min Deposit $25 Min Balance $50 Details Minimum average daily balance of $50 required to earn interest; Rate may change after account opening; Fees may reduce earnings on account Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 0.25% / low 0.20% Oct 21, 20260.25%▲ from 0.20% Sep 24, 20260.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts	0.23%	0.23%
Min Balance $500 Details Balance: $500 to $2,499; Tier 2 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.15% → 0.23% ▲ 0.08 pts · high 0.23% / low 0.15% 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%
Club Accounts	0.20%	0.20%
Min Deposit $1 Min Balance $50 Details Minimum average daily balance of $50 required to earn interest; Rate may change after account opening; Fees may reduce earnings on account Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.10% → 0.20% ▲ 0.10 pts · high 0.20% / low 0.10% Oct 21, 20260.20%▲ from 0.10% Sep 24, 20260.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Health Savings Accounts	0.15%	0.15%
Details Balance: Below $500; Tier 1 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

FNB of Scotia Money Market Rates

Product	Rate	APY
Tiered Money Market Accounts	3.20%	3.25%
Min Deposit $10,000 Min Balance $1,500,000 Details Balance: $1,500,000 and over Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 2.31% → 3.25% ▲ 0.94 pts · high 3.25% / low 2.31% Oct 21, 20263.25%▲ from 2.31% Sep 24, 20262.31%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Tiered Money Market Accounts	2.33%	2.35%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000 to $1,499,999 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 1.83% → 2.35% ▲ 0.52 pts · high 2.35% / low 1.83% Oct 21, 20262.35%▲ from 1.83% Sep 24, 20261.83%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Tiered Money Market Accounts	1.49%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 to $499,999 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 1.21% → 1.50% ▲ 0.29 pts · high 1.50% / low 1.21% Oct 21, 20261.50%▲ from 1.21% Sep 24, 20261.21%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Tiered Money Market Accounts	1.14%	1.15%
Min Deposit $10,000 Min Balance $2,500 Details Balance: $2,500 to $99,999 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.85% → 1.15% ▲ 0.30 pts · high 1.15% / low 0.85% Oct 21, 20261.15%▲ from 0.85% Sep 24, 20260.85%first recorded 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	0.10%	0.10%
Min Deposit $500 Min Balance $500 Details Minimum $500 average daily balance required to earn interest Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05% Oct 21, 20260.10%▲ from 0.05% Sep 24, 20260.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

FNB of Scotia Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Mortgage - 15 years	6.50%	0	6.693%	15 years
Details Maximum Loan to Value: 97%; PMI may apply; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 4 changes since Oct 1, 2026 · 7.20% → 6.69% ▼ 0.51 pts · high 7.20% / low 6.69% Nov 6, 20266.69%▼ from 6.90% Nov 1, 20266.90%▼ from 7.00% Oct 26, 20267.00%▼ from 7.08% Oct 21, 20267.08%▼ from 7.20% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Fixed Mortgage - 20 years	6.75%	0	6.909%	20 years
Details Maximum Loan to Value: 97%; PMI may apply; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 4 changes since Oct 1, 2026 · 7.66% → 6.91% ▼ 0.75 pts · high 7.66% / low 6.91% Nov 6, 20266.91%▼ from 7.11% Nov 1, 20267.11%▼ from 7.15% Oct 26, 20267.15%▼ from 7.29% Oct 21, 20267.29%▼ from 7.66% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
5/1 ARM Adjustable	6.00%	0	6.915%	30 years
Details Maximum Loan to Value: 89%; Effective date: October 30, 2026 Last Updated 11/06/2026 Rate History 3 changes since Sep 15, 2026 · 6.62% → 6.92% ▲ 0.30 pts · high 6.97% / low 6.62% Nov 1, 20266.92%▼ from 6.97% Oct 21, 20266.97%▲ from 6.67% Sep 24, 20266.67%▲ from 6.62% Sep 15, 20266.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Fixed Mortgage - 30 years	6.82%	0	6.942%	30 years
Details Maximum Loan to Value: 97%; PMI may apply; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 4 changes since Oct 1, 2026 · 7.51% → 6.94% ▼ 0.56 pts · high 7.51% / low 6.94% Nov 6, 20266.94%▼ from 7.13% Nov 1, 20267.13%▼ from 7.15% Oct 26, 20267.15%▼ from 7.40% Oct 21, 20267.40%▼ from 7.51% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
7/1 ARM Adjustable	6.625%	0	7.098%	30 years
Details Maximum Loan to Value: 89%; Effective date: October 30, 2026 Last Updated 11/06/2026 Rate History 3 changes since Sep 15, 2026 · 6.81% → 7.10% ▲ 0.29 pts · high 7.17% / low 6.81% Nov 1, 20267.10%▼ from 7.17% Oct 21, 20267.17%▲ from 6.87% Sep 24, 20266.87%▲ from 6.81% Sep 15, 20266.81%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Fixed Mortgage No PMI 15 Year	6.95%	0	7.152%	15 years
Details Mortgage Type: No PMI; Maximum Loan to Value 90%; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 21, 2026 · 7.52% → 7.15% ▼ 0.37 pts · high 7.52% / low 7.15% Nov 6, 20267.15%▼ from 7.25% Oct 26, 20267.25%▼ from 7.52% Oct 21, 20267.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
No PMI Fixed Mortgage - 15 years	6.95%	0	7.152%	15 years
Details Maximum Loan to Value: 90%; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 21, 2026 · 7.52% → 7.15% ▼ 0.37 pts · high 7.52% / low 7.15% Nov 6, 20267.15%▼ from 7.25% Oct 26, 20267.25%▼ from 7.52% Oct 21, 20267.52%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
10/1 ARM Adjustable	7.00%	0	7.252%	30 years
Details Maximum Loan to Value: 89%; Effective date: October 30, 2026 Last Updated 11/06/2026 Rate History 3 changes since Sep 15, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.38% / low 7.00% Nov 1, 20267.25%▼ from 7.38% Oct 21, 20267.38%▲ from 7.13% Sep 24, 20267.13%▲ from 7.00% Sep 15, 20267.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Fixed Mortgage No PMI 30 Year	7.25%	0	7.379%	30 years
Details Mortgage Type: No PMI; Maximum Loan to Value 90%; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 21, 2026 · 7.63% → 7.38% ▼ 0.25 pts · high 7.63% / low 7.38% Nov 6, 20267.38%▼ from 7.43% Oct 26, 20267.43%▼ from 7.63% Oct 21, 20267.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
No PMI Fixed Mortgage - 30 years	7.25%	0	7.379%	30 years
Details Maximum Loan to Value: 90%; Effective date: November 5, 2026 Last Updated 11/06/2026 Rate History 2 changes since Oct 21, 2026 · 7.63% → 7.38% ▼ 0.25 pts · high 7.63% / low 7.38% Nov 6, 20267.38%▼ from 7.43% Oct 26, 20267.43%▼ from 7.63% Oct 21, 20267.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
15/1 ARM Adjustable	7.25%	0	7.423%	30 years
Details Maximum Loan to Value: 89%; Effective date: October 30, 2026 Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 7.55% → 7.42% ▼ 0.13 pts · high 7.55% / low 7.42% Nov 1, 20267.42%▼ from 7.55% Oct 21, 20267.55%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
Home Equity Loan - First Lien Position - Up to 60 Months	6.00%	-	6.009%	Up to 60 months
Details Requirements: Terms up to & including 60 mo. maximum 89% LTV; Loan amount: $10,000 - $250,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.01% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position - 61-120 Months	6.125%	-	6.132%	61-120 months
Details Requirements: Terms 61 up to & including 120 mo. with 89% LTV; Loan amount: $10,000 - $250,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.13% APR · checked 4 times 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; Minimum $10,000; Maximum $250,000 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 6.13% APR · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position - 121-180 Months	6.375%	-	6.382%	121-180 months
Details Requirements: Terms 121 up to & including 180 mo. with 89% LTV or below; Loan amount: $10,000 - $250,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.38% APR · checked 4 times 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; Minimum $10,000; Maximum $250,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.38% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Home Equity Loan - First Lien Position - 181-240 Months	6.50%	-	6.506%	181-240 months
Details Requirements: Terms 181 up to & including 240 mo. with 89% LTV or below; Loan amount: $10,000 - $250,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 6.51% APR · checked 4 times 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; Minimum $10,000; Maximum $250,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.63% APR · checked 10 times 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; Minimum $10,000; Maximum $250,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.76% APR · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

FNB of Scotia Auto Loan Rates

Product	Rate	Points	APR	Term
Auto/Motorcycle Loan	-	-	5.64%	6-60 months
Details As Low As; Vehicle condition and year: New, Used: 2027, 2026, 2025; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 5.64% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	5.89%	6-60 months
Details As Low As; Vehicle condition and year: Used: 2024-2023; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 5.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	6.14%	61-75 months
Details As Low As; Vehicle condition and year: New, Used: 2027, 2026, 2025; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	6.29%	6-60 months
Details As Low As; Vehicle condition and year: Used: 2022-2021; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	6.59%	61-75 months
Details As Low As; Vehicle condition and year: Used: 2024-2023; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	6.89%	61-75 months
Details As Low As; Vehicle condition and year: Used: 2022-2021; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 6.89% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	7.04%	6-60 months
Details As Low As; Vehicle condition and year: Used: 2020-2019; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 7.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	7.54%	61-75 months
Details As Low As; Vehicle condition and year: Used: 2020-2019; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 7.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Auto/Motorcycle Loan	-	-	8.74%	6-60 months
Details As Low As; Vehicle condition and year: Used: 2018-2016; Minimum Loan: $4,000; Lowest available rate, actual rate based on creditworthiness Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 8.74% APR · checked 5 times 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
Marine, Motor Homes, Travel Trailers Loan - New, Used 2027/2026/2025	-	9.00%	Up to 120 Months
Details As Low As; Down Payment 15%; Vehicle condition and year: New, Used: 2027, 2026, 2025 Last Updated 11/06/2026 Rate History No change since Nov 6, 2026 · 9.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Marine, Motor Homes, Travel Trailers Loans	-	9.00%	Up to 120 Months
Details As Low As; Vehicle condition and year: New, Used: 2027, 2026, 2025; Down Payment: 15% Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 10.25% → 9.00% ▼ 1.25 pts · high 10.25% / low 9.00% 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%
ATV, Snowmobiles, Jetskis Loan	-	9.75%	6-48 months
Details As Low As; Vehicle condition and year: New, Used, 2027, 2026, 2025 (Minimum $2,500); Down Payment: 20% Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 9.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Marine, Motor Homes, Travel Trailers Loan - Used 2016 and Newer (Titled Only)	-	10.25%	Up to 120 Months
Details $10,000 - $25,000; As Low As; Down Payment 15%; Vehicle condition and year: Used 2016 and Newer (Titled Only) $10,000 - $25,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 10.25% APR · checked 4 times 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 As Low As; Vehicle condition and year: Used 2016 and Newer (Titled Only) $10,000 - $25,000; Down Payment: 15% Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%

FNB of Scotia Personal Loan Rates

Product	APR	Term
Personal Loan - With 1st National Deposit Account as Collateral	6.00%	6-60 months
Details As Low As; Minimum loan: $4,000; Effective October 1, 2026 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.34%
Personal Loan - Unsecured	12.00%	6-36 months
Details As Low As; Minimum loan: $4,000; Effective October 1, 2026 Last Updated 11/06/2026 Rate History No change since Sep 15, 2026 · 12.00% APR · checked 8 times 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
1 Year Variable Rate IRA Savings	1.28%	-	1.28%	1 year
Min Deposit $50 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 1.03% → 1.28% ▲ 0.25 pts · high 1.28% / low 1.03% Oct 21, 20261.28%▲ from 1.03% Sep 24, 20261.03%first recorded 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.
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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.

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)

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	$719M	11.34%	5.0	A
March 31, 2026	$706M	11.14%	5.0	A
December 31, 2025	$699M	11.75%	5.0	A
September 30, 2025	$722M	10.05%	5.0	A
June 30, 2025	$701M	11.49%	5.0	A
March 31, 2025	$690M	11.79%	5.0	A
December 31, 2024	$676M	12.64%	5.0	A
September 30, 2024	$681M	12.81%	5.0	A
June 30, 2024	$665M	13.44%	5.0	A
March 31, 2024	$653M	4.85%	5.0	A+
December 31, 2023	$660M	6.10%	5.0	A
September 30, 2023	$679M	8.63%	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 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

Bank Name FNB of Scotia

Website https://www.firstscotia.com

Address 201 Mohawk Ave, Scotia, NY 12302 · Schenectady

Bank Holding Company GLENVILLE BANK HOLDING CO INC

FDIC Certificate # 11501

Regulator OCC

Established January 1, 1923

FDIC Insurance Date January 1, 1934

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.34%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7370%

Return on Equity (ROE)

7.7800%

Non-Performing Loans Ratio (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

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

FNB of Scotia earned the Verified Healthy badge

Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.

<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.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About FNB of Scotia

Does FNB of Scotia offer CDs?

Yes. FNB of Scotia current CD rates include its Relationship /New Money Special - 9-Month CD and IRA at 3.75% APY, its 1 Year CD and IRA at 3.12% APY and its 180-364 days 180 Day CD at 3.10% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from FNB of Scotia FDIC insured?

Yes. FNB of Scotia is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at FNB of Scotia?

The highest FNB of Scotia CD rate is its Relationship /New Money Special - 9-Month CD and IRA at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does FNB of Scotia offer?

FNB of Scotia CD rates are 3.75% APY for a 9 month CD, 3.12% APY for a 12 month CD, 2.85% APY for a 2 year CD, 2.90% APY for a 3 year CD, 2.94% APY for a 4 year CD and 2.97% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Scotia for its full lineup.

What is the highest savings rate at FNB of Scotia?

The highest FNB of Scotia savings rate is its 1 Year Variable Rate IRA Savings at 1.28% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at FNB of Scotia?

The highest FNB of Scotia money market rate is its Tiered Money Market Accounts at 3.25% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at FNB of Scotia?

The highest FNB of Scotia checking rate is its Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at FNB of Scotia?

The lowest FNB of Scotia 30 year fixed mortgage rate is its Fixed Mortgage - 30 years at 6.82%, verified by MonitorBankRates as of November 6, 2026. FNB of Scotia mortgage rates are 6.82% for a 30 year mortgage, 6.75% for a 20 year mortgage, 6.50% for a 15 year mortgage, 6.00% for a 5/1 ARM, 6.625% for a 7/1 ARM, 7.00% for a 10/1 ARM and 7.25% for a 15/1 ARM.

What is the lowest auto loan rate at FNB of Scotia?

The lowest FNB of Scotia auto loan rate is its Auto/Motorcycle Loan at 5.64% APR, verified by MonitorBankRates as of November 6, 2026.

What is the lowest personal loan rate at FNB of Scotia?

The lowest FNB of Scotia personal loan rate is its Personal Loan - With 1st National Deposit Account as Collateral at 6.00% APR, verified by MonitorBankRates as of November 6, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do FNB of Scotia rates compare?

FNB of Scotia's top CD rate of 3.75% APY on a 9 month CD is 28% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. FNB of Scotia's top rates are its 9-Months Relationship /New Money Special - 9-Month CD and IRA at 3.75% APY, its 1 Year Variable Rate IRA Savings at 1.28% APY, its Tiered Money Market Accounts at 3.25% APY, its Interest Checking at 0.10% APY, its 5/1 ARM Adjustable at 6.00% and its Personal Loan - With 1st National Deposit Account as Collateral at 6.00% APR, verified by MonitorBankRates on November 6, 2026.

Current FNB of Scotia Rates

12-Month CD3.12%
24-Month CD2.85%
36-Month CD2.90%
48-Month CD2.94%
60-Month CD2.97%
Savings1.28%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

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FNB of Scotia Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FNB of Scotia Texas Ratio

FNB of Scotia Health Trend

FNB of Scotia CD Rates

FNB of Scotia Savings Rates

FNB of Scotia Money Market Rates

FNB of Scotia Checking Rates

FNB of Scotia Mortgage Rates

FNB of Scotia Home Equity & HELOC

FNB of Scotia Auto Loan Rates

FNB of Scotia RV, Boat and Powersport Loan Rates

FNB of Scotia Personal Loan Rates

FNB of Scotia Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

FNB of Scotia earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FNB of Scotia

Does FNB of Scotia offer CDs?

Are CDs from FNB of Scotia FDIC insured?

What is the highest CD rate at FNB of Scotia?

What CD terms does FNB of Scotia offer?

What is the highest savings rate at FNB of Scotia?

What is the highest money market rate at FNB of Scotia?

What is the highest checking rate at FNB of Scotia?

What is the lowest 30 year fixed mortgage rate at FNB of Scotia?

What is the lowest auto loan rate at FNB of Scotia?

What is the lowest personal loan rate at FNB of Scotia?

How many branches does FNB of Scotia operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FNB of Scotia offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do FNB of Scotia rates compare?

Current FNB of Scotia Rates

Compare to Other Banks