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 1.01%, 6-month CD rates at 4.50% and 3-month CD rates at 3.05%. Current savings rates are at 0.25% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 7.02%. Credit Card rates are at 13.50%. Personal Loan rates are at 11.99%. All these rates, and more, can be found in our database of rates. FNB of Scotia's 11-Month CD special rates are at 5.01%, 60-Month CD rates are at 0.70%, 48-Month CD rates are at 0.65%, 36-Month CD rates are at 0.62%, 24-Month CD rates are at 0.50%. 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 6.55%, 20-Year Fixed rates are at 6.38%, 15-Year Fixed rates are at 6.25%.

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
0.45%
24-Month CD
0.50%
36-Month CD
0.62%
48-Month CD
0.65%
60-Month CD
0.70%
Savings
0.07%
MMA
0.30%
30-Year Fixed
6.63%
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
11-Month CD special
5.01%
$25,000
FNB of Scotia
FNB of Scotia
60-Month CD
0.70%
$500
FNB of Scotia
FNB of Scotia
48-Month CD
0.65%
$500
FNB of Scotia
FNB of Scotia
36-Month CD
0.62%
$500
FNB of Scotia
FNB of Scotia
24-Month CD
0.50%
$500
FNB of Scotia
FNB of Scotia
18-Month CD
0.45%
$500
FNB of Scotia
FNB of Scotia
Money Market
0.30%
$2,500
FNB of Scotia
FNB of Scotia
3-Month CD
0.20%
$2,500
FNB of Scotia
FNB of Scotia
1-Month CD
0.20%
$2,500
FNB of Scotia
FNB of Scotia
Day of Deposit Savings
0.07%
$25
FNB of Scotia
FNB of Scotia
NOW Accounts
0.05%
$500
FNB of Scotia
FNB of Scotia
6-Month CD
0.04%
$2,500
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
30-Year Fixed
6.550%
6.627%
0.000
FNB of Scotia
FNB of Scotia
20-Year Fixed
6.375%
6.475%
0.000
FNB of Scotia
FNB of Scotia
15-Year Fixed
6.250%
6.375%
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
American National Bank - Fox Cities
American National Bank - Fox Cities
7-Month CD
4.50%
$500
The Bank of Tescott
The Bank of Tescott
12-Month CD
4.04%
$0
Vermont State Bank
Vermont State Bank
36-Month CD
4.19%
$500
Hoyne Savings Bank
Hoyne Savings Bank
30-Month CD
3.00%
$500
Community Bank of Oelwein
Community Bank of Oelwein
10-Month CD Jumbo
5.15%
$100,000
Peoples Bank Coldwater, KS
Peoples Bank Coldwater, KS
Passbook Savings
0.25%
$50
Artisans Bank
Artisans Bank
30-Month CD
0.20%
$1,500
Federation Bank
Federation Bank
Savings Account
0.05%
$50
Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company
3-Month CD
1.26%
$500
WVS West View SB
WVS West View SB
Premiere Money Market Fund
0.05%
$1,000
Northrim Bank
Northrim Bank
Classic Savings
0.15%
$0
First Federal Bank of Kansas City
First Federal Bank of Kansas City
24-Month CD
2.02%
$1,000
Twin River Bank
Twin River Bank
3-Month CD
4.94%
$500
FNB of Pandora
FNB of Pandora
24-Month CD
1.31%
$1,000
First Independent Bank Russell, MN
First Independent Bank Russell, MN
Savings Account Statement
0.25%
$0
Fulton Bank
Fulton Bank
25-Month CD special new money
4.25%
$1,000
Sikorsky Credit Union
Sikorsky Credit Union
Kasasa Cash Rewards Checking
4.00%
$25
Bank First, NA
Bank First, NA
First Savings
0.10%
$0
Marion Center Bank
Marion Center Bank
Money Market
0.50%
$1,000
First Hope Bank
First Hope Bank
36-Month CD
1.00%
$2,500
Miami Savings Bank
Miami Savings Bank
18-Month CD
0.20%
$1,000
Falcon National Bank
Falcon National Bank
24-Month CD
2.75%
$500
Hatboro Federal Savings
Hatboro Federal Savings
36-Month CD
1.25%
$1,000
Franklin SB Farmington, ME
Franklin SB Farmington, ME
6-Month CD
4.75%
$500
The Citizens Bank Hickman, KY
The Citizens Bank Hickman, KY
12-Month CD
2.22%
$500
Citizens Federal S&LA
Citizens Federal S&LA
9-Month CD
5.04%
$500
BankSouth GA
BankSouth GA
17-Month CD
3.50%
$500
Spring Bank Brookfield, WI
Spring Bank Brookfield, WI
Savings Account
0.25%
$100
Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company
Regular Savings
0.45%
$200
OneLocal Bank
OneLocal Bank
High Yield Money Market
4.00%
$1,000,000
Texas Heritage National Bank
Texas Heritage National Bank
Freedom Savings Tier 1
0.50%
$0
Marcus Bank
Marcus Bank
18-Month CD
5.25%
$500
FNB of Litchfield
FNB of Litchfield
Savings
0.15%
$500
Ridgewood Savings Bank
Ridgewood Savings Bank
6-Month CD
3.30%
$100
Jonah Bank of Wyoming
Jonah Bank of Wyoming
Checking Account
0.60%
$0
Peoples B&T Co. Ryan, OK
Peoples B&T Co. Ryan, OK
18-Month CD
0.60%
$500
Citizens Savings Bank Spillville, IA
Citizens Savings Bank Spillville, IA
48-Month CD
3.75%
$1,000
Peoples State Bank Ellettsville, IN
Peoples State Bank Ellettsville, IN
36-Month CD
1.92%
$500
BankNewport
BankNewport
Statement Savings
0.05%
$100
Farmers Trust and Savings Bank Spencer, IA
Companion Savings Account
3.53%
$1,000
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
7-Month CD special
4.50%
$1,000
Bank of America
Bank of America
18-Month CD
0.03%
$1,000
Marion County State Bank
Marion County State Bank
6-Month CD
3.50%
$1,000
mph.bank, a division of Liberty Savings Bank
mph.bank, a division of Liberty Savings Bank
18-Month CD via Raisin
3.00%
$1
Gorham Savings Bank
Gorham Savings Bank
8-Month CD special
4.85%
$500
Bank Plus
Bank Plus
Savings Account
0.05%
$25
Avidia Bank
Avidia Bank
48-Month CD
4.08%
$1,000
American Commerce Bank, N.A.
American Commerce Bank, N.A.
25-Month CD special
4.10%
$1,000
Arvest Bank
Arvest Bank
6-Month CD
4.49%
$0
State Bank of Danvers
State Bank of Danvers
36-Month CD
3.12%
$250
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
8.375%
8.432%
0.375
8.250%
8.411%
0.000
8.150%
8.354%
0.000
10-Year ARM
8.000%
8.099%
0.000
5-Year Jumbo ARM
5.875%
8.098%
2.000
30-Year Jumbo Fixed
7.750%
7.911%
1.000
5-Year ARM FHA
5.750%
7.888%
2.000
7-Year ARM
7.500%
7.847%
0.000
5Y/6M ARM
6.750%
7.841%
0.881
7-Year ARM
6.990%
7.764%
0.000
30-Year Fixed
7.421%
7.750%
0.000
7.500%
7.746%
0.000
7.500%
7.735%
1.000
5-Year ARM
6.000%
7.685%
2.000
7.500%
7.682%
1.000
6.500%
7.670%
0.500
5/6 Month ARM
6.750%
7.623%
1.000
6.500%
7.600%
0.500
7.250%
7.591%
0.000
7.500%
7.573%
0.000
30-Year Fixed FHA
6.000%
7.565%
0.000
6.875%
7.559%
0.000
7Y/6M ARM
6.500%
7.545%
0.908
7.125%
7.524%
1.000
6.625%
7.510%
0.500
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

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Nationwide Bank, the banking arm of Nationwide Mutual Insurance Company, is offering a respectable rate on their money market account. The annual percentage yield on the money market account is currently 2.15 percent as of May 11, 2009. The annual percentage yield is for all account balances.
AmTrust Direct is offering some of the best savings account rates and money market account rates currently available. The bank’s current savings account  yield on their e-Savings Account is 1.00 percent for account balances between $1 and $99,999. The average savings account rate is less than half AmTrust's rate.

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FNB of Scotia Reviews

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