FNB of Scotia Rates and Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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FNB of Scotia's 9-Months Relationship/New Money Special - 9-Month CD and IRA rates are at 3.75%, 60-Month Certificates and IRA rates are at 2.72%, 48-Month Certificates and IRA rates are at 2.69%, 36-Month Certificates and IRA rates are at 2.65%, 24-Month Certificates and IRA rates are at 2.60%. FNB of Scotia's savings rates are at 0.10%. FNB of Scotia's money market rates are at 0.65%. FNB of Scotia's 15 Year Fixed Rate rates are at 5.62%, 30 Year Fixed Rate rates are at 5.80%, 20 Year Fixed Rate rates are at 5.85%. 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 8.63%. Rates were last updated on 03/02/2026.
Rate Updates and AvailabilityFNB 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 RatioFNB of Scotia's Texas Ratio is at 8.63%, which is considered excellent. The Texas Ratio for FNB of Scotia is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Exceptional
Out of 5.0 Stars
FNB of Scotia has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, FNB of Scotia is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Overall Health & Safety Grade
A
Excellent Health
Score: 96/100
FNB of Scotia has earned an overall safety grade of A. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. Rates Last Updated: 03/02/2026 
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 Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewFNB of Scotia
201 Mohawk AveScotia, 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 Website: https://www.firstscotia.com
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
Financial Health & AssetsMonitorBankRates Star Rating:
5.0 / 5.0 ★
Overall Health & Safety Grade:
A (96/100)
Texas Ratio:
8.63%
Return on Assets (ROA):
0.7495%
Return on Equity (ROE):
10.9400%
Non-Performing Loans (NPL):
0.58%
Total Assets:
$698,520,000
Total Deposits:
$613,915,000
Equity Capital:
$66,293,000
Net Income:
$5,040,000
Headquarters:
Scotia
Regulator:
OCC
# of Offices:
10
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About FNB of ScotiaHow do I open an account at FNB of Scotia?You can typically open an account at FNB of Scotia by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, FNB of Scotia provides a range of mortgage and home equity products. Is FNB of Scotia a safe place to deposit money?Yes, FNB of Scotia is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does FNB of Scotia offer online and mobile banking?Most modern institutions like FNB of Scotia provide digital access including online balance checks and transfers. Compare to other Banks |
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