What are the current interest rates at Five Rivers Bank?

Current rates for Five Rivers Bank include: MMA: 4.25%

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Five Rivers Bank Rates & Review September 2026

Item: Five Rivers Bank
Rating: 5
Author: Yadvinder Singh

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Five Rivers Bank's money market rates are at 4.25%. MonitorBankRates evaluates the financial stability of Five Rivers Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/22/2026.

Five Rivers Bank 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 Five Rivers Bank? Share your experience about Five Rivers Bank by leaving a review below, or read customer reviews before you decide to use Five Rivers Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 5 quarters

Full history ›

Five Rivers Bank

81 E State Rt 4
Paramus, NJ 07652

https://www.fiveriversbank.com

Five Rivers Bank Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	4.25%
Min Deposit $500 Details The APY is variable and may change at any time after the account is opened without prior notice. A $15 monthly maintenance fee will be assessed if the daily balance falls below $5,000 on any day during the statement cycle. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

Five Rivers Bank’s Texas Ratio stayed near 0.00% in Q2 2025 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 5 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$78M	0.00%	5.0	A+
March 31, 2026	$38M	0.00%	5.0	A+
December 31, 2025	$34M	0.00%	5.0	A+
September 30, 2025	$31M	0.00%	5.0	A+
June 30, 2025	$32M	0.00%	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 Five Rivers Bank 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 Five Rivers Bank 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 Five Rivers Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Five Rivers Bank

FDIC Certificate # 59345

Address 81 E State Rt 4, Paramus, NJ 07652 · Bergen

Website https://www.fiveriversbank.com

Established 20250512

FDIC Insurance Date 20250512

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -8.0840%

Return on Equity (ROE) -14.2500%

Non-Performing Loans (NPL) 0.00%

Total Assets $78,136,000

Total Deposits $49,764,000

Equity Capital $27,379,000

Net Income $-2,025,000

Headquarters Paramus

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Five Rivers Bank 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/five-rivers-bank-rates-review-59345">
  <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

Yadvinder Singh

★★★★★

May 7, 2026

Best community bank in paramus , exceptional customer service

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About Five Rivers Bank

How many branches does Five Rivers Bank operate?

Five Rivers Bank currently maintains approximately 1 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, Five Rivers Bank 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, Five Rivers Bank provides members with tools to manage their accounts and build a solid financial history.

Does Five Rivers Bank offer online and mobile banking?

Most modern institutions like Five Rivers Bank 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.fiveriversbank.com.