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Freehold Bank

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Freehold Bank Rates & Review May 2026

Q: How many branches does Freehold Bank operate?

Freehold Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Freehold 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freehold Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 5, 2026

Freehold Bank's 9-Month CD rates are at 3.75%. MonitorBankRates evaluates the financial stability of Freehold Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.32%. Rates were last updated on 05/05/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.32%

Excellent Lower than avg

Freehold Bank

68 W Main St
Freehold, NJ 07728

Freehold Bank CD Rates

Product	Rate	APY	Term	View More
9 Month CD	-	3.75%	9
Min Deposit $5,000 Details No checking account required to enjoy this rate. Open online or in-branch with new money of $5,000 or more. Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

Freehold Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loan	6.50%	-	6.50%
Details Interest Rate with Auto Debit Discount Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.32%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Freehold 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 Freehold 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 Freehold Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Freehold Bank

Bank Holding Company COLUMBIA BANK MHC

Address 68 W Main St, Freehold, NJ 07728 · Monmouth

Website https://www.myfreeholdbank.com

FDIC Certificate # 30519

Established 01/01/1869

FDIC Insurance Date 08/09/1989

Domestic Offices 2

Total Branches 0

Regulator OCC

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

0.32%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.2484%

Return on Equity (ROE) 1.7500%

Non-Performing Loans (NPL) 0.05%

Total Assets $265,452,000

Total Deposits $189,786,000

Equity Capital $46,386,000

Net Income $1,106,000

Headquarters Freehold

Total Offices 2

Source: FDIC | Last Updated 09/30/2024

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Freehold Bank

How many branches does Freehold Bank operate?

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

Does Freehold Bank offer online and mobile banking?

Most modern institutions like Freehold 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.myfreeholdbank.com.