What are the current interest rates at M&T Bank?

Current rates for M&T Bank include: 18-Month CD: 3.85%

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M&T Bank Rates & Review August 2026

Q: How many branches does M&T Bank operate?

M&T Bank currently maintains approximately 986 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, M&T 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, M&T 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 and Verified: August 28, 2026

M&T Bank's 18-Months 18-Month SELECT Certificate of Deposit rates are at 3.85%, 18-Month M&T Select CD rates are at 3.85%. MonitorBankRates evaluates the financial stability of M&T Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.17%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.17%

Excellent Higher than avg

M&T Bank

1 M And T Plz
Buffalo, NY 14203

https://www3.mtb.com

M&T Bank CD Rates

Product	Rate	APY	Term
18 MONTH SELECT Certificate of Deposit	-	3.85%	18 months
Min Deposit $1,000 Details Requires a qualifying checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
18-Month M&T Select CD	3.78%	3.85%	18-Month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

M&T Bank Checking Rates

Product	Rate	APY
MyChoice Plus Checking Account	0.01%	0.01%
Min Deposit $25 Min Balance $1 Details Interest is compounded daily and paid monthly. The interest rates and Annual Percentage Yields (APYs) shown are the current rates for new accounts only and the rates may change at any time. This is a variable-rate account and the rate may change after the account is opened. All interest rates by balance amounts and APYs stated are accurate as of 08/24/2026. Fees could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%
MyChoice Premium Checking	0.01%	0.01%
Min Deposit $25 Min Balance $1 Details Interest is compounded daily and paid monthly. The interest rates and Annual Percentage Yields (APYs) shown are the current rates for new accounts only and the rates may change at any time. This is a variable-rate account and the rate may change after the account is opened. All interest rates by balance amounts and APYs stated are accurate as of . Fees could reduce earnings on the account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

M&T Bank Credit Card Rates

Product	Rate	APR	View More
M&T Business Credit Card	-	13.74%
Details Intro rate expires: 12 months; Regular APR: 13.74% and 20.74% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.17%

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 M&T 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 M&T 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 M&T Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name M&T Bank

Bank Holding Company M&T BANK CORP

Address 1 M And T Plz, Buffalo, NY 14203 · Erie

Website https://www3.mtb.com

FDIC Certificate # 588

Established 01/01/1856

FDIC Insurance Date 01/01/1934

Domestic Offices 983

Total Branches 986

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3954%

Return on Equity (ROE) 11.4200%

Non-Performing Loans (NPL) 1.31%

Total Assets $212,887,157,000

Total Deposits $171,492,971,000

Equity Capital $28,333,192,000

Net Income $2,949,420,000

Headquarters Buffalo

Total Branches and Offices 986

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About M&T Bank

How many branches does M&T Bank operate?

M&T Bank currently maintains approximately 986 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, M&T 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, M&T Bank provides members with tools to manage their accounts and build a solid financial history.

Does M&T Bank offer online and mobile banking?

Most modern institutions like M&T 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://www3.mtb.com.