M&T Bank Rates and Review January 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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M&T Bank's 6-Month CD rates are at 0.00%, 12-Month CD (Select) rates are at 0.00%. M&T Bank's 30-Year Fixed Jumbo rates are at 6.00%, 15-Year Fixed Jumbo rates are at 5.75%.
To see how these rates compare to M&T Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from M&T Bank, 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 M&T Bank CD rates. You can also compare M&T Bank savings rates, MMA rates and mortgage rates using our other rate lists. 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. M&T Bank Texas RatioM&T Bank's Texas Ratio is at 17.62%, which is considered excellent. The Texas Ratio for M&T Bank 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
Excellent
Out of 5.0 Stars
M&T Bank 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, M&T Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. M&T Bank CD Rates and Interest Rates
M&T Bank
6-Month CD
0.00%
$1,000
M&T Bank
12-Month CD (Select)
0.00%
$1,000
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Compare M&T Bank Rates with Other Competitive Bank and Credit Union Rates
America First Federal Credit Union
36-Month CD
4.05%
$500
TAB Bank
12-Month CD
3.90%
$1,000
Mid-America Bank
24-Month CD
3.79%
$500
New Albin Savings Bank
12-Month CD
3.75%
$1,000
CIT Bank
6-Month CD
3.75%
$1,000
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. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Bank Profile & OverviewM&T Bank
1 M And T PlzBuffalo, NY 14203 Erie Established Date: 01/01/1856 FDIC Certificate #: 588 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: M&T BANK CORP How Many Domestic U.S. Offices? 1,050 How Many Branches are There? 1,017 Website: https://www3.mtb.com
Is M&T Bank FDIC Insured? Yes
What is M&T Bank's Cert number? 588
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$214,668,315,000
Total Deposits:
$170,520,069,000
Equity Capital:
$25,983,939,000
Net Income:
$547,506,000
Return on Assets (ROA):
1.3954%
Return on Equity (ROE):
11.4200%
Headquarters:
Buffalo
Regulator:
FED
# of Offices:
1053
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for M&T Bank yet. Feel free to create one below.
Add Your Rating and Review for M&T Bank
Frequently Asked Questions About M&T BankHow do I open an account at M&T Bank?You can typically open an account at M&T Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, M&T Bank provides a range of mortgage and home equity products. Is M&T Bank a safe place to deposit money?Yes, M&T Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does M&T Bank offer online and mobile banking?Most modern institutions like M&T Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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