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Manasquan Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 12, 2026
Manasquan Bank's top rates as of October 12, 2026 are 4.00% APY on its 2 years 2 Year IRA Certificate, 3.00% APY on savings, 2.85% APY on money market accounts, 0.10% APY on checking, and 6.75% on its 3/6 ARM (Conforming) mortgage, according to rates verified by MonitorBankRates. Other Manasquan Bank CD rates include 18-Months 18-Month IRA Certificate at 3.80%, 18-Months IRA 18-Month MARKET PACER at 3.80%, and 18-Months IRA 18-Month MARKET PACER at 3.80%. Other Manasquan Bank mortgage rates include NJ Mortgage - 3/6 ARM (Conforming) at 6.75%, NJ Mortgage - 5/6 ARM (Conforming) at 6.75%, and NJ Mortgage - 7/6 ARM (Conforming) at 6.875%. MonitorBankRates evaluates the financial stability of Manasquan Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.71%. Rates last updated and verified on 10/12/2026.
Manasquan 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 Manasquan Bank? Share your experience about Manasquan Bank by leaving a review below, or read customer reviews before you decide to use Manasquan Bank.
Manasquan Bank has earned an overall safety grade of A (Excellent, Score: 97/100).
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.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Manasquan Bank has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
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.
Based on 1 customer review averaging 3.0 stars.
Texas Ratio
?
5.71%
ExcellentLower than avg
Manasquan Bank Texas Ratio
Manasquan Bank's Texas Ratio is 5.71%, which is considered excellent and is lower than the national average of 5.85%.
Manasquan Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.41% to 5.71% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Manasquan Bank CD Rates
Product
Rate
APY
Term
View More
2 Year IRA Certificate
-
4.00%
2 years
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 4.00% APY · checked 5 times
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
18 Month IRA Certificate
-
3.80%
18 months
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 3.80% APY · checked 5 times
No change since Oct 8, 2026 · 2.50% APY · checked 2 times
Institution Ratings
4.9
Star Rating
A
Health Grade
◈ Texas Ratio: 5.71%
Financial Health History
Manasquan Bank’s Texas Ratio rose from 0.41% in Q3 2023 to 5.71% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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
$3.6B
5.71%
5.0
A+
March 31, 2026
$3.5B
6.61%
5.0
A
December 31, 2025
$3.4B
7.67%
5.0
A
September 30, 2025
$3.4B
7.80%
5.0
A
June 30, 2025
$3.3B
6.82%
5.0
A
March 31, 2025
$3.3B
5.42%
5.0
A+
December 31, 2024
$3.2B
5.65%
5.0
A+
September 30, 2024
$3.1B
0.40%
5.0
A+
June 30, 2024
$3.0B
0.41%
5.0
A+
March 31, 2024
$3.0B
0.46%
5.0
A+
December 31, 2023
$2.9B
0.38%
5.0
A+
September 30, 2023
$2.9B
0.41%
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 Manasquan 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 Manasquan 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 Manasquan Bank's official website for the most current offers and terms.
Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
Kenneth Brown Sr.
★★★☆☆
October 20, 2025
Please increase the intrest rates on your 6 and 12 month C.D.s. Business will increase big time. Your loyal people will no longer need other banks for C.D. accounts. I don\'t think I will hold my breath waiting.
Want to discuss Manasquan Bank with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★☆☆
Total Reviews
1
Add Your Rating and Review for Manasquan Bank
Frequently Asked Questions About Manasquan Bank
How many branches does Manasquan Bank operate?
Manasquan Bank currently maintains approximately 15 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, Manasquan 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, Manasquan Bank provides members with tools to manage their accounts and build a solid financial history.
Does Manasquan Bank offer online and mobile banking?
Most modern institutions like Manasquan 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.manasquanbank.com.
Current Manasquan Bank Rates
12-Month CD3.25%
18-Month CD3.80%
24-Month CD4.00%
36-Month CD3.00%
60-Month CD3.00%
Savings3.00%
MMA2.85%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
