MonitorBankRates
☰
  1. Home›
  2. Banks›
  3. Maple City Savings Bank
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

Maple City Savings Bank Rates & Review November 2026

Maple City Savings Bank's 6-Month CD (CDs) rates are at 3.85%, 12-Month CD (CDs) rates are at 3.75%, 9-Month CD (CDs) rates are at 3.75%, 15-Month CD (CDs) rates are at 3.25%, 18-Month CD (CDs) rates are at 3.25%. Maple City Savings Bank's savings rates are at 2.00%. Maple City Savings Bank's checking rates are as high as 3.50%. Maple City Savings Bank's Personal Loan Rates are as low as 14.375%. Maple City Savings Bank's top CD rate of 3.85% APY on a 6 month CD is 37% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Maple City Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.59%. Rates last updated and verified on 11/06/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A
Excellent Health Score: 94/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.59%
Excellent Higher than avg
Health Trend ?
Steady 12 quarters
Full history ›
Maple City Savings Bank, FSB
145 Main St
Hornell, NY 14843
https://www.maplecitysavings.com
MemberFDIC
Customer Reviews
Be the first to review
Write a Review
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.

Maple City Savings Bank CD Rates

Product Rate APY Term View More
6-Month CD (CDs) 3.73% 3.85% 6 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 22, 2026: 3.85% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
12-Month CD (CDs) - 3.75% 12 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
9-Month CD (CDs) - 3.75% 9 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
15-Month CD (CDs) 3.15% 3.25% 15 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
18-Month CD (CDs) 3.15% 3.25% 18 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Oct 22, 2026: 3.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
24-Month CD (CDs) 2.92% 3.00% 24 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
91 Day CD (CDs) 2.92% 3.00% 91 Days
Details IRA/Roth: No; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
36-Month CD (CDs) 2.68% 2.75% 36 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Oct 22, 2026: 2.75% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
48-Month CD (CDs) 2.44% 2.50% 48 Months
Details IRA/Roth: Yes; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Oct 22, 2026: 2.50% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
60-Month CD 2.19% 2.25% 60 Months
Details IRA/Roth: Yes
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Oct 22, 2026: 2.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
32 Day CD (CDs) 0.10% 0.10% 32 Days
Details IRA/Roth: No; Rates and APYs accurate as of September 28th, 2026
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Maple City Savings Bank Savings Rates

Product Rate APY View More
Thrive Savings 1.98% 2.00%
Min Balance $0
Details Qualifications Required; Qualifying balance up to $20,000.00
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.75% 0.75%
Min Deposit $10
Min Balance $250,000
Details Balance: $250,000.00 - $999,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.50% 0.50%
Min Deposit $10
Min Balance $100,000
Details Balance: $100,000.00 - $249,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.25% 0.25%
Min Deposit $10
Min Balance $50,000
Details Balance: $50,000.00 - $99,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.25% 0.25%
Min Deposit $10
Min Balance $1,000,000
Details Balance: $1,000,000.00 - $4,999,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Christmas Club 0.10% 0.10%
Min Deposit $5
Min Balance $10
Details Have an interest rate of 0.10% and an APY of 0.10%; must deposit $5.00 to open this account and maintain a minimum daily balance of $10.00 to earn interest and the stated APY
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.10% 0.10%
Min Deposit $10
Min Balance $10
Details Balance: $10.00 - $9,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.10% 0.10%
Min Deposit $10
Min Balance $10,000
Details Balance: $10,00.00 - $49,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Flex Savings 0.00% 0.00%
Min Deposit $10
Min Balance $5,000,000
Details Balance: $5,000,000.00 and over
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Maple City Savings Bank Checking Rates

Product Rate APY View More
Thrive Interest Checking - 3.50%
Min Deposit $25
Details Qualifications Required; Qualifying balance up to $15,000.00; Minimum to open $25
Last Updated 11/06/2026
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 24, 2026: 3.50% APYSep 24, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
NOW Checking - 0.25%
Min Deposit $25
Details Earn APY on entire balance; Free debit card; Free digital banking including online banking, mobile banking, eStatements; $5 monthly maintenance fee if monthly balance falls below $700; No debit card usage requirements
Last Updated 11/06/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Maple City Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan - 2022 & Newer 7.875% - 7.875% 3 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.88% APR · checked 4 times
7.38%7.88%8.38%Oct 22, 2026: 7.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 7.875% - 7.875% Up to 3 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 7.88% APR · checked 5 times
7.38%7.88%8.38%Oct 22, 2026: 7.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 8.00% - 8.00% 4 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.00% APR · checked 4 times
7.50%8.00%8.50%Oct 22, 2026: 8.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 8.00% - 8.00% Up to 4 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.00% APR · checked 5 times
7.50%8.00%8.50%Oct 22, 2026: 8.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 8.125% - 8.125% 5 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.13% APR · checked 4 times
7.63%8.13%8.63%Oct 22, 2026: 8.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 8.125% - 8.125% Up to 5 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.13% APR · checked 5 times
7.63%8.13%8.63%Oct 22, 2026: 8.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 8.25% - 8.25% 6 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.25% APR · checked 4 times
7.75%8.25%8.75%Oct 22, 2026: 8.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 8.25% - 8.25% Up to 6 Years
Details Model Year: 2022 & Newer; Credit Score: 750 & Over
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.25% APR · checked 5 times
7.75%8.25%8.75%Oct 22, 2026: 8.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 8.875% - 8.875% 3 Years
Details Model Year: 2016 - 2021; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.88% APR · checked 4 times
8.38%8.88%9.38%Oct 22, 2026: 8.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 8.875% - 8.875% 3 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.88% APR · checked 4 times
8.38%8.88%9.38%Oct 22, 2026: 8.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 8.875% - 8.875% Up to 3 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 8.88% APR · checked 5 times
8.38%8.88%9.38%Oct 22, 2026: 8.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 9.00% - 9.00% 4 Years
Details Model Year: 2016 - 2021; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Oct 22, 2026: 9.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 9.00% - 9.00% 4 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.00% APR · checked 4 times
8.50%9.00%9.50%Oct 22, 2026: 9.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 9.00% - 9.00% Up to 4 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.00% APR · checked 5 times
8.50%9.00%9.50%Oct 22, 2026: 9.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 9.125% - 9.125% 5 Years
Details Model Year: 2016 - 2021; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.13% APR · checked 4 times
8.63%9.13%9.63%Oct 22, 2026: 9.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 9.125% - 9.125% 5 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.13% APR · checked 4 times
8.63%9.13%9.63%Oct 22, 2026: 9.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 9.125% - 9.125% Up to 5 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.13% APR · checked 5 times
8.63%9.13%9.63%Oct 22, 2026: 9.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 9.25% - 9.25% 6 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.25% APR · checked 4 times
8.75%9.25%9.75%Oct 22, 2026: 9.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 9.25% - 9.25% Up to 6 Years
Details Model Year: 2022 & Newer; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.25% APR · checked 5 times
8.75%9.25%9.75%Oct 22, 2026: 9.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 9.875% - 9.875% 3 Years
Details Model Year: 2016 - 2021; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.88% APR · checked 4 times
9.38%9.88%10.38%Oct 22, 2026: 9.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 9.875% - 9.875% 3 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.88% APR · checked 4 times
9.38%9.88%10.38%Oct 22, 2026: 9.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 9.875% - 9.875% Up to 3 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 9.88% APR · checked 5 times
9.38%9.88%10.38%Oct 22, 2026: 9.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 10.00% - 10.00% 4 Years
Details Model Year: 2016 - 2021; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Oct 22, 2026: 10.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 10.00% - 10.00% 4 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.00% APR · checked 4 times
9.50%10.00%10.50%Oct 22, 2026: 10.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 10.00% - 10.00% Up to 4 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.00% APR · checked 5 times
9.50%10.00%10.50%Oct 22, 2026: 10.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 10.125% - 10.125% 5 Years
Details Model Year: 2016 - 2021; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.13% APR · checked 4 times
9.63%10.13%10.63%Oct 22, 2026: 10.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 10.125% - 10.125% 5 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.13% APR · checked 4 times
9.63%10.13%10.63%Oct 22, 2026: 10.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 10.125% - 10.125% Up to 5 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.13% APR · checked 5 times
9.63%10.13%10.63%Oct 22, 2026: 10.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2022 & Newer 10.25% - 10.25% 6 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.25% APR · checked 4 times
9.75%10.25%10.75%Oct 22, 2026: 10.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 10.25% - 10.25% Up to 6 Years
Details Model Year: 2022 & Newer; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.25% APR · checked 5 times
9.75%10.25%10.75%Oct 22, 2026: 10.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 10.875% - 10.875% 3 Years
Details Model Year: 2015 & Older; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.88% APR · checked 4 times
10.38%10.88%11.38%Oct 22, 2026: 10.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 10.875% - 10.875% 3 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.88% APR · checked 4 times
10.38%10.88%11.38%Oct 22, 2026: 10.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 10.875% - 10.875% Up to 3 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 10.88% APR · checked 5 times
10.38%10.88%11.38%Oct 22, 2026: 10.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 11.00% - 11.00% 4 Years
Details Model Year: 2015 & Older; Credit Score: 750 & Over; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Oct 22, 2026: 11.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 11.00% - 11.00% 4 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.00% APR · checked 4 times
10.50%11.00%11.50%Oct 22, 2026: 11.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 11.00% - 11.00% Up to 4 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.00% APR · checked 5 times
10.50%11.00%11.50%Oct 22, 2026: 11.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2016 - 2021 11.125% - 11.125% 5 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.13% APR · checked 4 times
10.63%11.13%11.63%Oct 22, 2026: 11.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 11.125% - 11.125% Up to 5 Years
Details Model Year: 2016 - 2021; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.13% APR · checked 5 times
10.63%11.13%11.63%Oct 22, 2026: 11.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 11.875% - 11.875% 3 Years
Details Model Year: 2015 & Older; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.88% APR · checked 4 times
11.38%11.88%12.38%Oct 22, 2026: 11.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 11.875% - 11.875% Up to 3 Years
Details Model Year: 2015 & Older; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 11.88% APR · checked 5 times
11.38%11.88%12.38%Oct 22, 2026: 11.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 12.125% - 12.125% 4 Years
Details Model Year: 2015 & Older; Credit Score: 700 - 750; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.13% APR · checked 4 times
11.63%12.13%12.63%Oct 22, 2026: 12.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 12.125% - 12.125% Up to 4 Years
Details Model Year: 2015 & Older; Credit Score: 700 - 750
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.13% APR · checked 5 times
11.63%12.13%12.63%Oct 22, 2026: 12.13% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 12.875% - 12.875% 3 Years
Details Model Year: 2015 & Older; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.88% APR · checked 4 times
12.38%12.88%13.38%Oct 22, 2026: 12.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 12.875% - 12.875% Up to 3 Years
Details Model Year: 2015 & Older; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.88% APR · checked 5 times
12.38%12.88%13.38%Oct 22, 2026: 12.88% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loan - 2015 & Older 13.00% - 13.00% 4 Years
Details Model Year: 2015 & Older; Credit Score: 620 - 700; Term (up to)
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 13.00% APR · checked 4 times
12.50%13.00%13.50%Oct 22, 2026: 13.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Auto Loans 13.00% - 13.00% Up to 4 Years
Details Model Year: 2015 & Older; Credit Score: 620 - 700
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 13.00% APR · checked 5 times
12.50%13.00%13.50%Oct 22, 2026: 13.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Maple City Savings Bank RV, Boat and Powersport Loan Rates

Product Rate APR Term View More
Recreational Vehicle Loan - ATV's & Motorcycles 12.25% 12.25% 5 Years
Details Term (up to); Model Year: 2020 and newer
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.25% APR · checked 5 times
11.75%12.25%12.75%Oct 22, 2026: 12.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Recreational Vehicle Loan - ATV's & Motorcycles 12.75% 12.75% 4 Years
Details Term (up to); Model Year: 2015 to 2019
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 12.75% APR · checked 5 times
12.25%12.75%13.25%Oct 22, 2026: 12.75% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Recreational Vehicle Loan - RV's & Boats 15.00% 15.00% 5 Years
Details Term (up to); Model Year: 2020 and newer
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 15.00% APR · checked 5 times
14.50%15.00%15.50%Oct 22, 2026: 15.00% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Recreational Vehicle Loan - RV's & Boats 15.25% 15.25% 4 Years
Details Term (up to); Model Year: 2015 to 2019
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 15.25% APR · checked 5 times
14.75%15.25%15.75%Oct 22, 2026: 15.25% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Maple City Savings Bank Personal Loan Rates

Product APR Term View More
Personal Loan - 3 Years 14.375% 3 Years
Details Term (up to); Unsecured, Fixed Rate Installment Loans; $2,500 Minimum loan amount
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 14.38% APR · checked 5 times
13.88%14.38%14.88%Oct 22, 2026: 14.38% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Personal Loans 14.375% Up to 3 Years
Details Minimum loan amount: $2,500
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 14.38% APR · checked 5 times
13.88%14.38%14.88%Oct 22, 2026: 14.38% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Personal Loan - 5 Years 15.375% 5 Years
Details Term (up to); Unsecured, Fixed Rate Installment Loans; $2,500 Minimum loan amount
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 15.38% APR · checked 5 times
14.88%15.38%15.88%Oct 22, 2026: 15.38% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%
Personal Loans 15.375% Up to 5 Years
Details Minimum loan amount: $2,500
Last Updated 11/06/2026
Rate History
No change since Oct 22, 2026 · 15.38% APR · checked 5 times
14.88%15.38%15.88%Oct 22, 2026: 15.38% APROct 22, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 11.59%

Financial Health History

Maple City Savings Bank’s Texas Ratio rose from 5.64% in Q3 2023 to 11.59% 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 and its Health Grade from A+ to A. 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 5.64% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A Q1 2025 A Q2 2025 A Q3 2025 A Q4 2025 A Q1 2026 11.59% A Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$122M11.59%5.0A
March 31, 2026$123M7.65%5.0A
December 31, 2025$122M8.59%5.0A
September 30, 2025$125M8.57%5.0A
June 30, 2025$128M11.30%5.0A
March 31, 2025$126M7.16%5.0A
December 31, 2024$128M5.76%5.0A+
September 30, 2024$126M5.82%5.0A+
June 30, 2024$128M5.34%5.0A+
March 31, 2024$125M5.26%5.0A+
December 31, 2023$121M3.27%5.0A+
September 30, 2023$119M5.64%5.0A+
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 Maple City Savings 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 Maple City Savings 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 Maple City Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Maple City Savings Bank
Address 145 Main St, Hornell, NY 14843  ·  Steuben
Bank Holding Company MAPLE CITY SAVINGS MHC
FDIC Certificate # 28585
Regulator OCC
Established January 1, 1905
FDIC Insurance Date August 9, 1989
Domestic Offices 3
Total Branches 3
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.59%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6537%
Return on Equity (ROE)
7.3000%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
$121,809,000
Total Deposits
$108,415,000
Equity Capital
$11,091,000
Net Income
$400,000
Headquarters
Hornell
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Maple City Savings 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/maple-city-savings-bank-fsb-rates-review-28585">
  <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

There are no reviews for Maple City Savings Bank yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Maple City Savings Bank
Your Name:
Your Rating:

Frequently Asked Questions About Maple City Savings Bank

Does Maple City Savings Bank offer CDs?

Yes. Maple City Savings Bank current CD rates include its 6-Month CD (CDs) at 3.85% APY, its 12-Month CD (CDs) at 3.75% APY and its 9-Month CD (CDs) at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Maple City Savings Bank FDIC insured?

Yes. Maple City Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Maple City Savings Bank?

The highest Maple City Savings Bank CD rate is its 6-Month Certificates of Deposit (CDs) at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Maple City Savings Bank offer?

Maple City Savings Bank CD rates are 3.85% APY for a 6 month CD, 3.75% APY for a 9 month CD, 3.75% APY for a 12 month CD, 3.25% APY for a 15 month CD, 3.25% APY for an 18 month CD, 3.00% APY for a 2 year CD, 2.75% APY for a 3 year CD, 2.50% APY for a 4 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Maple City Savings Bank for its full lineup.

What is the highest savings rate at Maple City Savings Bank?

The highest Maple City Savings Bank savings rate is its Thrive Savings at 2.00% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Maple City Savings Bank?

The highest Maple City Savings Bank checking rate is its Thrive Interest Checking at 3.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest auto loan rate at Maple City Savings Bank?

The lowest Maple City Savings Bank auto loan rate is its Auto Loan - 2022 & Newer at 7.875%, verified by MonitorBankRates as of November 6, 2026.

What is the lowest personal loan rate at Maple City Savings Bank?

The lowest Maple City Savings Bank personal loan rate is its Personal Loan - 3 Years at 14.375%, verified by MonitorBankRates as of November 6, 2026. Maple City Savings Bank personal loan rates are 14.375% for a 36 month personal loan and 15.375% for a 60 month personal loan.

How many branches does Maple City Savings Bank operate?

Maple City Savings Bank currently maintains approximately 3 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, Maple City Savings 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, Maple City Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Maple City Savings Bank offer online and mobile banking?

Most modern institutions like Maple City Savings 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.maplecitysavings.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Maple City Savings Bank rates compare?

Maple City Savings Bank's top CD rate of 3.85% APY on a 6 month CD is 37% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. Maple City Savings Bank's top rates are its 6-Months 6-Month Certificates of Deposit (CDs) at 3.85% APY, its Thrive Savings at 2.00% APY, its Thrive Interest Checking at 3.50% APY and its Personal Loan - 3 Years at 14.375% APR, verified by MonitorBankRates on November 6, 2026.

Current Maple City Savings Bank Rates

  • 12-Month CD3.75%
  • 18-Month CD3.25%
  • 24-Month CD3.00%
  • 36-Month CD2.75%
  • 48-Month CD2.50%
  • 60-Month CD2.25%
  • Savings2.00%
Retrieved from our database of financial products. Rates subject to change.