What are the current interest rates at New Valley Bank & Trust?

Current rates for New Valley Bank & Trust include: 12-Month CD: 0.20%, 18-Month CD: 0.25%, 24-Month CD: 2.50%, 36-Month CD: 2.75%, 48-Month CD: 2.75%, 60-Month CD: 3.00%, Savings: 0.01%, MMA: 0.01%

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New Valley Bank & Trust

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New Valley Bank & Trust Rates & Review September 2026

Q: How many branches does New Valley Bank & Trust operate?

New Valley Bank & Trust currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, New Valley Bank & Trust 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: September 19, 2026

New Valley Bank & Trust's 60-Month Certificate of Deposit rates are at 3.00%, 60-Month IRA Certificate rates are at 3.00%, 36-Month Certificate of Deposit rates are at 2.75%, 36-Month IRA Certificate rates are at 2.75%, 48-Month Certificate of Deposit rates are at 2.75%. New Valley Bank & Trust's savings rates are at 0.01%. New Valley Bank & Trust's money market rates are at 0.01%. MonitorBankRates evaluates the financial stability of New Valley Bank & Trust with a 4.4 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.68%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

21.68%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

New Valley Bank & Trust

1 Monarch Pl
Springfield, MA 01144

https://www.banknewvalley.com

New Valley Bank & Trust CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit	-	3.00%	60 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
60 Month IRA Certificate	-	3.00%	60 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
36 Month Certificate of Deposit	2.71%	2.75%	36 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
36 Month IRA Certificate	2.71%	2.75%	36 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
48 Month Certificate of Deposit	2.71%	2.75%	48 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
48 Month IRA Certificate	2.71%	2.75%	48 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
24 Month Certificate of Deposit	-	2.50%	24 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
24 Month IRA Certificate	-	2.50%	24 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
18 Month Certificate of Deposit	0.25%	0.25%	18 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
18 Month IRA Certificate	0.25%	0.25%	18 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
12 Month Certificate of Deposit	0.20%	0.20%	12 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
12 Month IRA Certificate	0.20%	0.20%	12 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
6 Month Certificate of Deposit	0.15%	0.15%	6 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
6 Month IRA Certificate	0.15%	0.15%	6 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
3 Month Certificate of Deposit	0.10%	0.10%	3 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
3 Month IRA Certificate	0.10%	0.10%	3 Month
Min Deposit $500 Details Rates are fixed and in effect for the initial term of the account. Interest is compounded daily and credited monthly. Stated APYs are based on the assumption that interest will remain on deposit until maturity. An interest penalty may be imposed for early withdrawals for time deposits and IRAs. Fees may reduce earnings. See Personal Schedule of Fees and Business Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%

New Valley Bank & Trust Savings Rates

Product	Rate	APY
Business Not for Profit Savings	1.98%	2.00%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
18/65 Benchmark Savings	0.01%	0.01%
Min Balance $10 Details 18-65 Law Notice - Important Notice for Persons 18 Years of Age or Under or 65 Years of Age or Older APY - Annual Percentage Yield. APYs stated are accurate as of October 31, 2025. Rates may change without notice and may change after the account is opened. Interest is compounded daily and credited monthly. You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Benchmark Savings	0.01%	0.01%
Min Balance $10 Details You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business Savings	0.01%	0.01%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
IRA Savings	0.01%	0.01%
Min Balance $10 Details You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%

New Valley Bank & Trust Money Market Rates

Product	Rate	APY
APEX Money Market	2.71%	2.75%
Min Balance $500,000 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Monarch Checking account with an active debit card required. E-Statements required to avoid a $3.00 paper statement fee. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business APEX Money Market	2.71%	2.75%
Min Balance $500,000 Details Balance: $500,000 + above Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business Municipal Money Market	2.71%	2.75%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
APEX Money Market	2.23%	2.25%
Min Balance $100,000 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Monarch Checking account with an active debit card required. E-Statements required to avoid a $3.00 paper statement fee. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business APEX Money Market	2.23%	2.25%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
APEX Money Market	1.73%	1.75%
Min Balance $10 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. Monarch Checking account with an active debit card required. E-Statements required to avoid a $3.00 paper statement fee. See Personal Schedule of Fees for product and service fee information. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business APEX Money Market	1.73%	1.75%
Min Balance $10 Details Balance: $10 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Commercial Money Market	0.35%	0.35%
Min Balance $500,000 Details Balance: $500,000 + above Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Money Market	0.35%	0.35%
Min Balance $500,000 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Monthly maintenance charge easily waived with $2,500 daily balance minimum or $10,000 in related deposit balances. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Commercial Money Market	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Money Market	0.20%	0.20%
Min Balance $100,000 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Monthly maintenance charge easily waived with $2,500 daily balance minimum or $10,000 in related deposit balances. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Commercial Money Market	0.01%	0.01%
Min Balance $10 Details Balance: $10 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Money Market	0.01%	0.01%
Min Balance $10 Details Stated APY for each tier will apply to the entire balance in your account. Tier levels and APYs are subject to change without notice. Customer must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Monthly maintenance charge easily waived with $2,500 daily balance minimum or $10,000 in related deposit balances. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%

New Valley Bank & Trust Checking Rates

Product	Rate	APY
Business Not for Profit Checking	0.15%	0.15%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Signature Checking	0.15%	0.15%
Min Balance $10 Details You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Monthly maintenance charge easily waived with $5,000 daily balance minimum or $25,000 in related deposit balances. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Business Capital Checking	0.01%	0.01%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%
Direct Checking	0.01%	0.01%
Min Balance $10 Details You must maintain the minimum balance daily to earn the stated APY. Fees could reduce earnings. See Personal Schedule of Fees for product and service fee information. Monthly maintenance charge easily waived with $1,000 daily balance minimum or $10,000 in related deposit balances. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%

New Valley Bank & Trust Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business IOLTA	0.30%	-	0.30%
Min Balance $10 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating B Health Grade ◈ Texas Ratio: 21.68%

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.

Financial Health History

New Valley Bank & Trust’s Texas Ratio rose from 5.24% in Q3 2023 to 21.68% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.4 and its Health Grade from A+ to B. 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	$385M	21.68%	4.4	B
March 31, 2026	$381M	25.27%	4.1	C+
December 31, 2025	$339M	29.96%	3.8	C-
September 30, 2025	$366M	32.84%	3.5	D
June 30, 2025	$340M	35.85%	3.3	D
March 31, 2025	$341M	37.15%	3.2	D
December 31, 2024	$325M	27.08%	4.0	C
September 30, 2024	$345M	26.79%	4.0	C
June 30, 2024	$341M	18.21%	4.7	B+
March 31, 2024	$337M	22.43%	4.4	B-
December 31, 2023	$333M	6.19%	5.0	A
September 30, 2023	$319M	5.24%	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 New Valley Bank & Trust 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 New Valley Bank & Trust 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 New Valley Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name New Valley Bank & Trust

FDIC Certificate # 59143

Address 1 Monarch Pl, Springfield, MA 01144 · Hampden

Website https://www.banknewvalley.com

Established 20190530

FDIC Insurance Date 20190530

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.4

Excellent Out of 5.0 Stars

21.68%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0842%

Return on Equity (ROE) 1.1400%

Non-Performing Loans (NPL) 1.54%

Total Assets $384,970,000

Total Deposits $321,386,000

Equity Capital $27,375,000

Net Income $155,000

Headquarters Springfield

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About New Valley Bank & Trust

How many branches does New Valley Bank & Trust operate?

New Valley Bank & Trust 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, New Valley Bank & Trust 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, New Valley Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does New Valley Bank & Trust offer online and mobile banking?

Most modern institutions like New Valley Bank & Trust 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.banknewvalley.com.