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.
NVE Bank's Certificate of Deposit 7-Month rates are at 3.63%, Certificate of Deposit 36-Month rates are at 0.70%, Certificate of Deposit 3-Month rates are at 0.65%, Certificate of Deposit 12-Month rates are at 0.30%, Certificate of Deposit 18-Month rates are at 0.30%. NVE Bank's savings rates are at 0.07%.
Rate Updates and Availability
NVE 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 NVE Bank? Share your experience about NVE Bank by leaving a review below, or read customer reviews before you decide to use NVE Bank.
NVE Bank Texas Ratio
NVE Bank's Texas Ratio is at 11.31%, which is considered excellent.
The Texas Ratio for NVE 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
NVE 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, NVE Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.
DetailsFixed during draw period then Prime floating monthly during repayment. Floor: 5.50% during repayment period. Interest only payments during the draw period will be equal to the amount of accrued finance charges on the last day of the billing cycle. Principal plus Interest payments during the repayment period will be equal to the accrued finance charge on the last day of the billing cycle plus .417% of the principal balance outstanding on the last day of the draw period. A minimum principal payment of $50.00 will be required.
Last Updated02/11/2026
HELOC Program 5 year / 20 year
-
-
6.75%
25 Years
DetailsPrime floating monthly. Floor: 5.50%. Interest only payments during the draw period will be equal to the amount of accrued finance charges on the last day of the billing cycle. Principal plus Interest payments during the repayment period will be equal to the accrued finance charge on the last day of the billing cycle plus .417% of the principal balance outstanding on the last day of the draw period. A minimum principal payment of $50.00 will be required.
Last Updated02/11/2026
15 yr Fixed Home Equity Loan
7.00%
-
7.00%
15 Years
Details1-4 Family
Last Updated02/11/2026
20 yr Fixed Home Equity Loan
7.25%
-
7.25%
20 Years
Details1-4 Family
Last Updated02/11/2026
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for NVE 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 NVE 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 NVE Bank's official website for the most current offers and terms.
Bank Profile & Overview
NVE Bank
76 Engle St Englewood, NJ 07631 Bergen
Established Date: 01/01/1887
FDIC Certificate #: 29875
Date of FDIC Deposit Insurance: 08/09/1989
Brian McKay
