Presence 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.
Read Full Bio →
Presence Bank's 18-Month CD rates are at 3.70%, 24-Month CD rates are at 3.70%, 12-Month CD rates are at 3.65%, 36-Month CD rates are at 1.79%, 60-Month CD rates are at 0.85%. Presence Bank's savings rates are at 0.05%. Presence Bank's money market rates are at 0.15%.
To see how these rates compare to Presence Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Presence 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 Presence Bank CD rates. You can also compare Presence Bank savings rates, MMA rates and mortgage rates using our other rate lists. Presence 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 Presence Bank? Share your experience about Presence Bank by leaving a review below, or read customer reviews before you decide to use Presence Bank. Presence Bank Texas RatioPresence Bank's Texas Ratio is at 2.15%, which is considered excellent. The Texas Ratio for Presence Bank is lower 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
Presence 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, Presence 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. Presence Bank CD Rates and Interest Rates
Presence Bank
24-Month CD
3.70%
$250
Presence Bank
18-Month CD
3.70%
$250
Presence Bank
12-Month CD
3.65%
$250
Presence Bank
36-Month CD
1.79%
$250
Presence Bank
60-Month CD
0.85%
$250
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. Compare Presence Bank Rates with Other Competitive Bank and Credit Union Rates
University Federal Credit Union
24-Month CD
3.70%
$1,000
1st Gateway Credit Union
12-Month CD (eCD)
3.60%
$1,000
The Citizens Bank of Weston
18-Month CD
3.60%
$500
First National Bank in Olney
18-Month CD
3.56%
$500
First FSB Rochester, IN
18-Month CD (Flexible)
3.55%
$500
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 & OverviewPresence Bank
185 E Lincoln HwyCoatesville, PA 19320 Chester Established Date: 01/01/1919 FDIC Certificate #: 30085 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: PB BANKSHARES INC How Many Domestic U.S. Offices? 4 How Many Branches are There? 4 Website: https://www.presencebank.com
Is Presence Bank FDIC Insured? Yes
What is Presence Bank's Cert number? 30085
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$445,420,000
Total Deposits:
$348,389,000
Equity Capital:
$39,325,000
Net Income:
$403,000
Return on Assets (ROA):
0.5963%
Return on Equity (ROE):
6.3500%
Headquarters:
Coatesville
Regulator:
FDIC
# of Offices:
4
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Presence BankHow do I open an account at Presence Bank?You can typically open an account at Presence Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Presence Bank provides a range of mortgage and home equity products. Is Presence Bank a safe place to deposit money?Yes, Presence Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Presence Bank offer online and mobile banking?Most modern institutions like Presence Bank provide digital access including online balance checks and transfers. Compare to other Banks |
