What are the current interest rates at Presidential Bank?

Current rates for Presidential Bank include: 12-Month CD: 3.75%, 24-Month CD: 3.50%, 36-Month CD: 3.25%, 60-Month CD: 2.50%, Savings: 0.35%, MMA: 0.10%

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Presidential Bank

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Presidential Bank Rates & Review September 2026

Q: How many branches does Presidential Bank operate?

Presidential Bank currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Presidential 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Presidential Bank 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 18, 2026

Presidential Bank's 7-Month CD rates are at 4.10%, 13-Month CD rates are at 4.05%, 182 Day CD rates are at 3.85%, 9-Month CD rates are at 3.85%, 1 Year CD rates are at 3.75%. Presidential Bank's savings rates are at 0.35%. Presidential Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Presidential Bank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.48%. Rates last updated and verified on 09/18/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

16.48%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Presidential Bank, FSB

4520 East West Hwy
Bethesda, MD 20814

https://www.presidential.com

Presidential Bank CD Rates

Product	Rate	APY	Term
7 Month CD	-	4.10%	7 Month
Min Deposit $1,000 Details New Money Only. New money is defined as funds not currently held by Presidential Bank and must be from an external source of funds. A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
13 Month CD	-	4.05%	13 Month
Min Deposit $1,000 Details New Money Only. New money is defined as funds not currently held by Presidential Bank and must be from an external source of funds. A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
182 Day CD	-	3.85%	182 Day
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
9 Month CD	-	3.85%	9 Month
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
1 Year CD	-	3.75%	1 Year
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
2 Year CD	-	3.50%	2 Year
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
3 Year CD	-	3.25%	3 Year
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
5 Year CD	-	2.50%	5 Year
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
30 Day CD	-	0.10%	30 Day
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
60 Day CD	-	0.10%	60 Day
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
90 Day CD	-	0.10%	90 Day
Min Deposit $1,000 Details A penalty is imposed for early withdrawal. Fees could reduce earnings. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%

Presidential Bank Savings Rates

Product	Rate	APY
Advantage Savings	-	3.75%
Min Deposit $5,000 Details Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account. Earn 3.25% APY* without an Advantage Checking Account. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Advantage Savings	-	3.25%
Min Deposit $5,000 Details Earn 3.75% APY* on Daily Balances when you Maintain an Advantage Checking Account. Earn 3.25% APY* without an Advantage Checking Account. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Premier Savings	-	0.50%
Min Deposit $500 Details Earn 0.50% APY* on daily Balances up to $35,000 and 0.35% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Premier Savings	-	0.50%
Min Balance $35,000 Details Earn 0.50% APY* on Daily Balances up to $35,000 and 0.35% APY* on Higher Balances. Mail in Form Required Documents Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Premier Savings	-	0.35%
Min Deposit $500 Details Earn 0.50% APY* on daily Balances up to $35,000 and 0.35% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%

Presidential Bank Money Market Rates

Product	Rate	APY
Commercial Money Market	-	3.50%
Min Balance $25,000 Details On Balances Between $25,000 and $500,000 Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000 Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Commercial Money Market	-	0.15%
No additional details. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%

Presidential Bank Checking Rates

Product	Rate	APY
Advantage Checking	-	3.75%
Min Deposit $500 Min Balance $25,000 Details Qualifications Required: An electronic monthly deposit of $500 or more from payroll, pension, social security, or annuity is required. Each account must have a unique direct deposit source. At least seven (7) electronic withdrawals per month are required (electronic withdrawals include: ATM, POS, ACH and Bill Payments.) Accounts that do not meet the minimum deposit and withdrawal requirements will earn a lower interest rate as disclosed on the Rate Schedule . After the first month the account is open, accounts that do not meet the minimum deposit and withdrawal requirements, including the monthly direct deposit requirement and the requirement for a minimum number of electronic withdrawals each month, will earn a substantially lower interest rate for the month. That lower rate is as disclosed on the Rate Schedule .; APY* On Balances Up to $25,000 And 2.75% APY* on Higher Balances. Interest begins to accrue on the first business day of your deposit. Interest is compounded and credited monthly on the last business day of the month. Deposit and withdrawal requirements are waived for the first month the account is in this product. The statement posting date will be used to determine transaction qualification. Fees could reduce earnings. Write up to three (3) checks per month. Additional checks charged a fee. The statement posting date will be used to determine per check fees. Online Historical statements are required. Email deposit notifications are required. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Advantage Checking	-	3.75%
Min Deposit $500 Details On Balances Up to $25,000 And 2.75% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Advantage Checking	-	3.50%
Min Deposit $25,000 Details On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Advantage Checking	-	2.75%
Min Deposit $500 Min Balance $25,000 Details Qualifications Required: An electronic monthly deposit of $500 or more from payroll, pension, social security, or annuity is required. Each account must have a unique direct deposit source. At least seven (7) electronic withdrawals per month are required (electronic withdrawals include: ATM, POS, ACH and Bill Payments.) Accounts that do not meet the minimum deposit and withdrawal requirements will earn a lower interest rate as disclosed on the Rate Schedule . After the first month the account is open, accounts that do not meet the minimum deposit and withdrawal requirements, including the monthly direct deposit requirement and the requirement for a minimum number of electronic withdrawals each month, will earn a substantially lower interest rate for the month. That lower rate is as disclosed on the Rate Schedule .; APY* on Higher Balances. Interest begins to accrue on the first business day of your deposit. Interest is compounded and credited monthly on the last business day of the month. Deposit and withdrawal requirements are waived for the first month the account is in this product. The statement posting date will be used to determine transaction qualification. Fees could reduce earnings. Write up to three (3) checks per month. Additional checks charged a fee. The statement posting date will be used to determine per check fees. Online Historical statements are required. Email deposit notifications are required. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Advantage Checking	-	2.75%
Min Deposit $500 Details On Balances Up to $25,000 And 2.75% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Advantage Checking	-	1.50%
Min Deposit $25,000 Details On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Business Advantage Checking	-	0.75%
Min Balance $5,000 Details On Balances Between $5,000 and $20,000 Earn 0.50% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Checking	-	0.30%
Min Deposit $1,000 Details Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Checking	-	0.25%
Min Deposit $1,000 Details Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Checking	-	0.15%
Min Deposit $1,000 Details Earn 0.25% APY* on Balances $1,000 to $9,999.99 and 0.30% on Balances $10,000 and over Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Checking PLUS	-	0.12%
Min Deposit $1,500 Details Earn 0.12% APY* on Daily Balances up to $25,000 and 0.10% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Special Checking	-	0.12%
Min Deposit $500 Details Earn 0.12% APY* on Daily Balances up to $1,000 and 0.10% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Checking PLUS	-	0.10%
Min Deposit $1,500 Details Earn 0.12% APY* on Daily Balances up to $25,000 and 0.10% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Money Market Advantage Checking	-	0.10%
Min Deposit $25,000 Details On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Special Checking	-	0.10%
Min Deposit $500 Details Earn 0.12% APY* on Daily Balances up to $1,000 and 0.10% APY* on Higher Balances Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%

Presidential Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit	-	-	7.00%
Details The Wall Street Journal prime rate; For primary homes; Closing Costs Waived; Offer effective 12/11/2025 and subject to change without notice and cancellation at any time; Requires a credit score greater or equal to 680; Lines of credit from $10,000 to $500,000; The line of credit APR will vary and will be based on the Wall Street Journal Prime Rate. The Prime Interest Rate last changed 9/17/2026 and is 7.00%. The maximum APR is 24% and the minimum APR is 4%. Prime may change at any time. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%
Home Equity Line of Credit	-	-	7.50%
Details The Wall Street Journal prime rate +0.50%; For Non-Owner-Occupied Properties; Closing Costs Waived; Offer effective 12/11/2025 and subject to change without notice and cancellation at any time; Requires a credit score greater or equal to 725; Lines of credit from $10,000 to $300,000; The line of credit APR will vary and will be based on the Wall Street Journal Prime Rate. The Prime Interest Rate last changed 9/17/2026 and is 7.00%. The maximum APR is 24% and the minimum APR is 4%. Prime may change at any time. Last Updated 09/18/2026 Institution Ratings 4.9 Star Rating A- Health Grade ◈ Texas Ratio: 16.48%

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

Presidential Bank’s Texas Ratio rose from 9.69% in Q3 2023 to 16.48% 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 4.9 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.

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	$1.0B	16.48%	4.9	A-
March 31, 2026	$1.0B	16.73%	4.9	A-
December 31, 2025	$1.1B	16.05%	4.9	A-
September 30, 2025	$1.0B	12.65%	5.0	A
June 30, 2025	$1.0B	10.42%	5.0	A
March 31, 2025	$956M	10.78%	5.0	A
December 31, 2024	$974M	8.48%	5.0	A
September 30, 2024	$1.0B	7.16%	5.0	A
June 30, 2024	$988M	8.58%	5.0	A
March 31, 2024	$963M	8.65%	5.0	A
December 31, 2023	$932M	8.66%	5.0	A
September 30, 2023	$865M	9.69%	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 Presidential 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 Presidential 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 Presidential Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Presidential Bank

Bank Holding Company CLEVELAND FAMILY GENERATIONAL TR I

Address 4520 East West Hwy, Bethesda, MD 20814 · Montgomery

Website https://www.presidential.com

FDIC Certificate # 32363

Established 19850415

FDIC Insurance Date 19890809

Domestic Offices 11

Total Branches 11

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

4.9

Exceptional Out of 5.0 Stars

16.48%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4886%

Return on Equity (ROE) 5.4900%

Non-Performing Loans (NPL) 1.52%

Total Assets $1,012,028,000

Total Deposits $897,144,000

Equity Capital $93,060,000

Net Income $2,517,000

Headquarters Bethesda

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Presidential Bank

How many branches does Presidential Bank operate?

Presidential Bank currently maintains approximately 11 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, Presidential 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, Presidential Bank provides members with tools to manage their accounts and build a solid financial history.

Does Presidential Bank offer online and mobile banking?

Most modern institutions like Presidential 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.presidential.com.