What are the current interest rates at Primary Bank?

Current rates for Primary Bank include: 12-Month CD: 3.00%, 18-Month CD: 2.75%, 24-Month CD: 2.50%, 36-Month CD: 2.50%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.10%, MMA: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Primary Bank

iAdvertiser Disclosure

Primary Bank Rates & Review September 2026

Q: How many branches does Primary Bank operate?

Primary Bank currently maintains approximately 4 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, Primary 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, Primary 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 19, 2026

Primary Bank's 7-Month Certificate Special rates are at 3.75%, 7-Month Special Certificate of Deposit rates are at 3.75%, 12-Month Certificate rates are at 3.00%, 6-Month SAFE IRA-CD rates are at 3.00%, 15-Month Certificate rates are at 2.75%. Primary Bank's savings rates are at 0.10%. Primary Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Primary Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.01%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.01%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Primary Bank

207 Route 101
Bedford, NH 03110

https://www.primarybanknh.com

Primary Bank CD Rates

Product	Rate	APY	Term
7 Month Certificate Special	3.69%	3.75%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
7 Month Special Certificate of Deposit	3.69%	3.75%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
12 Month Certificate	2.96%	3.00%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
6 Month SAFE IRA-CD	2.96%	3.00%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
15 Month Certificate	2.72%	2.75%	15 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
18 Month Certificate	2.72%	2.75%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
2 Year Certificate	2.47%	2.50%	2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
3 Year Certificate	2.47%	2.50%	3 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
4 Year Certificate	2.47%	2.50%	4 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
5 Year Certificate	2.47%	2.50%	5 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
6 Month Certificate	1.49%	1.50%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%

Primary Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.35%	0.35%
Min Balance $25,000 Details Balance: $25,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Health Savings Account	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Health Savings Account	0.20%	0.20%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Health Savings Account	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Business Statement Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Statement Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.01 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%

Primary Bank Money Market Rates

Product	Rate	APY
Choice Business Money Market	0.50%	0.50%
Min Balance $0 Details Balance: $0.01 - $500,000.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Choice Business Money Market	0.50%	0.50%
Min Balance $500,001 Details Balance: $500,001.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Choice Money Market	0.50%	0.50%
Min Balance $0 Details Balance: $0.01 - $500,000.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Choice Money Market	0.50%	0.50%
Min Balance $500,001 Details Balance: $500,001.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Business Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Money Market	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Business Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Money Market	0.30%	0.30%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Business Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Business Money Market	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Primary Money Market	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%

Primary Bank Checking Rates

Product	Rate	APY
Primary Interest Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%
Commercial Primary Plus Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%

Primary Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Commercial IOLTA Account	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.01 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.01%

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

Primary Bank’s Texas Ratio rose from 8.82% in Q3 2023 to 11.01% 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 5.0. 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	$770M	11.01%	5.0	A
March 31, 2026	$743M	10.41%	5.0	A
December 31, 2025	$723M	11.46%	5.0	A
September 30, 2025	$734M	8.24%	5.0	A
June 30, 2025	$725M	13.07%	5.0	A
March 31, 2025	$699M	4.01%	5.0	A+
December 31, 2024	$709M	5.57%	5.0	A+
September 30, 2024	$717M	11.21%	5.0	A
June 30, 2024	$707M	5.41%	5.0	A+
March 31, 2024	$697M	4.93%	5.0	A+
December 31, 2023	$693M	6.42%	5.0	A
September 30, 2023	$698M	8.82%	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 Primary 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 Primary 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 Primary Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Primary Bank

FDIC Certificate # 59086

Address 207 Route 101, Bedford, NH 03110 · Hillsborough

Website https://www.primarybanknh.com

Established 20150728

FDIC Insurance Date 20150728

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7494%

Return on Equity (ROE) 11.1400%

Non-Performing Loans (NPL) 1.30%

Total Assets $769,549,000

Total Deposits $644,239,000

Equity Capital $121,423,000

Net Income $6,519,000

Headquarters Bedford

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Primary 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/primary-bank-rates-review-59086">
  <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 Primary Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Primary Bank

Frequently Asked Questions About Primary Bank

How many branches does Primary Bank operate?

Primary Bank currently maintains approximately 4 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, Primary 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, Primary Bank provides members with tools to manage their accounts and build a solid financial history.

Does Primary Bank offer online and mobile banking?

Most modern institutions like Primary 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.primarybanknh.com.