What are the current interest rates at RBT Rollstone B&T?

Current rates for RBT Rollstone B&T include: 12-Month CD: 3.50%, 18-Month CD: 0.85%, 24-Month CD: 3.25%, 36-Month CD: 1.15%, 48-Month CD: 1.25%, 60-Month CD: 1.30%, Savings: 0.10%, MMA: 0.05%

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RBT Rollstone B&T Rates & Review August 2026

Q: How many branches does RBT Rollstone B&T operate?

RBT Rollstone B&T currently maintains approximately 8 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, RBT Rollstone B&T 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, RBT Rollstone B&T 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: August 28, 2026

RBT Rollstone B&T's 12-Months 12-Month CD rates are at 3.50%, 12-Months 12-Month IRA rates are at 3.50%, 24-Months 24-Month CD/IRA rates are at 3.25%, 60-Months 60-Month CD/IRA rates are at 1.30%, 48-Months 48-Month CD/IRA rates are at 1.25%. RBT Rollstone B&T's savings rates are at 0.10%. RBT Rollstone B&T's money market rates are at 0.05%. RBT Rollstone B&T's Personal Loan Rates are at 5.50%. MonitorBankRates evaluates the financial stability of RBT Rollstone B&T with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.62%. Rates last updated and verified on 08/28/2026.

RBT Rollstone B&T 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 RBT Rollstone B&T? Share your experience about RBT Rollstone B&T by leaving a review below, or read customer reviews before you decide to use RBT Rollstone B&T.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.62%

Excellent Lower than avg

RBT Rollstone B&T

780 Main St
Fitchburg, MA 01420

https://www.rollstonebank.com

RBT Rollstone B&T CD Rates

Product	Rate	APY	Term
12 Month CD	3.44%	3.50%	12 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
12 Month IRA	3.44%	3.50%	12 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
24 Month CD/IRA	3.20%	3.25%	24 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
60 Month CD/IRA	1.29%	1.30%	60 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
48 Month CD/IRA	1.24%	1.25%	48 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
36 Month CD/IRA	1.14%	1.15%	36 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
18 Month CD/IRA	0.85%	0.85%	18 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
9 Month CD	0.75%	0.75%	9 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
6 Month CD	0.50%	0.50%	6 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
3 Month CD	0.25%	0.25%	3 months
Min Balance $500 Details There is a substantial penalty for early withdrawal. Fees could reduce earnings. IRAs are subject to additional IRS considerations. All deposits are insured in full by FDIC and DIF. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%

RBT Rollstone B&T Savings Rates

Product	Rate	APY
SAVINGS ACCOUNTS	0.10%	0.10%
Min Balance $10 Details Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
HOLIDAY CLUB ACCOUNT	0.05%	0.05%
Min Balance $10 Details Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%

RBT Rollstone B&T Money Market Rates

Product	Rate	APY
MONEY MARKET	0.40%	0.40%
Min Balance $500,000 Details $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
MONEY MARKET	0.20%	0.20%
Min Balance $25,000 Details $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
MONEY MARKET	0.10%	0.10%
Min Balance $1,000 Details $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
MONEY MARKET	0.05%	0.05%
Min Balance $0 Details $10 minimum to open. A minimum balance fee of $10 will be imposed each statement cycle if the daily balance falls below $1,000. The rate may change after the account is opened. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%

RBT Rollstone B&T Checking Rates

Product	Rate	APY
REWARDS CHECKING	1.25%	1.26%
Min Deposit $10 Min Balance $0 Details Qualifications Required: enrollment in online banking and eStatements; direct deposits totaling $100.00 or more posted and cleared; 10 debit card transactions posted and cleared; Balances up to and including $15,000.00 will earn an APY of 1.26%, balances in excess of $15,000.00 will earn an APY of 1.26% to 0.01%. If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Minimum balance to open the account is $10.00. Rates may change after the account is opened. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
RELATIONSHIP CHECKING PREMIER	0.11%	0.11%
Min Balance $0 Details Variable rate account. The rate may change after the account is opened. A $15 monthly fee will apply if eligibility requirements are not met. Eligibility requirements means: combined deposit balances of $10,000 or more in checking, savings, CD, or IRA accounts; direct deposit of $500 or more posted and cleared to the Relationship Checking Premier account per statement cycle. Personal accounts only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
LIFELINE 18/65 CHECKING	0.01%	0.01%
Min Balance $0 Details Variable rate account. The rate may change after the account is opened. Must be 18 years of age or younger or 65 years of age or older to qualify. Personal accounts only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
Rewards Checking	-	0.01%
Min Deposit $10 Details If you do not meet the eligibility requirements during the statement cycle, the rate paid on your account on the entire balance will be 0.01% with an APY of 0.01%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%

RBT Rollstone B&T Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.50%	48 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
New Vehicles Loan	-	-	5.50%
Details As Low As; Rate reflects a 0.25% reduction for auto-payment from a Rollstone Bank & Trust deposit account. Available to Massachusetts, New Hampshire, and Maine residents. Terms for loans up to 110% loan to value. Vehicle model age must be new. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
Auto Loan	-	-	5.75%	60 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
New Vehicles Loan	-	-	5.75%
Details As Low As; Rate reflects a 0.25% reduction for auto-payment from a Rollstone Bank & Trust deposit account. Available to Massachusetts, New Hampshire, and Maine residents. Terms for loans up to 110% loan to value. Vehicle model age must be new. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
Used Vehicles Loan	-	-	5.75%
Details As Low As; Rate reflects a 0.25% reduction for auto-payment from a Rollstone Bank & Trust deposit account. Available to Massachusetts, New Hampshire, and Maine residents. Terms for loans up to 110% loan to value. Vehicle model age must be 10 (ten) years or less. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
Auto Loan	-	-	6.00%	72 Months
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
New Vehicles Loan	-	-	6.00%
Details As Low As; Rate reflects a 0.25% reduction for auto-payment from a Rollstone Bank & Trust deposit account. Available to Massachusetts, New Hampshire, and Maine residents. Terms for loans up to 110% loan to value. Vehicle model must be new. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%
Used Vehicles Loan	-	-	6.00%
Details As Low As; Rate reflects a 0.25% reduction for auto-payment from a Rollstone Bank & Trust deposit account. Available to Massachusetts, New Hampshire, and Maine residents. Terms for loans up to 110% loan to value. Vehicle model age must be 10 (ten) years or less. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.62%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for RBT Rollstone B&T 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 RBT Rollstone B&T 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 RBT Rollstone B&T's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name RBT Rollstone B&T

Bank Holding Company RIVER RUN BCORP MHC

Address 780 Main St, Fitchburg, MA 01420 · Worcester

Website https://www.rollstonebank.com

FDIC Certificate # 17797

Established 02/12/1846

FDIC Insurance Date 08/09/1989

Domestic Offices 8

Total Branches 8

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.62%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.0864%

Return on Equity (ROE) -1.1000%

Non-Performing Loans (NPL) 0.05%

Total Assets $847,543,000

Total Deposits $686,023,000

Equity Capital $69,351,000

Net Income $-5,334,000

Headquarters Fitchburg

Total Branches and Offices 8

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About RBT Rollstone B&T

How many branches does RBT Rollstone B&T operate?

RBT Rollstone B&T currently maintains approximately 8 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, RBT Rollstone B&T 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, RBT Rollstone B&T provides members with tools to manage their accounts and build a solid financial history.

Does RBT Rollstone B&T offer online and mobile banking?

Most modern institutions like RBT Rollstone B&T 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.rollstonebank.com.