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

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RBT Rollstone B&T Rates & Review September 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: September 19, 2026

RBT Rollstone B&T's 12-Month CD rates are at 3.50%, 12-Month IRA rates are at 3.50%, 24-Month CD/IRA rates are at 3.25%, 60-Month CD/IRA rates are at 1.30%, 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 as low as 11.75%. 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 1.64%. Rates last updated and verified on 09/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.64%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
12 Month IRA	3.44%	3.50%	12 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
24 Month CD/IRA	3.20%	3.25%	24 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
60 Month CD/IRA	1.29%	1.30%	60 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
48 Month CD/IRA	1.24%	1.25%	48 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
36 Month CD/IRA	1.14%	1.15%	36 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
18 Month CD/IRA	0.85%	0.85%	18 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
9 Month CD	0.75%	0.75%	9 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
6 Month CD	0.50%	0.50%	6 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
3 Month CD	0.25%	0.25%	3 Month
Min Deposit $500 Details $500 minimum to open all terms. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Savings Rates

Product	Rate	APY
SAVINGS ACCOUNTS	0.10%	0.10%
Min Deposit $10 Details $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
HOLIDAY CLUB ACCOUNT	0.05%	0.05%
Min Deposit $10 Details $10 minimum to open. Less than minimum earns no interest. Variable rate account. The rate may change after the account is opened. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Money Market Rates

Product	Rate	APY
MONEY MARKET	0.40%	0.40%
Min Deposit $10 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.40%	0.40%
Min Deposit $10 Min Balance $100,000 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.40%	0.40%
Min Deposit $10 Min Balance $50,000 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.20%	0.20%
Min Deposit $10 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.20%	0.20%
Min Deposit $10 Min Balance $10,000 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.10%	0.10%
Min Deposit $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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
MONEY MARKET	0.05%	0.05%
Min Deposit $10 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Checking Rates

Product	Rate	APY
REWARDS CHECKING	1.25%	1.26%
Min Deposit $10 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Rewards Checking	-	1.26%
Min Deposit $10 Min Balance $15,000 Details Qualifications Required: enrollment in online banking and eStatements; direct deposits totaling $100.00 or more posted and cleared; and 10 debit card transactions posted and cleared; Foreign ATM fees can be reimbursed up to $20 per statement cycle1; 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%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
RELATIONSHIP CHECKING PREMIER	0.11%	0.11%
Min Deposit $10 Details Qualifications Required: 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; $10 minimum to open. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
LIFELINE 18/65 CHECKING	0.01%	0.01%
Min Deposit $10 Details $10 minimum to open. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Flex Line of Credit (Interest Only)	6.75%	-	6.75%	5 Year
Details Minimum loan amount of $5,000. All loans are subject to the Rollstone Bank & Trust's credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Home Equity Flex Line of Credit (Interest Only)	7.00%	-	7.00%	10 Year
Details Minimum loan amount of $5,000. All loans are subject to the Rollstone Bank & Trust's credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Home Equity Flex Line of Credit (Interest Only)	7.25%	-	7.25%	15 Year
Details Minimum loan amount of $5,000. All loans are subject to the Rollstone Bank & Trust's credit standards. Rates, terms, and conditions are subject to change or discontinuation at any time. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	5.50%	48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Auto Loan	-	-	5.75%	60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Auto Loan	-	-	5.75%	48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Auto Loan	-	-	6.00%	72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
Auto Loan	-	-	6.00%	60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%
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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

RBT Rollstone B&T Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.75%
Details APR is variable, may increase after account opening, and is based on the Wall Street Journal Prime Rate as published in the money section of the Wall Street Journal, plus 5.00%. Minimum monthly payments must be automatically deducted from a Rollstone Bank & Trust checking account. Loan amounts are available from $500 to $2,500. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.64%

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

RBT Rollstone B&T’s Texas Ratio rose from 0.62% in Q3 2023 to 1.64% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$816M	1.64%	5.0	A+
March 31, 2026	$836M	0.76%	5.0	A+
December 31, 2025	$848M	0.50%	5.0	A+
September 30, 2025	$905M	0.94%	5.0	A+
June 30, 2025	$931M	1.05%	5.0	A+
March 31, 2025	$930M	0.95%	5.0	A+
December 31, 2024	$912M	0.98%	5.0	A+
September 30, 2024	$917M	0.63%	5.0	A+
June 30, 2024	$899M	0.50%	5.0	A+
March 31, 2024	$921M	0.53%	5.0	A+
December 31, 2023	$917M	0.56%	5.0	A+
September 30, 2023	$910M	0.62%	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 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 18460212

FDIC Insurance Date 19890809

Domestic Offices 8

Total Branches 8

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.64%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.0734%

Return on Equity (ROE) 0.8800%

Non-Performing Loans (NPL) 0.14%

Total Assets $816,326,000

Total Deposits $677,264,000

Equity Capital $70,162,000

Net Income $306,000

Headquarters Fitchburg

Total Branches and Offices 8

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

RBT Rollstone B&T 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.

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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.

Current RBT Rollstone B&T Rates

12-Month CD3.50%
18-Month CD0.85%
24-Month CD3.25%
36-Month CD1.15%
48-Month CD1.25%
60-Month CD1.30%
Savings0.10%
MMA0.05%

Retrieved from our database of financial products. Rates subject to change.

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