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Rondout Savings Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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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.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Rondout Savings Bank's top rates as of October 11, 2026 are 4.25% APY on its 30-Month CD with Checking Account, 0.10% APY on savings, 3.00% APY on money market accounts, 0.10% APY on checking, and personal loans from 10.00% APR, according to rates verified by MonitorBankRates. Other Rondout Savings Bank CD rates include 30-Month CD at 4.00%, 15-Month CD at 3.85%, and 8-Month CD at 3.65%. MonitorBankRates evaluates the financial stability of Rondout Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 10/11/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 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 ?
1.81%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Rondout Savings Bank
300 Broadway
Kingston, NY 12401
https://www.rondoutbank.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Rondout Savings Bank CD Rates

Product Rate APY Term View More
30 Month CD 3.92% 4.00% 30 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 24, 2026: 3.75% APYOct 3, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
15 Month CD 3.78% 3.85% 15 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 24, 2026: 3.60% APYOct 3, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.85%▲ from 3.60%
  • Sep 24, 20263.60%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
8-Month CD 3.585% 3.65% 8-Month
Min Deposit $500
Min Balance $500
Details ^Not Eligible for IRA's
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40%
2.90%3.53%4.15%Sep 24, 2026: 3.40% APYOct 3, 2026: 3.65% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20263.65%▲ from 3.40%
  • Sep 24, 20263.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
60 Month Certificate 0.75% 0.75% 60 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
48 Month Certificate 0.65% 0.65% 48 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.65% APY · checked 6 times
0.15%0.65%1.15%Sep 19, 2026: 0.65% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
36 Month Certificate 0.60% 0.60% 36 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 19, 2026: 0.60% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
24 MONTH RISING 0.50% 0.50% 24 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
18 Month Certificate 0.30% 0.30% 18 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
18 MONTH IRA CLUB 0.30% 0.30% 18 month
Min Deposit $50
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
12 Month Certificate 0.25% 0.25% 12 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
6 Month Certificate 0.15% 0.15% 6 month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
3 Month Certificate 0.10% 0.10% 3 month
Min Deposit $2,500
Min Balance $2,500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
5 Month Certificate 0.10% 0.10% 5 month
Min Deposit $500
Min Balance $500
Details Not Eligible for IRAs
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Savings Rates

Product Rate APY View More
HOLIDAY CLUB 0.10% 0.10%
Min Deposit $1
Min Balance $1
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
LIGHTHOUSE SAVINGS 0.10% 0.10%
Min Deposit $25
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
STATEMENT SAVINGS 0.10% 0.10%
Min Deposit $100
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Business Savings Rates

Product Rate APY View More
BUSINESS STATEMENT SAVINGS 0.10% 0.10%
Min Deposit $100
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Money Market Rates

Product Rate APY View More
Performance Money Market 2.47% 2.50%
Min Deposit $50,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.25% → 2.50% ▲ 0.25 pts · high 2.50% / low 2.25%
1.75%2.38%3.00%Sep 19, 2026: 2.25% APYOct 3, 2026: 2.50% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20262.50%▲ from 2.25%
  • Sep 19, 20262.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 1.98% 2.00%
Min Deposit $50,000
Min Balance $2,000,000
Details Minimum: $50,000.00 (New Money); Balance: $2,000,000 and above
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 1.49% 1.50%
Min Deposit $50,000
Min Balance $1,000,000
Details Minimum: $50,000.00 (New Money); Balance: $1,000,000- $1,999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 19, 2026: 1.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 1.24% 1.25%
Min Deposit $50,000
Min Balance $500,000
Details Minimum: $50,000.00 (New Money); Balance: $500,000-$999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 0.995% 1.00%
Min Deposit $50,000
Min Balance $250,000
Details Minimum: $50,000.00 (New Money); Balance: $250,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 0.50% 0.50%
Min Deposit $50,000
Min Balance $100,000
Details Minimum: $50,000.00 (New Money); Balance: $100,000 - $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET 0.26% 0.26%
Min Deposit $2,500
Min Balance $250
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.26% APY · checked 6 times
0.00%0.38%0.76%Sep 19, 2026: 0.26% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 0.25% 0.25%
Min Deposit $50,000
Min Balance $50,000
Details Minimum: $50,000.00 (New Money); Balance: $50,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
MONEY MARKET ADVANTAGE 0.15% 0.15%
Min Deposit $50,000
Min Balance $2,500
Details Minimum: $50,000.00 (New Money); Balance: $2,500 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Business Money Market Rates

Product Rate APY View More
Business Bundle Money Market 2.96% 3.00%
Min Deposit $10,000
Min Balance $10,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 19, 2026: 2.75% APYOct 3, 2026: 3.00% APYSep 19, 2026Oct 13, 2026
  • Oct 3, 20263.00%▲ from 2.75%
  • Sep 19, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 1.98% 2.00%
Min Deposit $2,500
Min Balance $2,000,000
Details Balance: $2,000,000 and above
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 6 times
1.50%2.00%2.50%Sep 19, 2026: 2.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 1.49% 1.50%
Min Deposit $2,500
Min Balance $1,000,000
Details Balance: $1,000,000- $1,999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 19, 2026: 1.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 1.24% 1.25%
Min Deposit $2,500
Min Balance $500,000
Details Balance: $500,000-$999,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 0.995% 1.00%
Min Deposit $2,500
Min Balance $250,000
Details Balance: $250,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 0.50% 0.50%
Min Deposit $2,500
Min Balance $100,000
Details Balance: $100,000 - $249,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 0.25% 0.25%
Min Deposit $2,500
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
BUSINESS MONEY MARKET 0.15% 0.15%
Min Deposit $2,500
Min Balance $2,500
Details Balance: $2,500 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Checking Rates

Product Rate APY View More
C.A.R.E.S Not-For-Profit Checking 0.10% 0.10%
Min Deposit $100
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Auto Loan Rates

Product Rate Points APR Term View More
New Vehicles - 36 Months Loan 7.00% - 7.00% 36 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.00% APR · checked 7 times
6.50%7.00%7.50%Sep 15, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
New Vehicles - 48 Months Loan 7.50% - 7.50% 48 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.50% APR · checked 7 times
7.00%7.50%8.00%Sep 15, 2026: 7.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Used Vehicles - 36 Months Loan 7.625% - 7.625% 36 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.63% APR · checked 7 times
7.13%7.63%8.13%Sep 15, 2026: 7.63% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
New Vehicles - 60 Months Loan 8.00% - 8.00% 60 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 15, 2026: 8.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Used Vehicles - 48 Months Loan 8.00% - 8.00% 48 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 15, 2026: 8.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Used Vehicles - 60 Months Loan 8.50% - 8.50% 60 Months
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 8.50% APR · checked 7 times
8.00%8.50%9.00%Sep 15, 2026: 8.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Personal Loan Rates

Product APR Term View More
Unsecured Loan 10.00% 24 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 10.00% APR · checked 3 times
9.50%10.00%10.50%Sep 15, 2026: 10.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Unsecured Loan 12.00% 48 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 12.00% APR · checked 3 times
11.50%12.00%12.50%Sep 15, 2026: 12.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Unsecured Loan 14.00% 60 Month
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 14.00% APR · checked 3 times
13.50%14.00%14.50%Sep 15, 2026: 14.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%

Rondout Savings Bank Other Rates

Product Rate Points APY/APR Term View More
30 Month CD with Checking Account 4.16% - 4.25% 30 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 3, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Partnership 0.10% - 0.10%
Min Deposit $100
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 19, 2026: 0.10% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
Power Advantage 0.25% - 0.25%
Min Deposit $500
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 19, 2026: 0.25% APYSep 19, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.81%
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Financial Health History

Rondout Savings Bank’s Texas Ratio stayed near 2.13% in Q3 2023 to 1.81% 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 4.6 to 5.0 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 2.13% A Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.81% A+ Q2 2026
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Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$512M1.81%5.0A+
March 31, 2026$510M4.39%5.0A+
December 31, 2025$512M4.40%5.0A+
September 30, 2025$515M4.14%5.0A+
June 30, 2025$520M9.22%5.0A
March 31, 2025$527M9.10%5.0A
December 31, 2024$527M10.43%5.0A
September 30, 2024$546M3.23%5.0A+
June 30, 2024$545M2.88%5.0A+
March 31, 2024$558M3.43%5.0A+
December 31, 2023$564M1.81%5.0A+
September 30, 2023$559M2.13%4.6A
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 Rondout Savings 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 Rondout Savings 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 Rondout Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Rondout Savings Bank
FDIC Certificate # 15969
Address 300 Broadway, Kingston, NY 12401  ·  Ulster
Website https://www.rondoutbank.com
Established 18680324
FDIC Insurance Date 19430701
Domestic Offices 5
Total Branches 5
Regulator FDIC
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
1.81%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2702%
Return on Equity (ROE) 3.1900%
Non-Performing Loans (NPL) 0.15%
Total Assets $512,033,000
Total Deposits $449,348,000
Equity Capital $43,728,000
Net Income $691,000
Headquarters Kingston
Total Branches and Offices 5
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Rondout Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/rondout-savings-bank-rates-review-15969">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Rondout Savings Bank

How many branches does Rondout Savings Bank operate?

Rondout Savings Bank currently maintains approximately 5 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, Rondout Savings 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, Rondout Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Rondout Savings Bank offer online and mobile banking?

Most modern institutions like Rondout Savings 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.rondoutbank.com.

Current Rondout Savings Bank Rates

  • 12-Month CD0.25%
  • 18-Month CD0.30%
  • 24-Month CD0.50%
  • 36-Month CD0.60%
  • 48-Month CD0.65%
  • 60-Month CD0.75%
  • Savings0.10%
  • MMA3.00%
Retrieved from our database of financial products. Rates subject to change.

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