What are the current interest rates at Savings Bank of Mendocino County?

Current rates for Savings Bank of Mendocino County include: Savings: 0.05%

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Banks›
Savings Bank of Mendocino County

iAdvertiser Disclosure

Savings Bank of Mendocino County Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Savings Bank of Mendocino County 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: October 7, 2026

Savings Bank of Mendocino County's top rates as of October 7, 2026 are 0.05% APY on savings, 0.15% APY on checking, and personal loans from 10.92% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Savings Bank of Mendocino County with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.45%. Rates last updated and verified on 10/07/2026.

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

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

1.45%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Savings Bank of Mendocino County

200 N School St
Ukiah, CA 95482

https://www.savingsbank.com

Customer Reviews

Be the first to review

Write a Review

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.

Savings Bank of Mendocino County Savings Rates

Product	Rate	APY
CA$H Kids Club Savings for 5 to 12 years	0.05%	0.05%
Min Deposit $5 Details Variable Interest Rate. Banzai! Financial Literacy Resources. Coin Machine. ATM Walk-up & Drive-up. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Holiday Savings	0.05%	0.05%
Min Deposit $5 Details Variable Interest Rate. Banzai! Financial Literacy Resources. Coin Machine. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Local Choice Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Variable Interest Rate. $5 Maintenance Fee.* Waived for minimum $100 daily balance. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Smart Start Savings for 13 to 17 years	0.05%	0.05%
Min Deposit $5 Details Variable Interest Rate. Banzai! Financial Literacy Resources. Coin Machine. ATM Walk-up & Drive-up. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
UTMA Savings	0.05%	0.05%
Min Deposit $5 Details Variable Interest Rate. Banzai! Financial Literacy Resources. Coin Machine. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Savings Bank of Mendocino County Checking Rates

Product	Rate	APY
HSA Checking	0.15%	0.15%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000+; Minimum: $100 Minimum Deposit to open; $25,000 and over has an 0.15% Interest Rate and 0.15% APY Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Local Choice Interest Checking	0.15%	0.15%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000+; $50,000 and over has an 0.15% Interest Rate and 0.15% APY Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
HSA Checking	0.10%	0.10%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $24,999; Minimum: $100 Minimum Deposit to open; $2,500 to $24,999 has an 0.10% Interest Rate and 0.10% APY Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
HSA Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Minimum: $100 Minimum Deposit to open; Balances below $2,500 have a .05% Interest Rate and .05% APY Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 0.10% → 0.05% ▼ 0.05 pts · high 0.10% / low 0.05% Sep 27, 20260.05%▼ from 0.10% Sep 18, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Local Choice Interest Checking	0.05%	0.05%
Min Deposit $25 Min Balance $49,999 Details Balances up to $49,999 have a 0.05% Interest Rate and 0.05% APY Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Savings Bank of Mendocino County Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan Rate Details	4.99%	-	5.95%	Up to 36 Months
Details Published APR range: As low as 5.95%; Published rate range: As low as 4.99%. Minimum Loan Amount: Less Than $7,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Auto Loan Rate Details	5.24%	-	5.96%	Up to 48 Months
Details Published APR range: As low as 5.96%; Published rate range: As low as 5.24%. Minimum Loan Amount: $7,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 5.96% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Auto Loan Rate Details	5.74%	-	6.15%	Up to 60 Months
Details Published APR range: As low as 6.15%; Published rate range: As low as 5.74%. Minimum Loan Amount: $10,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Auto Loan	5.24%	-	6.20%	Up to 36 Months
Details As low as; Minimum Loan Amount: Less Than $7,000 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.20% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Auto Loan Rate Details	6.24%	-	6.47%	Up to 72 Months
Details Published APR range: As low as 6.47%; Published rate range: As low as 6.24%. Minimum Loan Amount: $15,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.47% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Auto Loan Rate Details	6.49%	-	6.64%	Up to 84 Months
Details Published APR range: As low as 6.64%; Published rate range: As low as 6.49%. Minimum Loan Amount: $20,000+ Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.64% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Auto Loan	6.24%	-	6.66%	Up to 60 Months
Details As low as; Minimum Loan Amount: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.66% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Auto Loan	5.99%	-	6.72%	Up to 48 Months
Details As low as; Minimum Loan Amount: $7,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.72% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Auto Loan	6.74%	-	6.98%	Up to 72 Months
Details As low as; Minimum Loan Amount: $15,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 6.98% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Savings Bank of Mendocino County RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Recreational Vehicles Loan	6.99%	7.23%	Up to 72 Months
Details Published APR range: Up to 7.23%; Published rate range: As low as 6.99%. Minimum Loan Amount: $15,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.23% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Recreational Vehicles Loan	6.99%	7.41%	Up to 60 Months
Details Published APR range: Up to 7.41%; Published rate range: As low as 6.99%. Minimum Loan Amount: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.41% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Recreational Vehicles Loan	7.49%	7.65%	Up to 84 Months
Details Published APR range: Up to 7.65%; Published rate range: As low as 7.49%. Minimum Loan Amount: $20,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.65% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Recreational Vehicles Loan	6.99%	7.66%	Up to 36 Months
Details Published APR range: Up to 7.66%; Published rate range: As low as 6.99%. Minimum Loan Amount: Less Than $10,000 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 7.66% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Recreational Vehicles Loan	7.49%	7.73%	Up to 72 Months
Details Published APR range: Up to 7.73%; Published rate range: As low as 7.49%. Minimum Loan Amount: $15,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.73% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Recreational Vehicles Loan	7.49%	7.91%	Up to 60 Months
Details Published APR range: Up to 7.91%; Published rate range: As low as 7.49%. Minimum Loan Amount: $10,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.91% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
New Recreational Vehicles Loan	7.99%	8.08%	Up to 120 Months
Details Published APR range: Up to 8.08%; Published rate range: As low as 7.99%. Minimum Loan Amount: $25,000+ Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 8.08% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Recreational Vehicles Loan	7.99%	8.15%	Up to 84 Months
Details Published APR range: Up to 8.15%; Published rate range: As low as 7.99%. Minimum Loan Amount: $20,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.15% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Recreational Vehicles Loan	7.49%	8.17%	Up to 36 Months
Details Published APR range: Up to 8.17%; Published rate range: As low as 7.49%. Minimum Loan Amount: Less Than $10,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.17% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Used Recreational Vehicles Loan	8.49%	8.58%	Up to 120 Months
Details Published APR range: Up to 8.58%; Published rate range: As low as 8.49%. Minimum Loan Amount: $25,000+ Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 8.58% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

Savings Bank of Mendocino County Personal Loan Rates

Product	APR	Term
Personal Loan	10.92%	Up to 60 Months
Details Published APR range: Up to 10.92%; Published rate range: As low as 10.49%. Minimum Loan Amount: $10,000 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 10.92% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Personal Loan	11.70%	Up to 48 Months
Details Published APR range: Up to 11.70%; Published rate range: As low as 10.99%. Minimum Loan Amount: $7,500 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 11.70% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Personal Loan	12.87%	Up to 36 Months
Details Published APR range: Up to 12.87%; Published rate range: As low as 11.49%. Minimum Loan Amount: $5,000 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 12.87% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%
Personal Loan	15.98%	Up to 24 Months
Details Published APR range: Up to 15.98%; Published rate range: As low as 11.99%. Minimum Loan Amount: $2,500 Last Updated 10/07/2026 Rate History No change since Sep 15, 2026 · 15.98% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.45%

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

Savings Bank of Mendocino County’s Texas Ratio rose from 0.78% in Q3 2023 to 1.45% 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	$1.3B	1.45%	5.0	A+
March 31, 2026	$1.3B	1.52%	5.0	A+
December 31, 2025	$1.3B	0.17%	5.0	A+
September 30, 2025	$1.4B	0.08%	5.0	A+
June 30, 2025	$1.3B	0.09%	5.0	A+
March 31, 2025	$1.3B	0.09%	5.0	A+
December 31, 2024	$1.3B	0.21%	5.0	A+
September 30, 2024	$1.3B	0.74%	5.0	A+
June 30, 2024	$1.3B	1.28%	5.0	A+
March 31, 2024	$1.3B	0.71%	5.0	A+
December 31, 2023	$1.3B	0.49%	5.0	A+
September 30, 2023	$1.3B	0.78%	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 Savings Bank of Mendocino County 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 Savings Bank of Mendocino County 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 Savings Bank of Mendocino County's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Savings Bank of Mendocino County

FDIC Certificate # 8011

Address 200 N School St, Ukiah, CA 95482 · Mendocino

Website https://www.savingsbank.com

Established 19031128

FDIC Insurance Date 19340101

Domestic Offices 9

Total Branches 9

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

1.45%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1353%

Return on Equity (ROE) 8.1500%

Non-Performing Loans (NPL) 0.21%

Total Assets $1,284,117,000

Total Deposits $1,037,387,000

Equity Capital $185,152,000

Net Income $7,417,000

Headquarters Ukiah

Total Branches and Offices 9

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Savings Bank of Mendocino County 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/savings-bank-of-mendocino-county-rates-review-8011">
  <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

There are no reviews for Savings Bank of Mendocino County 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 Savings Bank of Mendocino County

Frequently Asked Questions About Savings Bank of Mendocino County

How many branches does Savings Bank of Mendocino County operate?

Savings Bank of Mendocino County currently maintains approximately 9 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, Savings Bank of Mendocino County 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, Savings Bank of Mendocino County provides members with tools to manage their accounts and build a solid financial history.

Does Savings Bank of Mendocino County offer online and mobile banking?

Most modern institutions like Savings Bank of Mendocino County 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.savingsbank.com.