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Sawyer Savings Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 12, 2026
Sawyer Savings Bank's top rates as of October 12, 2026 are 4.25% APY on its 16-Month Certificate of Deposit, 2.50% APY on savings, 2.75% APY on money market accounts, 0.05% APY on checking, and 7.375% on its Business 15-Year Fixed Rate Mortgage, according to rates verified by MonitorBankRates. Other Sawyer Savings Bank CD rates include Business 16-Month Certificate of Deposit at 4.25%, 24-Month Certificate of Deposit at 4.00%, and Business 24-Month Certificate of Deposit at 4.00%. Other Sawyer Savings Bank mortgage rates include Business 30-Year Fixed Rate Mortgage at 7.625%. MonitorBankRates evaluates the financial stability of Sawyer Savings Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.69%. Rates last updated and verified on 10/12/2026.
Sawyer 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 Sawyer Savings Bank? Share your experience about Sawyer Savings Bank by leaving a review below, or read customer reviews before you decide to use Sawyer Savings Bank.
Overall Health & Safety Grade
?
B
Solid HealthScore: 86/100
Overall Health & Safety Grade
Sawyer Savings Bank has earned an overall safety grade of B (Solid, Score: 86/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.6
ExcellentOut of 5.0 Stars
MonitorBankRates Star Rating
Sawyer Savings Bank has earned a Star Rating of 4.6 out of 5 stars (Excellent).
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
?
19.69%
GoodHigher than avg
Sawyer Savings Bank Texas Ratio
Sawyer Savings Bank's Texas Ratio is 19.69%, which is considered good and is higher than the national average of 5.85%.
While Sawyer Savings Bank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.52% to 19.69% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.6, Health Grade A to B
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Sawyer Savings Bank CD Rates
Product
Rate
APY
Term
View More
16 Month Certificate of Deposit
-
4.25%
16 Month
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Sep 24, 2026 · 4.25% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
24 Month Certificate of Deposit
-
4.00%
24 Month
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
10 Month Certificate of Deposit
-
3.75%
10 Month
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 3 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
5 Month Certificate of Deposit
-
3.50%
5 Month
Min Deposit$500
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Sawyer Savings Bank Business CD Rates
Product
Rate
APY
Term
View More
Business 16 Month Certificate of Deposit
-
4.25%
16 Month
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Business 24 Month Certificate of Deposit
-
4.00%
24 Month
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Business 10 Month Certificate of Deposit
-
3.75%
10 Month
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Business 5 Month Certificate of Deposit
-
3.50%
5 Month
Min Balance$500
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Sawyer Savings Bank Savings Rates
Product
Rate
APY
View More
High Yield Savings
-
2.50%
Min Deposit$10,000
Min Balance$50,000
DetailsMore Details; Balance: $50,000 over
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 2.50% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
High Yield Savings
-
2.00%
Min Deposit$10,000
Min Balance$500
DetailsMore Details; Balance: $500 - $49,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
School Savings
-
0.25%
Min Deposit$1
Min Balance$1
DetailsMore Details
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Choice Savings
-
0.05%
Min Deposit$5
Min Balance$5
DetailsMore Details; Balance: $5 - $99.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Choice Savings
-
0.05%
Min Deposit$5
Min Balance$100
DetailsMore Details; Balance: $100 - $499.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Choice Savings
-
0.05%
Min Deposit$5
Min Balance$500
DetailsMore Details; Balance: $500 - $999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Choice Savings
-
0.05%
Min Deposit$5
Min Balance$1,000
DetailsMore Details; Balance: $1,000 over
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Security Deposit Savings
-
0.05%
Min Deposit$100
Min Balance$300
DetailsMore Details
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Statement Savings
-
0.05%
Min Deposit$25
Min Balance$500
DetailsMore Details; Balance: $500 - $999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Statement Savings
-
0.05%
Min Deposit$25
Min Balance$1,000
DetailsMore Details; Balance: $1,000 - $9,999.99
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 6 times
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Business NOW Checking
-
0.05%
Min Deposit$25
Min Balance$50,000
DetailsMore Details; Balance: $50,000 over
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 5 times
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Sawyer Savings Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Business 15-Year Fixed Rate Mortgage
7.375%
0
7.612%
15 Years
No additional details.
Last Updated10/12/2026
Rate History
3 changes since Sep 16, 2026 · 6.84% → 7.61% ▲ 0.78 pts · high 7.61% / low 6.84%
Oct 1, 20267.61%▲ from 7.21%
Sep 28, 20267.21%▲ from 7.09%
Sep 24, 20267.09%▲ from 6.84%
Sep 16, 20266.84%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Business 30-Year Fixed Rate Mortgage
7.625%
0
7.813%
30 Years
No additional details.
Last Updated10/12/2026
Rate History
3 changes since Sep 16, 2026 · 7.18% → 7.81% ▲ 0.63 pts · high 7.81% / low 7.18%
Oct 1, 20267.81%▲ from 7.56%
Sep 28, 20267.56%▲ from 7.30%
Sep 24, 20267.30%▲ from 7.18%
Sep 16, 20267.18%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Sawyer Savings Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business First Time Homebuyer Product Loan
8.625%
0
8.828%
30 Years
Last Updated10/12/2026
Rate History
3 changes since Sep 16, 2026 · 8.32% → 8.83% ▲ 0.51 pts · high 8.83% / low 8.32%
Oct 1, 20268.83%▲ from 8.58%
Sep 28, 20268.58%▲ from 8.45%
Sep 24, 20268.45%▲ from 8.32%
Sep 16, 20268.32%first recorded
Institution Ratings
4.6
Star Rating
B
Health Grade
◈ Texas Ratio: 19.69%
Financial Health History
Sawyer Savings Bank’s Texas Ratio rose from 7.52% in Q3 2023 to 19.69% 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 4.6 and its Health Grade from A to B. 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
$285M
19.69%
4.6
B
March 31, 2026
$279M
9.15%
5.0
A
December 31, 2025
$288M
9.94%
5.0
A
September 30, 2025
$281M
16.04%
4.9
A-
June 30, 2025
$286M
13.08%
5.0
A
March 31, 2025
$283M
6.93%
5.0
A
December 31, 2024
$287M
8.80%
5.0
A
September 30, 2024
$287M
11.65%
5.0
A
June 30, 2024
$291M
7.94%
5.0
A
March 31, 2024
$290M
8.93%
5.0
A
December 31, 2023
$290M
7.26%
5.0
A
September 30, 2023
$291M
7.52%
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 Sawyer 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 Sawyer 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 Sawyer Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameSawyer Savings Bank
FDIC Certificate #16039
Address
87 Market St,
Saugerties, NY 12477 · Ulster
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Sawyer Savings Bank
Frequently Asked Questions About Sawyer Savings Bank
How many branches does Sawyer Savings Bank operate?
Sawyer Savings 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, Sawyer 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, Sawyer Savings Bank provides members with tools to manage their accounts and build a solid financial history.
Does Sawyer Savings Bank offer online and mobile banking?
Most modern institutions like Sawyer 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.SawyerSavings.bank.
Current Sawyer Savings Bank Rates
24-Month CD4.00%
Savings2.50%
MMA2.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
