What are the current interest rates at Schuyler Savings Bank?

Current rates for Schuyler Savings Bank include: 12-Month CD: 0.15%, 18-Month CD: 0.35%, 24-Month CD: 0.30%, 36-Month CD: 0.30%, 48-Month CD: 0.30%, 60-Month CD: 0.50%, Savings: 0.10%, MMA: 0.20%

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Schuyler Savings Bank

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Schuyler Savings Bank Rates & Review October 2026

Q: How many branches does Schuyler Savings Bank operate?

Schuyler Savings Bank currently maintains approximately 2 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, Schuyler 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Schuyler Savings Bank 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 12, 2026

Schuyler Savings Bank's top rates as of October 12, 2026 are 3.75% APY on its 91 Days 91 Day IRA Certificate, 0.10% APY on savings, 0.20% APY on money market accounts, 0.10% APY on checking, and 4.99% on its 1/1/30 ARM mortgage, according to rates verified by MonitorBankRates. Other Schuyler Savings Bank CD rates include 5-Months 5-Month Certificate at 3.65%, 30-Months 30-Month Certificate at 2.00%, and 60-Months 60-Month Certificate at 0.50%. Other Schuyler Savings Bank mortgage rates include 10 Year Fixed Rate at 5.875%, 15 Year Fixed Rate at 6.25%, and 5/1/30 ARM at 5.625%. MonitorBankRates evaluates the financial stability of Schuyler Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.17%. Rates last updated and verified on 10/12/2026.

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

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

2.17%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Schuyler Savings Bank

24 Davis Ave
Kearny, NJ 07032

https://www.schuylersavings.com

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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.

Schuyler Savings Bank CD Rates

Product	Rate	APY	Term
91 Day IRA Certificate	3.68%	3.75%	91 Days
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
5 Month Certificate	3.58%	3.65%	5 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
30 Month Certificate	1.98%	2.00%	30 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
60 Month Certificate	0.50%	0.50%	60 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
18 Month Certificate	0.35%	0.35%	18 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
18 Month Flexible	0.35%	0.35%	18 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
18 Month Variable Available For IRA Only	0.35%	0.35%	18 Month
Min Deposit $1,000 Details IRA Only Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
24 Month Certificate	0.30%	0.30%	24 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
36 Month Certificate	0.30%	0.30%	36 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
36 month Flexible	0.30%	0.30%	36 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
48 Month Certificate	0.30%	0.30%	48 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
12 Month Certificate	0.25%	0.25%	12 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
7 Month Certificate	0.25%	0.25%	7 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
6 Month Certificate	0.20%	0.20%	6 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
13 Month Certificate	0.15%	0.15%	13 Months
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
99 Day IRA Certificate	0.15%	0.15%	99 Days
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Schuyler Savings Bank Savings Rates

Product	Rate	APY
Kid Savers Account	0.20%	0.20%
Min Deposit $1 Min Balance $1 Details Initial deposit of $1 required. Minimum balance to earn the APY is $1.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Holiday Club	0.10%	0.10%
Details The amount of Club Account available are $10, $20 and $25 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Passbook Savings Account	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Initial deposit of $50.00 required. Minimum balance to earn the APY is $50.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Statement Savings Account	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Cardholder tier: ATM Card; Initial deposit of $50.00 required. ATM Card available. Minimum balance to earn the APY is $50.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Vacation Club	0.10%	0.10%
Details The amount of the Club Account available are $10, $20 and $25 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Schuyler Savings Bank Money Market Rates

Product	Rate	APY
Premium Tiered Money Market Account	0.20%	0.20%
Min Balance $50,000 Details 2nd Tier balance requirement is $50,000.00 and over. Minimum balance to earn APY is $50,000. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Premium Tiered Money Market Account	0.15%	0.15%
Min Deposit $10,000 Min Balance $10,000 Details 1st Tier balance requirement is $10,000 to $49,999.99. Initial deposit to open is $10,000.00. Minimum balance to earn APY is $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Money Market Passbook	0.10%	0.10%
Min Deposit $1,000 Min Balance $1,000 Details Initial deposit of $1000 required. Minimum to earn the APY is $1,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Schuyler Savings Bank Checking Rates

Product	Rate	APY
Community Checking	0.10%	0.10%
Details N/A Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Now Checking	0.10%	0.10%
Min Balance $100 Details Balance: $100 minimum daily required Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Senior Checking	0.10%	0.10%
Details No minimum required Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
Totally Free Checking	0.10%	0.10%
Details No minimum required Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

Schuyler Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Rate	5.875%	-	6.05%	10 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
15 Year Fixed Rate	6.25%	-	6.376%	15 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
5/1/30 ARM	5.625%	-	6.597%	30 years
Details Monthly Payment per $1000: $5.76 (first 60 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 60 payments of $575.66 then 300 payments at $661.97 at a rate of 7.125% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
10/1/30 ARM	6.25%	-	6.618%	30 years
Details Monthly Payment per $1000: $6.16 (first 120 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 120 payments of $615.72 then 240 payments of $659.43 at a rate of 7.125% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.62% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
7/1/30 ARM	6.125%	-	6.679%	30 years
Details Monthly Payment per $1000: $6.08 (first 84 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 84 payments of $607.61 then 276 payments of $662.76 at a rate of 7.125% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
20 Year Fixed Rate	6.625%	-	6.727%	20 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.73% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
30 Year Fixed Rate	6.75%	-	6.828%	30 Year
No additional details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
1/1/30 ARM	4.99%	-	6.974%	30 years
Details Monthly Payment per $1000: $5.36 (first 12 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 12 payments of $536.21 then 12 payments of $661.54 at a rate of 6.990% then 336 payments of $670.22 at a rate of 7.125% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.97% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
5/5/30 ARM	6.00%	-	7.037%	30 years
Details Monthly Payment per $1000: $6.00 (first 60 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 60 payments of $599.55 then 300 payments of $695.25 at a rate of 7.625% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%
3/3/30 ARM	5.50%	-	7.041%	30 years
Details Monthly Payment per $1000: $5.68 (first 36 monthly payments); Monthly Principal & Interest Payments Based on a $100,000 Loan: 36 payments of $567.79 then 324 payments of $689.93 at a rate of 7.500% based on current index and margin Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 7.04% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.17%

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.
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Financial Health History

Schuyler Savings Bank’s Texas Ratio fell from 5.20% in Q3 2023 to 2.17% in Q2 2026, so its financial health has improved and is now 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	$151M	2.17%	5.0	A+
March 31, 2026	$150M	2.56%	5.0	A+
December 31, 2025	$147M	2.55%	5.0	A+
September 30, 2025	$138M	2.94%	5.0	A+
June 30, 2025	$138M	3.11%	5.0	A+
March 31, 2025	$139M	4.85%	5.0	A+
December 31, 2024	$139M	4.83%	5.0	A+
September 30, 2024	$138M	5.05%	5.0	A+
June 30, 2024	$136M	5.43%	5.0	A+
March 31, 2024	$135M	3.94%	5.0	A+
December 31, 2023	$136M	4.54%	5.0	A+
September 30, 2023	$137M	5.20%	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 Schuyler 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 Schuyler 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 Schuyler Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Schuyler Savings Bank

FDIC Certificate # 30072

Address 24 Davis Ave, Kearny, NJ 07032 · Hudson

Website https://www.schuylersavings.com

Established 19240101

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 2

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

2.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1954%

Return on Equity (ROE) 1.3800%

Non-Performing Loans (NPL) 0.30%

Total Assets $151,213,000

Total Deposits $118,044,000

Equity Capital $21,106,000

Net Income $146,000

Headquarters Kearny

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Schuyler 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.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Schuyler Savings Bank

How many branches does Schuyler Savings Bank operate?

Schuyler Savings Bank currently maintains approximately 2 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, Schuyler 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, Schuyler Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Schuyler Savings Bank offer online and mobile banking?

Most modern institutions like Schuyler 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.schuylersavings.com.