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Solvay Bank Rates & Review November 2026

Q: What are the current interest rates at Solvay Bank?

Current rates for Solvay Bank include: 12-Month CD: 4.25%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, 36-Month CD: 2.50%, 48-Month CD: 2.75%, 60-Month CD: 3.00%, Savings: 3.25%, MMA: 1.00%

Q: What CD terms does Solvay Bank offer?

Solvay Bank CD rates are 3.80% APY for a 7 month CD, 4.25% APY for a 12 month CD, 4.25% APY for a 16 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 4.25% APY for a 30 month CD, 2.50% APY for a 3 year CD, 2.75% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Solvay Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Solvay Bank's CD (CDs) - 12-Month rates are at 4.25%, CD (CDs) - 16-Month rates are at 4.25%, CD (CDs) - 30-Month rates are at 4.25%, CD (CDs) - 7-Month rates are at 3.80%, CD (CDs) - 18-Month rates are at 3.50%. Solvay Bank's savings rates are at 3.25%. Solvay Bank's money market rates are at 1.00%. Solvay Bank's checking rates are as high as 4.00%. Solvay Bank's Conventional Fixed Rate Mortgage - 10 Year rates are at 6.125%, Conventional Fixed Rate Mortgage - 15 Year rates are at 6.375%, 5/6 ARM: 30 Year rates are at 6.25%, 7/6 ARM: 30 Year rates are at 6.375%, 10/6 ARM: 30 Year rates are at 6.50%. Solvay Bank's Personal Loan Rates are as low as 8.74%. Solvay Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Solvay Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.90%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.90%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Solvay Bank

1537 Milton Ave
Solvay, NY 13209

https://www.solvaybank.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.

Solvay Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD (CDs) - 12-month	4.16%	4.25%	12 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Nov 5, 20264.25%▲ from 3.80% Oct 2, 20263.80%▲ from 3.65% Sep 19, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 16-month	4.16%	4.25%	16 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Minimum deposit to open the account is $2,500.00; Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Nov 5, 20264.25%▲ from 3.80% Oct 2, 20263.80%▲ from 3.50% Sep 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 30-month	4.16%	4.25%	30 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25% Nov 5, 20264.25%▲ from 2.25% Sep 19, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 12-month	4.18%	4.25%	12 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Nov 5, 20264.25%▲ from 3.80% Oct 2, 20263.80%▲ from 3.65% Sep 19, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 16-month	4.18%	4.25%	16 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Nov 5, 20264.25%▲ from 3.50% Sep 19, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 30-month	4.18%	4.25%	30 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.25% → 4.25% ▲ 2.00 pts · high 4.25% / low 2.25% Nov 5, 20264.25%▲ from 2.25% Sep 19, 20262.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
6-Month CD Special	4.07%	4.15%	6 Months	$500
Min Deposit $500 Min Balance $0 Details Effective 11/02/26; minimum daily balance of $0.01 to obtain APY; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Nov 5, 20264.15%▲ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 182 Days	4.07%	4.15%	182 Days	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Nov 5, 20264.15%▲ from 4.00% Oct 20, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 182 Days	4.09%	4.15%	182 Days	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Nov 5, 20264.15%▲ from 4.00% Oct 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 7-month	3.73%	3.80%	7 Months	$2,500
Min Deposit $2,500 Min Balance $0 Details Minimum deposit to open the account is $2,500.00; Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.80% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 18-month	3.44%	3.50%	18 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 24-month	3.44%	3.50%	24 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 2, 20263.50%▲ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 18-month	3.46%	3.50%	18 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 24-month	3.45%	3.50%	24 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 2, 20263.50%▲ from 3.00% Sep 19, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 60-month	2.96%	3.00%	60 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 60-month	2.97%	3.00%	60 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 48-month	2.71%	2.75%	48 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.75% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 48-month	2.72%	2.75%	48 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.75% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 36-month	2.47%	2.50%	36 Months	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
CD (CDs) - 91 Days	2.47%	2.50%	91 Days	$500
Min Deposit $500 Min Balance $0 Details Minimum daily balance of $0.01 to obtain APY; Penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
IRA CD - 36-month	2.48%	2.50%	36 Months	$500
Min Deposit $500 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Savings Rates

Product	Rate	APY
Horizon High-Yield Savings Account	3.20%	3.25%
Min Deposit $15 Min Balance $0 Details Balance: Up to $24,999.99; Minimum daily balance to obtain APY: $0.01; Requires companion Solvay Bank High Interest Checking Account Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Horizon High-Yield Savings Account	3.20%	3.25%
Min Deposit $15 Min Balance $25,000 Details Published APY range: 3.25% - 3.25%. Balance: $25,000.00 - $49.999.99; Minimum daily balance to obtain APY: $0.01; Requires companion Solvay Bank High Interest Checking Account Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Horizon High-Yield Savings Account	0.10%	0.10%
Min Deposit $15 Min Balance $50,000 Details Published APY range: 0.10% - 3.25%. Balance: Greater than $50,000.00; Minimum daily balance to obtain APY: $0.01; Requires companion Solvay Bank High Interest Checking Account Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Statement Savings	0.10%	0.10%
Min Deposit $1 Min Balance $0 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Money Market Rates

Product	Rate	APY
Money Market Advantage Non-Personal	1.00%	1.00%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 & Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage Non-Personal	0.85%	0.85%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.75%	0.75%
Min Deposit $15 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.75%	0.75%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 & Over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.75% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.65%	0.65%
Min Deposit $15 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.65%	0.65%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.65% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage Non-Personal	0.60%	0.60%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage Non-Personal	0.50%	0.50%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.45%	0.45%
Min Deposit $15 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.45%	0.45%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.35%	0.35%
Min Deposit $15 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.35%	0.35%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage Non-Personal	0.30%	0.30%
Min Deposit $25,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.25%	0.25%
Min Deposit $15 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.25%	0.25%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage Non-Personal	0.20%	0.20%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Account	0.15%	0.15%
Min Deposit $15 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Non-Personal	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Checking Rates

Product	Rate	APY	View More
High Interest Checking Special	3.93%	4.00%
Min Deposit $15 Min Balance $0 Details Qualifications Required; Balance: Up to $15,000.00; 4.00% APY is for 12 months from account opening if qualifications and rate tiers are met; Rate may change after promotional period; Minimum daily balance to obtain APY $0.01 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 4.00% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate Mortgage - 10 Year	6.125%	0	6.263%	10 Year
Details # Payments: 120; Purchase or Refinance; 60 day rate lock Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 5.89% → 6.26% ▲ 0.38 pts · high 6.77% / low 5.89% Nov 5, 20266.26%▼ from 6.51% Oct 31, 20266.51%▼ from 6.77% Oct 1, 20266.77%▲ from 6.14% Sep 19, 20266.14%▲ from 5.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 15 Year	6.375%	0	6.474%	15 Year
Details # Payments: 180; Purchase or Refinance; 60 day rate lock Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.10% → 6.47% ▲ 0.38 pts · high 6.85% / low 6.10% Nov 5, 20266.47%▼ from 6.72% Oct 31, 20266.72%▼ from 6.85% Oct 1, 20266.85%▲ from 6.35% Sep 19, 20266.35%▲ from 6.10% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
5/6 ARM: 30 Year	6.25%	0.00	6.502%	30 Year
Details Adjustable Rate Mortgage; Initial 60 months at 5.750% with payment $1,015.93; then 11.250% for remaining 300 months (est. payment $1,537.36); minimum loan amount $25,000.00; maximum conforming amount $832,750.00; APR current as of 09/29/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 6.23% → 6.50% ▲ 0.28 pts · high 6.50% / low 6.23% Oct 1, 20266.50%▲ from 6.23% Sep 27, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
7/6 ARM: 30 Year	6.375%	0.00	6.538%	30 Year
Details Adjustable Rate Mortgage; Initial 84 months at 6.375% with payment $1,029.39; then 11.375% for remaining 276 months (est. payment $1,523.94); minimum loan amount $25,000.00; maximum conforming amount $832,750.00; APR current as of 09/29/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 6.22% → 6.54% ▲ 0.32 pts · high 6.54% / low 6.22% Oct 1, 20266.54%▲ from 6.22% Sep 27, 20266.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
10/6 ARM: 30 Year	6.50%	0.00	6.604%	30 Year
Details Adjustable Rate Mortgage; Initial 120 months at 6.500% with payment $1,042.91; then 11.500% for remaining 240 months (est. payment $1,491.73); minimum loan amount $25,000.00; maximum conforming amount $832,750.00; APR current as of 09/29/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 6.23% → 6.60% ▲ 0.38 pts · high 6.60% / low 6.23% Oct 1, 20266.60%▲ from 6.23% Sep 27, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 20 Year	6.625%	0	6.704%	20 Year
Details # Payments: 240; Purchase or Refinance; 60 day rate lock Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.58% → 6.70% ▲ 0.13 pts · high 7.21% / low 6.58% Nov 5, 20266.70%▼ from 6.96% Oct 31, 20266.96%▼ from 7.21% Oct 1, 20267.21%▲ from 6.83% Sep 19, 20266.83%▲ from 6.58% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 30 Year	6.875%	0	6.936%	30 Year
Details # Payments: 360; Purchase or Refinance; 60 day rate lock Last Updated 11/05/2026 Rate History 4 changes since Sep 15, 2026 · 6.81% → 6.94% ▲ 0.13 pts · high 7.31% / low 6.81% Nov 5, 20266.94%▼ from 7.19% Oct 31, 20267.19%▼ from 7.31% Oct 1, 20267.31%▲ from 7.06% Sep 19, 20267.06%▲ from 6.81% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - HomeReady 30 Year	6.875%	0	6.936%	30 Year
Details HomeReady; # Payments: 360 Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.31% → 6.94% ▼ 0.38 pts · high 7.31% / low 6.94% Nov 5, 20266.94%▼ from 7.19% Oct 31, 20267.19%▼ from 7.31% Oct 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - First Lien	-	-	6.00%	36 to 60 Months
Details Lien: First Lien; APR with Autopay: 5.750%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 5.63% → 6.00% ▲ 0.38 pts · high 6.00% / low 5.63% Oct 20, 20266.00%▲ from 5.63% Oct 7, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HELOC - Variable Rate Introductory Special	-	-	6.50%
Details As Low As; Rate: Prime minus 0.50% for the first 12 months; Intro rate expires: 12 months Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Line of Credit (HELOC) - Variable Rate Introductory Special	-	-	6.50%	12 months
Details As Low As; Prime minus 0.50% for the first 12 months; Introductory rate Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HELOC - Variable Rate Introductory Special (After Introductory Period)	-	-	6.75%
Details Rate: Prime minus .25% after introductory period Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Line of Credit (HELOC) - Variable Rate Introductory Special, After Introductory Period	-	-	6.75%
Details Variable rate after introductory period: Prime minus .25% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.75% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan - 2nd Lien	-	-	6.75%	36 to 60 Months
Details Lien: 2nd Lien; APR with Autopay: 6.500%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 6.38% → 6.75% ▲ 0.38 pts · high 6.75% / low 6.38% Oct 20, 20266.75%▲ from 6.38% Oct 7, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan - First Lien	-	-	6.75%	61 to 120 Months
Details Lien: First Lien; APR with Autopay: 6.500%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 6.13% → 6.75% ▲ 0.63 pts · high 6.75% / low 6.13% Oct 20, 20266.75%▲ from 6.13% Oct 7, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HELOC - Standard Variable Rate	-	-	7.00%
Details Rate: Prime + 0% (7.00% minimum / 15% maximum); Variable APR Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Line of Credit (HELOC) - Standard Variable Rate	-	-	7.00%
Details Variable rate: Prime + 0% (7.00% minimum / 15% maximum); Current Prime 7.00%; APR may change monthly based on WSJ Prime, not to exceed 15.00% Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan - 2nd Lien	-	-	7.50%	61 to 120 Months
Details Lien: 2nd Lien; APR with Autopay: 7.250%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 7.13% → 7.50% ▲ 0.38 pts · high 7.50% / low 7.13% Oct 20, 20267.50%▲ from 7.13% Oct 7, 20267.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan - First Lien	-	-	7.50%	121 to 180 Months
Details Lien: First Lien; APR with Autopay: 7.250%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 6.63% → 7.50% ▲ 0.88 pts · high 7.50% / low 6.63% Oct 20, 20267.50%▲ from 6.63% Oct 7, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan - 2nd Lien	-	-	8.25%	121 to 180 Months
Details Lien: 2nd Lien; APR with Autopay: 8.000%; Autopay discount applies to Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 7.79% → 8.25% ▲ 0.46 pts · high 8.25% / low 7.79% Oct 20, 20268.25%▲ from 7.79% Oct 7, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Consumer Installment Auto Loan - New Auto 2025-2027	-	-	5.496%	Up to 36 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25% Nov 5, 20265.50%▲ from 5.25% Oct 20, 20265.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Used Auto 2025-2027	-	-	5.546%	Up to 36 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.30% → 5.55% ▲ 0.25 pts · high 5.55% / low 5.30% Nov 5, 20265.55%▲ from 5.30% Oct 20, 20265.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - New Auto 2025-2027	-	-	5.772%	37 to 66 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.52% → 5.77% ▲ 0.25 pts · high 5.77% / low 5.52% Nov 5, 20265.77%▲ from 5.52% Oct 20, 20265.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Used Auto 2025-2027	-	-	5.872%	37 to 66 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.62% → 5.87% ▲ 0.25 pts · high 5.87% / low 5.62% Nov 5, 20265.87%▲ from 5.62% Oct 20, 20265.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - New Auto 2025-2027	-	-	5.969%	67 to 72 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.72% → 5.97% ▲ 0.25 pts · high 5.97% / low 5.72% Nov 5, 20265.97%▲ from 5.72% Oct 20, 20265.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2023-2024	-	-	6.022%	Up to 66 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.72% → 6.02% ▲ 0.30 pts · high 6.02% / low 5.72% Nov 5, 20266.02%▲ from 5.72% Oct 20, 20265.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Used Auto 2025-2027	-	-	6.069%	67 to 72 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.82% → 6.07% ▲ 0.25 pts · high 6.07% / low 5.82% Nov 5, 20266.07%▲ from 5.82% Oct 20, 20265.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - New Auto 2025-2027	-	-	6.218%	73 to 75 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.97% → 6.22% ▲ 0.25 pts · high 6.22% / low 5.97% Nov 5, 20266.22%▲ from 5.97% Oct 20, 20265.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2023-2024	-	-	6.219%	67 to 72 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 5.97% → 6.22% ▲ 0.25 pts · high 6.22% / low 5.97% Nov 5, 20266.22%▲ from 5.97% Oct 20, 20265.97%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2021-2022	-	-	6.272%	Up to 66 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.02% → 6.27% ▲ 0.25 pts · high 6.27% / low 6.02% Nov 5, 20266.27%▲ from 6.02% Oct 20, 20266.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Used Auto 2025-2027	-	-	6.318%	73 to 75 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.07% → 6.32% ▲ 0.25 pts · high 6.32% / low 6.07% Nov 5, 20266.32%▲ from 6.07% Oct 20, 20266.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2023-2024	-	-	6.368%	73 - 75 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.12% → 6.37% ▲ 0.25 pts · high 6.37% / low 6.12% Nov 5, 20266.37%▲ from 6.12% Oct 20, 20266.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2021-2022	-	-	6.52%	67 to 72 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.27% → 6.52% ▲ 0.25 pts · high 6.52% / low 6.27% Nov 5, 20266.52%▲ from 6.27% Oct 20, 20266.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - New Auto 2025-2027	-	-	6.716%	76 to 84 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.47% → 6.72% ▲ 0.25 pts · high 6.72% / low 6.47% Nov 5, 20266.72%▲ from 6.47% Oct 20, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2021-2022	-	-	6.718%	73 to 75 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.47% → 6.72% ▲ 0.25 pts · high 6.72% / low 6.47% Nov 5, 20266.72%▲ from 6.47% Oct 20, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Used Auto 2025-2027	-	-	6.816%	76 to 84 Months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 6.57% → 6.82% ▲ 0.25 pts · high 6.82% / low 6.57% Nov 5, 20266.82%▲ from 6.57% Oct 20, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Consumer Installment Auto Loan - Auto 2019-2020	-	-	8.033%	Up to 48 months
Details Minimum loan amount: $2,000 on terms up to 75 months; $25,000 on terms 76-84 months; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 20, 2026 · 7.78% → 8.03% ▲ 0.25 pts · high 8.03% / low 7.78% Nov 5, 20268.03%▲ from 7.78% Oct 20, 20267.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle 2025-2027 - Up to 60 Months Loan	-	7.793%	Up to 60 Months
Details Consumer Installment Motorcycle Loan; Minimum Loan Amount: $2,000; APR advertised is based on a $20,000 loan with 10% down payment for highest term available; discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 7.29% → 7.79% ▲ 0.50 pts · high 7.79% / low 7.29% Nov 5, 20267.79%▲ from 7.54% Oct 2, 20267.54%▲ from 7.29% Sep 15, 20267.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Motorcycle 2025-2027 - Up to 60 Months Loan	-	8.543%	Up to 60 Months
Details Consumer Installment Motorcycle Loan; Minimum Loan Amount: $2,000; APR advertised is based on a $20,000 loan with 10% down payment for highest term available; discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 8.04% → 8.54% ▲ 0.50 pts · high 8.54% / low 8.04% Nov 5, 20268.54%▲ from 8.29% Oct 2, 20268.29%▲ from 8.04% Sep 15, 20268.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer Loan	-	8.784%	48 Months or Less
Details Consumer Installment Boat and RV Loan - New Loan; Minimum Loan Amount: $2,000; APR advertised based on $30,000 loan with 10% down, discounted 0.25% with automatic payments from Direct Rewards, Emerald, or High Interest checking Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 8.54% → 8.78% ▲ 0.24 pts · high 8.78% / low 8.54% Nov 5, 20268.78%▲ from 8.54% Oct 14, 20268.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Motorcycle 2021-2024 - Up to 60 Months Loan	-	8.793%	Up to 60 Months
Details Consumer Installment Motorcycle Loan; Minimum Loan Amount: $2,000; APR advertised is based on a $20,000 loan with 10% down payment for highest term available; discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 8.29% → 8.79% ▲ 0.50 pts · high 8.79% / low 8.29% Nov 5, 20268.79%▲ from 8.54% Oct 2, 20268.54%▲ from 8.29% Sep 15, 20268.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer Loan	-	9.023%	49 to 66 Months
Details Consumer Installment Boat and RV Loan - New Loan; Minimum Loan Amount: $2,000; APR advertised based on $30,000 loan with 10% down, discounted 0.25% with automatic payments from Direct Rewards, Emerald, or High Interest checking Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 8.77% → 9.02% ▲ 0.25 pts · high 9.02% / low 8.77% Nov 5, 20269.02%▲ from 8.77% Oct 14, 20268.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer Loan	-	9.269%	67 to 75 Months
Details Consumer Installment Boat and RV Loan - New Loan; Minimum Loan Amount: $2,000; APR advertised based on $30,000 loan with 10% down, discounted 0.25% with automatic payments from Direct Rewards, Emerald, or High Interest checking Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.02% → 9.27% ▲ 0.25 pts · high 9.27% / low 9.02% Nov 5, 20269.27%▲ from 9.02% Oct 14, 20269.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 Loan	-	9.284%	Up to 48 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.03% → 9.28% ▲ 0.25 pts · high 9.28% / low 9.03% Nov 5, 20269.28%▲ from 9.03% Oct 14, 20269.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 Loan	-	9.284%	Up to 48 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.03% → 9.28% ▲ 0.25 pts · high 9.28% / low 9.03% Nov 5, 20269.28%▲ from 9.03% Oct 14, 20269.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 Loan	-	9.523%	49 to 66 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.27% → 9.52% ▲ 0.25 pts · high 9.52% / low 9.27% Nov 5, 20269.52%▲ from 9.27% Oct 14, 20269.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 Loan	-	9.523%	49 to 66 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.27% → 9.52% ▲ 0.25 pts · high 9.52% / low 9.27% Nov 5, 20269.52%▲ from 9.27% Oct 14, 20269.27%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 Loan	-	9.534%	Up to 48 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.28% → 9.53% ▲ 0.25 pts · high 9.53% / low 9.28% Nov 5, 20269.53%▲ from 9.28% Oct 14, 20269.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 Loan	-	9.534%	Up to 48 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.28% → 9.53% ▲ 0.25 pts · high 9.53% / low 9.28% Nov 5, 20269.53%▲ from 9.28% Oct 14, 20269.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 Loan	-	9.769%	67 to 75 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.52% → 9.77% ▲ 0.25 pts · high 9.77% / low 9.52% Nov 5, 20269.77%▲ from 9.52% Oct 14, 20269.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 Loan	-	9.771%	67 to 72 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.52% → 9.77% ▲ 0.25 pts · high 9.77% / low 9.52% Nov 5, 20269.77%▲ from 9.52% Oct 14, 20269.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 Loan	-	9.773%	49 to 66 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.52% → 9.77% ▲ 0.25 pts · high 9.77% / low 9.52% Nov 5, 20269.77%▲ from 9.52% Oct 14, 20269.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 Loan	-	9.773%	49 to 66 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.52% → 9.77% ▲ 0.25 pts · high 9.77% / low 9.52% Nov 5, 20269.77%▲ from 9.52% Oct 14, 20269.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 Loan	-	10.02%	67 to 75 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.77% → 10.02% ▲ 0.25 pts · high 10.02% / low 9.77% Nov 5, 202610.02%▲ from 9.77% Oct 14, 20269.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 Loan	-	10.021%	67 to 72 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.77% → 10.02% ▲ 0.25 pts · high 10.02% / low 9.77% Nov 5, 202610.02%▲ from 9.77% Oct 14, 20269.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV Loan	-	10.512%	76 to 120 Months
Details Consumer Installment Boat and RV Loan - New Loan; Minimum Loan Amount: $2,000; APR advertised based on $30,000 loan with 10% down, discounted 0.25% with automatic payments from Direct Rewards, Emerald, or High Interest checking Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 10.26% → 10.51% ▲ 0.25 pts · high 10.51% / low 10.26% Nov 5, 202610.51%▲ from 10.26% Oct 14, 202610.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 Loan	-	11.011%	76 to 120 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 10.76% → 11.01% ▲ 0.25 pts · high 11.01% / low 10.76% Nov 5, 202611.01%▲ from 10.76% Oct 14, 202610.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 Loan	-	11.261%	76 to 120 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account; APRs for titled vehicles include a $25 VSI fee Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 11.01% → 11.26% ▲ 0.25 pts · high 11.26% / low 11.01% Nov 5, 202611.26%▲ from 11.01% Oct 14, 202611.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Personal Loan Rates

Product	APR	Term
Home Improvement Unsecured - Up to 48 Months Loan	8.74%	Up to 48 Months
Details As Low As; Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 8.24% → 8.74% ▲ 0.50 pts · high 8.74% / low 8.24% Nov 5, 20268.74%▲ from 8.49% Oct 2, 20268.49%▲ from 8.24% Sep 15, 20268.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Improvement Unsecured - 49 to 60 Months Loan	8.89%	49 to 60 Months
Details As Low As; Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 8.39% → 8.89% ▲ 0.50 pts · high 8.89% / low 8.39% Nov 5, 20268.89%▲ from 8.64% Oct 2, 20268.64%▲ from 8.39% Sep 15, 20268.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Improvement Unsecured - 61 to 72 Months Loan	9.24%	61 to 72 Months
Details As Low As; Minimum Loan Amount: $2,000; APR discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 8.74% → 9.24% ▲ 0.50 pts · high 9.24% / low 8.74% Nov 5, 20269.24%▲ from 8.99% Oct 2, 20268.99%▲ from 8.74% Sep 15, 20268.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Personal Unsecured Loan	10.24%	Up to 48 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 9.99% → 10.24% ▲ 0.25 pts · high 10.24% / low 9.99% Nov 5, 202610.24%▲ from 9.99% Oct 14, 20269.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Personal Unsecured Loan	10.39%	49 to 60 Months
Details Minimum Loan Amount: $2,000; APR discounted 0.25% with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 10.14% → 10.39% ▲ 0.25 pts · high 10.39% / low 10.14% Nov 5, 202610.39%▲ from 10.14% Oct 14, 202610.14%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Debt Consolidation Unsecured - Up to 48 Months Loan	12.24%	Up to 48 Months
Details Consumer Installment Debt Consolidation Loans; Minimum Loan Amount: $2,000; APR is discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 10.74% → 12.24% ▲ 1.50 pts · high 12.24% / low 10.74% Nov 5, 202612.24%▲ from 10.99% Oct 2, 202610.99%▲ from 10.74% Sep 19, 202610.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Debt Consolidation Unsecured - 49 to 60 Months Loan	12.39%	49 to 60 Months
Details Consumer Installment Debt Consolidation Loans; Minimum Loan Amount: $2,000; APR is discounted 0.25% for Solvay Bank account holders with automatic payments from a Direct Rewards, Emerald, or High Interest checking account Last Updated 11/05/2026 Rate History 2 changes since Sep 19, 2026 · 10.89% → 12.39% ▲ 1.50 pts · high 12.39% / low 10.89% Nov 5, 202612.39%▲ from 11.14% Oct 2, 202611.14%▲ from 10.89% Sep 19, 202610.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Other Rates

Product	Rate	Points	APY/APR
HSA Accounts	0.03%	-	0.03%
Min Deposit $50 Min Balance $0 Details Balance: $.01 - $1,999.99; Fees could reduce earnings on the account. Rate may change at any time after the account is open. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HSA Accounts	0.03%	-	0.03%
Min Deposit $50 Min Balance $2,000 Details Balance: $2,000 - $9,999.99; Fees could reduce earnings on the account. Rate may change at any time after the account is open. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HSA Accounts	0.03%	-	0.03%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 & Over; Fees could reduce earnings on the account. Rate may change at any time after the account is open. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
NOW Account	0.02%	-	0.02%
Min Deposit $15 Min Balance $0 Details Rate may change at any time after the account is open. Fees may reduce earnings. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
NOW Business Account	0.02%	-	0.02%
Min Deposit $100 Min Balance $0 Details Minimum Daily Balance to Obtain APY: $0.01; Rate may change at any time after the account is open. Fees may reduce earnings. Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.02% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

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

Solvay Bank’s Texas Ratio stayed near 0.79% in Q3 2023 to 0.90% 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 3.7 to 5.0 and its Health Grade from B to A+. 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	$1.2B	0.90%	5.0	A+
March 31, 2026	$1.2B	0.63%	5.0	A+
December 31, 2025	$1.2B	0.63%	5.0	A+
September 30, 2025	$1.3B	0.74%	5.0	A+
June 30, 2025	$1.2B	0.95%	5.0	A+
March 31, 2025	$1.2B	0.90%	5.0	A+
December 31, 2024	$1.2B	0.86%	4.7	A
September 30, 2024	$1.3B	0.78%	4.7	A
June 30, 2024	$1.2B	0.42%	4.4	A
March 31, 2024	$1.2B	0.74%	4.2	A-
December 31, 2023	$1.1B	0.61%	4.8	A+
September 30, 2023	$1.2B	0.79%	3.7	B

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 Solvay 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 Solvay 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 Solvay Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Solvay Bank

Website https://www.solvaybank.com

Address 1537 Milton Ave, Solvay, NY 13209 · Onondaga

Bank Holding Company SOLVAY BANK CORP

FDIC Certificate # 13297

Regulator FED

Established March 17, 1917

FDIC Insurance Date January 1, 1934

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.90%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7606%

Return on Equity (ROE)

9.7300%

Non-Performing Loans Ratio (NPL)

0.07%

Total Assets

$1,197,828,000

Total Deposits

$1,071,421,000

Equity Capital

$93,937,000

Net Income

$4,529,000

Headquarters

Solvay

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Solvay Bank earned the Verified Healthy badge

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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Customer Reviews

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Frequently Asked Questions About Solvay Bank

Does Solvay Bank offer CDs?

Yes. Solvay Bank current CD rates include its CD (CDs) - 12-Month at 4.25% APY, its CD (CDs) - 16-Month at 4.25% APY and its CD (CDs) - 30-Month at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Solvay Bank FDIC insured?

Yes. Solvay Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Solvay Bank?

The highest Solvay Bank CD rate is its Certificates of Deposit (CDs) - 12-Month at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Solvay Bank offer?

Solvay Bank CD rates are 3.80% APY for a 7 month CD, 4.25% APY for a 12 month CD, 4.25% APY for a 16 month CD, 3.50% APY for an 18 month CD, 3.50% APY for a 2 year CD, 4.25% APY for a 30 month CD, 2.50% APY for a 3 year CD, 2.75% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Solvay Bank for its full lineup.

What is the highest savings rate at Solvay Bank?

The highest Solvay Bank savings rate is its Horizon High-Yield Savings Account at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Solvay Bank?

The highest Solvay Bank money market rate is its Money Market Advantage Non-Personal at 1.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Solvay Bank?

The highest Solvay Bank checking rate is its High Interest Checking Special at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Solvay Bank?

The lowest Solvay Bank 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 Year at 6.875%, verified by MonitorBankRates as of November 5, 2026. Solvay Bank mortgage rates are 6.875% for a 30 year mortgage, 6.625% for a 20 year mortgage, 6.375% for a 15 year mortgage, 6.125% for a 10 year mortgage, 6.25% for a 5/6 ARM, 6.375% for a 7/6 ARM and 6.50% for a 10/6 ARM.

What is the lowest auto loan rate at Solvay Bank?

The lowest Solvay Bank auto loan rate is its Consumer Installment Auto Loan - New Auto 2025-2027 at 5.496% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Solvay Bank?

The lowest Solvay Bank personal loan rate is its Home Improvement Unsecured - 49 to 60 Months Loan at 8.89% APR, verified by MonitorBankRates as of November 5, 2026. Solvay Bank personal loan rates are 8.89% APR for a 60 month personal loan and 9.24% APR for a 72 month personal loan.

How many branches does Solvay Bank operate?

Solvay Bank currently maintains approximately 10 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, Solvay 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, Solvay Bank provides members with tools to manage their accounts and build a solid financial history.

Does Solvay Bank offer online and mobile banking?

Most modern institutions like Solvay 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.solvaybank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Solvay Bank rates compare?

Solvay Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Solvay Bank's top rates are its 12-Months Certificates of Deposit (CDs) - 12-Month at 4.25% APY, its Horizon High-Yield Savings Account at 3.25% APY, its Money Market Advantage Non-Personal at 1.00% APY, its High Interest Checking Special at 4.00% APY, its Conventional Fixed Rate Mortgage - 10 Year at 6.125% and its Home Improvement Unsecured - Up to 48 Months Loan at 8.74% APR, verified by MonitorBankRates on November 5, 2026.

Current Solvay Bank Rates

12-Month CD4.25%
18-Month CD3.50%
24-Month CD3.50%
36-Month CD2.50%
48-Month CD2.75%
60-Month CD3.00%
Savings3.25%
MMA1.00%

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

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Solvay Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Solvay Bank Texas Ratio

Solvay Bank Health Trend

Solvay Bank CD Rates

Solvay Bank Savings Rates

Solvay Bank Money Market Rates

Solvay Bank Checking Rates

Solvay Bank Mortgage Rates

Solvay Bank Home Equity & HELOC

Solvay Bank Auto Loan Rates

Solvay Bank RV, Boat and Powersport Loan Rates

Solvay Bank Personal Loan Rates

Solvay Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Solvay Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Solvay Bank

Does Solvay Bank offer CDs?

Are CDs from Solvay Bank FDIC insured?

What is the highest CD rate at Solvay Bank?

What CD terms does Solvay Bank offer?

What is the highest savings rate at Solvay Bank?

What is the highest money market rate at Solvay Bank?

What is the highest checking rate at Solvay Bank?

What is the lowest 30 year fixed mortgage rate at Solvay Bank?

What is the lowest auto loan rate at Solvay Bank?

What is the lowest personal loan rate at Solvay Bank?

How many branches does Solvay Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Solvay Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Solvay Bank rates compare?

Current Solvay Bank Rates

Compare to Other Banks