What are the current interest rates at Solvay Bank?

Current rates for Solvay Bank include: 12-Month CD: 3.65%, 18-Month CD: 3.50%, 24-Month CD: 3.00%, 36-Month CD: 2.50%, 48-Month CD: 2.75%, 60-Month CD: 3.00%, Savings: 0.10%, MMA: 0.15%

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Solvay Bank Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Solvay Bank's 6-Months 6-Month Certificate of Deposit Special rates are at 4.00%, 7-Months 7-Month Certificates of Deposit (CDs) rates are at 3.80%, 12-Months 12-Month Certificates of Deposit (CDs) rates are at 3.65%, 12-Months 12-Month IRA Certificates of Deposit rates are at 3.65%, 16-Months 16-Month Certificates of Deposit (CDs) rates are at 3.50%. Solvay Bank's savings rates are at 0.10%. Solvay Bank's money market rates are at 0.15%. Solvay Bank's Conventional Fixed Rate Mortgage - 10 Year rates are at 6.00%, ARM Rates - 7/6 ARM: 30 Year rates are at 5.88%, ARM Rates Special - 7/6 ARM: 30 Year rates are at 5.88%, ARM Rates - 10/6 ARM: 30 Year rates are at 6.00%, ARM Rates - 5/6 ARM: 30 Year rates are at 5.75%. Solvay Bank's Personal Loan Rates are as low as 8.24%. 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 09/19/2026.

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

Solvay Bank CD Rates

Product	Rate	APY	Term
6 Month Certificate of Deposit Special	3.92%	4.00%	6 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
7 Month Certificates of Deposit (CDs)	3.73%	3.80%	7 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
12 Month Certificates of Deposit (CDs)	3.58%	3.65%	12 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
12 Month IRA Certificates of Deposit	3.60%	3.65%	12 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
16 Month Certificates of Deposit (CDs)	3.44%	3.50%	16 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
16 Month IRA Certificates of Deposit	3.45%	3.50%	16 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
18 Month Certificates of Deposit (CDs)	3.44%	3.50%	18 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
18 Month IRA Certificates of Deposit	3.46%	3.50%	18 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
182 Day Certificates of Deposit (CDs)	3.44%	3.50%	182 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
182 Day IRA Certificates of Deposit	3.46%	3.50%	182 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
24 Month Certificates of Deposit (CDs)	2.96%	3.00%	24 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
24 Month IRA Certificates of Deposit	2.97%	3.00%	24 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
60 Month Certificates of Deposit (CDs)	2.96%	3.00%	60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
60 Month IRA Certificates of Deposit	2.97%	3.00%	60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
48 Month Certificates of Deposit (CDs)	2.71%	2.75%	48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
48 Month IRA Certificates of Deposit	2.72%	2.75%	48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
36 Month Certificates of Deposit (CDs)	2.47%	2.50%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
36 Month IRA Certificates of Deposit	2.48%	2.50%	36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
91 Day Certificates of Deposit (CDs)	2.47%	2.50%	91 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
30 Month Certificates of Deposit (CDs)	2.23%	2.25%	30 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
30 Month IRA Certificates of Deposit	2.23%	2.25%	30 Months
No additional details. Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 $0 Details Published APY range: 0.10% - 3.25%. Balance: Greater than $50,000.00 Last Updated 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Money Market Rates

Product	Rate	APY
Money Market Advantage	1.00%	1.00%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage	0.85%	0.85%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 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 & Over Last Updated 09/19/2026 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 09/19/2026 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 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage	0.60%	0.60%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage	0.50%	0.50%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 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 09/19/2026 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 09/19/2026 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 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage	0.30%	0.30%
Min Deposit $25,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 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 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage	0.20%	0.20%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 09/19/2026 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 09/19/2026 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Checking Rates

Product	Rate	APY
High Interest Checking Special	3.93%	4.00%
Min Deposit $15 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: Up to $15,000; APY1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
High Interest Checking Special	0.10%	0.10%
Min Deposit $15 Min Balance $0 Details Published APY range: 0.10% - 4.00%. Balance: Above $15,000; APY1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
High Interest Checking Special	0.05%	0.05%
Min Deposit $15 Min Balance $0 Details Balance: Qualifications Not Met; APY1 Last Updated 09/19/2026 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	6.00%	0	6.14%	120 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates - 7/6 ARM: 30 Year	5.88%	0.00	6.22%	30 Year
Details The total repayment term for this ARM loan is 30 years or 360 payments. For the first 84 months the payment will be $976.04 with a corresponding interest rate of 5.875%; for the remaining 276 months, the estimated payment will be $1,458.28 with a corresponding interest rate of 10.875%. The interest rate and monthly payment amount may vary after the first 84 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates Special - 7/6 ARM: 30 Year	5.88%	0.00	6.22%	30 Year
Details For the first 84 months the payment will be $976.04 with a corresponding interest rate of 5.875%; for the remaining 276 months, the estimated payment will be $1,458.28 with a corresponding interest rate of 10.875%. The interest rate and monthly payment amount may vary after the first 84 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates - 10/6 ARM: 30 Year	6.00%	0.00	6.23%	30 Year
Details The total repayment term for this ARM loan is 30 years or 360 payments. For the first 120 months the payment will be $989.26 with a corresponding interest rate of 6.000%; for the remaining 240 months, the estimated payment will be $1,425.26 with a corresponding interest rate of 11.000%. The interest rate and monthly payment amount may vary after the first 120 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates - 5/6 ARM: 30 Year	5.75%	0.00	6.23%	30 Year
Details The total repayment term for this ARM loan is 30 years or 360 payments. For the first 60 months the payment will be $962.90 with a corresponding interest rate of 5.750%; for the remaining 300 months, the estimated payment will be $1,470.34 with a corresponding interest rate of 10.750%. The interest rate and monthly payment amount may vary after the first 60 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates Special - 10/6 ARM: 30 Year	6.00%	0.00	6.23%	30 Year
Details For the first 120 months the payment will be $989.26 with a corresponding interest rate of 6.000%; for the remaining 240 months, the estimated payment will be $1,425.26 with a corresponding interest rate of 11.000%. The interest rate and monthly payment amount may vary after the first 120 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
ARM Rates Special - 5/6 ARM: 30 Year	5.75%	0.00	6.23%	30 Year
Details For the first 60 months the payment will be $962.90 with a corresponding interest rate of 5.750%; for the remaining 300 months, the estimated payment will be $1,470.34 with a corresponding interest rate of 10.750%. The interest rate and monthly payment amount may vary after the first 60 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 15 Year	6.25%	0	6.35%	180 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 20 Year	6.75%	0	6.83%	240 months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Conventional Fixed Rate Mortgage - 30 Year	7.00%	0	7.06%	360 months
No additional details. Last Updated 09/19/2026 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 Fixed Rate Loan - First Lien	-	-	5.88%	36 to 60 Months
Details APR with Autopay: 5.625% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - First Lien	-	-	5.88%	36 to 60 Months
Details APR with Autopay: 5.625% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Variable Rate Introductory Special	-	-	6.25%
Details As low as Prime minus 0.50% for the first 12 months Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Fixed Rate Loan - First Lien	-	-	6.38%	61 to 120 Months
Details APR with Autopay: 6.125% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - First Lien	-	-	6.38%	61 to 120 Months
Details APR with Autopay: 6.125% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Variable Rate Introductory Special	-	-	6.50%
Details After introductory period, variable rate is Prime minus .25% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Fixed Rate Loan - 2nd Lien	-	-	6.63%	36 to 60 Months
Details APR with Autopay: 6.375% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - 2nd Lien	-	-	6.63%	36 to 60 Months
Details APR with Autopay: 6.375% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Standard Variable Rate	-	-	6.75%
Details Rate: Prime + 0% (6.75% minimum / 15% maximum) Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Fixed Rate Loan - First Lien	-	-	6.88%	121 to 180 Months
Details APR with Autopay: 6.625% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - First Lien	-	-	6.88%	121 to 180 Months
Details APR with Autopay: 6.625% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Fixed Rate Loan - 2nd Lien	-	-	7.38%	61 to 120 Months
Details APR with Autopay: 7.125% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - 2nd Lien	-	-	7.38%	61 to 120 Months
Details APR with Autopay: 7.125% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Fixed Rate Loan - 2nd Lien	-	-	8.13%	121 to 180 Months
Details APR with Autopay: 7.875% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Equity Loan & Line Specials - 2nd Lien	-	-	8.13%	121 to 180 Months
Details APR with Autopay: 7.785% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto - 2025-2027	-	-	5.00%	Up to 36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Auto - 2025-2027	-	-	5.05%	Up to 36 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New Auto - 2025-2027	-	-	5.27%	37 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Auto - 2025-2027	-	-	5.37%	37 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New Auto - 2025-2027	-	-	5.47%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2023-2024	-	-	5.52%	Up to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Auto - 2025-2027	-	-	5.57%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New Auto - 2025-2027	-	-	5.72%	73 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2023-2024	-	-	5.72%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2021-2022	-	-	5.77%	Up to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Auto - 2025-2027	-	-	5.82%	73 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2023-2024	-	-	5.87%	73 - 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2021-2022	-	-	6.02%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New Auto - 2025-2027	-	-	6.22%	76 to 84 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2021-2022	-	-	6.22%	73 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Auto - 2025-2027	-	-	6.31%	76 to 84 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Auto - 2019-2020	-	-	7.53%	Up to 48 months
No additional details. Last Updated 09/19/2026 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	-	7.29%	Up to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Motorcycle 2025-2027 - Up to 60 Months Loan	-	8.04%	Up to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer - 48 Months or Less Loan	-	8.28%	48 Months or Less
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Motorcycle 2021-2024 - Up to 60 Months Loan	-	8.29%	Up to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer - 49 to 66 Months Loan	-	8.52%	49 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV, ATV, Snowmobile, Trailer - 67 to 75 Months Loan	-	8.77%	67 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 - Up to 48 Months Loan	-	8.78%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 - Up to 48 Months Loan	-	8.78%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 - 49 to 66 Months Loan	-	9.02%	49 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 - 49 to 66 Months Loan	-	9.02%	49 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 - Up to 48 Months Loan	-	9.03%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 - Up to 48 Months Loan	-	9.03%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2025-2027 - 67 to 72 Months Loan	-	9.27%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 - 67 to 75 Months Loan	-	9.27%	67 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 - 49 to 66 Months Loan	-	9.27%	49 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 - 49 to 66 Months Loan	-	9.27%	49 to 66 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used ATV, Snowmobile, Trailer 2021-2024 - 67 to 72 Months Loan	-	9.52%	67 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 - 67 to 75 Months Loan	-	9.52%	67 to 75 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
New 2025-2027 Boat, RV - 76 to 120 Months Loan	-	10.01%	76 to 120 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2025-2027 - 76 to 120 Months Loan	-	10.51%	76 to 120 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Used Boat, RV 2021-2024 - 76 to 120 Months Loan	-	10.76%	76 to 120 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Personal Loan Rates

Product	APR	Term
Home Improvement Unsecured Loan	8.24%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Improvement Unsecured Loan	8.39%	49 to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Home Improvement Unsecured Loan	8.74%	61 to 72 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Personal Unsecured - Up to 48 Months Loan	9.74%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Personal Unsecured - 49 to 60 Months Loan	9.89%	49 to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Debt Consolidation Unsecured - Up to 48 Months Loan	10.74%	Up to 48 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Debt Consolidation Unsecured - 49 to 60 Months Loan	10.89%	49 to 60 Months
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Solvay Bank Other Rates

Product	Rate	Points	APY/APR	Term
HomeReady 30 Year Loan	7.00%	0	7.06%	360 months
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
HSA Accounts	0.03%	-	0.03%
Min Deposit $50 Min Balance $0 Details Balance: $.01 - $1,999.99 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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.
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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

Institution Name Solvay Bank

Bank Holding Company SOLVAY BANK CORP

Address 1537 Milton Ave, Solvay, NY 13209 · Onondaga

Website https://www.solvaybank.com

FDIC Certificate # 13297

Established 19170317

FDIC Insurance Date 19340101

Domestic Offices 10

Total Branches 10

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7606%

Return on Equity (ROE) 9.7300%

Non-Performing Loans (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 10

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Solvay Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Solvay Bank

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.