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Sugar River Bank Rates & Review November 2026

Q: What are the current interest rates at Sugar River Bank?

Current rates for Sugar River Bank include: 12-Month CD: 0.25%, 18-Month CD: 0.07%, 24-Month CD: 0.40%, 36-Month CD: 0.45%, 48-Month CD: 0.50%, 60-Month CD: 0.65%, Savings: 0.50%, MMA: 0.45%

Q: What CD terms does Sugar River Bank offer?

Sugar River Bank CD rates are 0.25% APY for a 12 month CD, 0.27% APY for an 18 month CD, 0.40% APY for a 2 year CD, 0.45% APY for a 3 year CD, 0.50% APY for a 4 year CD and 0.65% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Sugar River Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

Sugar River Bank's 60-Month CD rates are at 0.65%, 48-Month CD rates are at 0.50%, 36-Month CD rates are at 0.45%, 24-Month CD rates are at 0.40%, 18-Month CD rates are at 0.27%. Sugar River Bank's savings rates are at 0.50%. Sugar River Bank's money market rates are at 0.45%. Sugar River Bank's checking rates are as high as 0.01%. Sugar River Bank's 10/1 ARM rates are at 6.50%, 7/1 ARM rates are at 6.375%, 3/1 ARM rates are at 6.125%, 5/1 ARM rates are at 6.25%, 15 Year Fixed Mortgage rates are at 6.75%. Sugar River Bank's Personal Loan Rates are as low as 16.949%. Sugar River Bank's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sugar River Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.96%. Rates last updated and verified on 11/07/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.96%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Sugar River Bank

10 N Main St
Newport, NH 03773

https://www.sugarriver.bank

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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.

Sugar River Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
18-Month CD Special	3.93%	4.00%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Limited time offer; minimum to open and earn APY $1,000; penalty may be imposed for early withdrawal. APY accurate as of 10/5/2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month IRA Special	3.93%	4.00%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Limited time offer; minimum to open and earn APY $1,000; penalty may be imposed for early withdrawal. APY accurate as of 10/5/2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
11-Month CD Special	3.69%	3.75%	11 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Limited time offer; minimum to open and earn APY $1,000; penalty may be imposed for early withdrawal. APY accurate as of 10/5/2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
11-Month IRA Special	3.69%	3.75%	11 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Limited time offer; minimum to open and earn APY $1,000; penalty may be imposed for early withdrawal. APY accurate as of 10/5/2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month CD Special	3.49%	3.55%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Limited time offer; minimum to open and earn APY $1,000; penalty may be imposed for early withdrawal. APY accurate as of 12/16/2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 3.55% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month CD	0.65%	0.65%	60 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
60-Month IRA CD	0.65%	0.65%	60 months	$500
Min Deposit $500 Min Balance $500 Details Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month CD	0.50%	0.50%	48 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
48-Month IRA CD	0.50%	0.50%	48 months	$500
Min Deposit $500 Min Balance $500 Details Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month CD	0.45%	0.45%	36 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
36-Month IRA CD	0.45%	0.45%	36 months	$500
Min Deposit $500 Min Balance $500 Details Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month CD	0.40%	0.40%	24 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
24-Month IRA CD	0.40%	0.40%	24 months	$500
Min Deposit $500 Min Balance $500 Details Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month CD	0.27%	0.27%	18 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.27% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month CD	0.25%	0.25%	12 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
12-Month IRA CD	0.25%	0.25%	12 months	$100
Min Deposit $100 Min Balance $100 Details Additional deposits of $100 or more allowed. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
6-Month CD	0.15%	0.15%	6 months	$500
Min Deposit $500 Min Balance $500 Details Interest not compounded on CDs under 1 year; over 1 year compounded monthly; penalty may be imposed for early withdrawal. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
18-Month Variable IRA CD	0.07%	0.07%	18 months	$10
Min Deposit $10 Min Balance $10 Details Variable rate; additional deposits of $10 or more allowed. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 0.07% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Savings Rates

Product	Rate	APY
Health Savings	0.50%	0.50%
Min Deposit $1 Min Balance $1 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
High Yield Savings	0.09%	0.09%
Min Deposit $50,000 Min Balance $250,000 Details Balance: $250,000.00 and over; $35 item fee for each withdrawal above 4 per statement cycle; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.09% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
High Yield Savings	0.08%	0.08%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; $35 item fee for each withdrawal above 4 per statement cycle; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.08% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
High Yield Savings	0.07%	0.07%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; $35 item fee for each withdrawal above 4 per statement cycle; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Fund Savers	0.05%	0.05%
Min Deposit $10 Min Balance $1 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
High Yield Savings	0.05%	0.05%
Min Deposit $50,000 Min Balance $100 Details Balance: $100.00 - $49,999.99; $35 item fee for each withdrawal above 4 per statement cycle; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Money Market Rates

Product	Rate	APY
Money Market	0.45%	0.45%
Min Deposit $20 Min Balance $100,000 Details Minimum balance to obtain APY $100,000; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Money Market	0.45%	0.45%
Min Deposit $20 Min Balance $250,000 Details Minimum balance to obtain APY $250,000; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Money Market	0.10%	0.10%
Min Deposit $20 Min Balance $50,000 Details Minimum balance to obtain APY $50,000; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Money Market	0.05%	0.05%
Min Deposit $20 Min Balance $1,000 Details Minimum balance to obtain APY $1,000; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Money Market	0.01%	0.01%
Min Deposit $20 Min Balance $600 Details Minimum balance to obtain APY $600; Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Checking Rates

Product	Rate	APY
Deposit Plus Checking	0.01%	0.01%
Min Deposit $20 Min Balance $1 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Golden Club Checking	0.01%	0.01%
Min Deposit $20 Min Balance $1 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
SRB Premium Checking	0.01%	0.01%
Min Deposit $20 Min Balance $1 Details Rates are variable and may change after account opening; interest accrued daily and paid monthly on statement accounts. Rates effective July 1, 2025. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Mortgage Rates

Product	Rate	Points	APR	Term
10/1 ARM	6.50%	-	6.835%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
7/1 ARM	6.375%	-	6.896%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
3/1 ARM	6.125%	-	6.908%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.91% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
5/1 ARM	6.25%	-	6.965%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.97% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
15 Year Fixed Mortgage	6.75%	-	7.039%	15 years
Details 0 points; down payment 20%; 45-day rate lock; APR based on $100,000 loan, 20% down, 780 credit score; loans up to $766,550. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.04% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
10 Year Fixed Mortgage	6.75%	-	7.156%	10 years
Details 0 points; down payment 20%; 45-day rate lock; APR based on $100,000 loan, 20% down, 780 credit score; loans up to $766,550. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.16% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
20 Year Fixed Mortgage	7.00%	-	7.234%	20 years
Details 0 points; down payment 20%; 45-day rate lock; APR based on $100,000 loan, 20% down, 780 credit score; loans up to $766,550. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.23% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Jumbo 30 Year Fixed Mortgage	7.25%	-	7.265%	30 years
Details Loans over $766,550 (over $862,500 in Rockingham and Strafford counties); down payment 20%; APR based on $1,000,000 loan. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.27% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
30 Year Fixed Mortgage	7.125%	-	7.306%	30 years
Details 0 points; down payment 20%; 45-day rate lock; APR based on $100,000 loan, 20% down, 780 credit score; loans up to $766,550. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.31% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
One Step Construction 30 Year Fixed	7.25%	-	7.436%	30 years
Details Down payment 20%; APR based on $100,000 loan, 780 credit score. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 7.31% → 7.44% ▲ 0.13 pts · high 7.44% / low 7.31% Oct 26, 20267.44%▲ from 7.31% Oct 22, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Non-Conforming 7/1 ARM	7.50%	-	7.489%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Land Loan - 15 Year 5/1 ARM	7.00%	-	7.605%	15 years
Details Down payment 25%; APR based on $100,000 loan; PMI not available for land loans. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History 1 change since Oct 22, 2026 · 7.90% → 7.61% ▼ 0.29 pts · high 7.90% / low 7.61% Nov 6, 20267.61%▼ from 7.90% Oct 22, 20267.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Non-Conforming 5/1 ARM	7.375%	-	7.66%	30 years
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down, 30 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.66% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Non-Conforming 30 Year Fixed Mortgage	7.50%	-	7.685%	30 years
Details 0 points; down payment 20%; 45-day rate lock; APR based on $100,000 loan, 20% down, 780 credit score. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Boat Slip Loan - 3/1 Year ARM	6.99%	-	8.431%	15 years
Details Down payment 20%; caps 2/6; APR based on $100,000, 15 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.43% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Boat Slip Loan - 1 Year ARM	6.49%	-	8.85%	15 years
Details Down payment 20%; caps 2/6; APR based on $100,000, 15 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan	6.75%	-	6.795%	10 years
Details Maximum LTV 80%; APR based on $100,000 loan, 10 year term with $200 fee; no annual fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.80% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Home Equity Line of Credit	7.00%	-	7.448%
Details Maximum LTV 80%; discounted fixed rate for first 12 months, then adjusts quarterly to WSJ Prime + 0.50%; minimum rate 7.00%, maximum 18%; interest-only payments over 10 years; closing costs as low as $200 with $10,000 minimum disbursed; no annual fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 7.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2026/2025 New	7.99%	-	8.189%	72 months
Details Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 8.19% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Auto Loan - 2026/2025 New	7.99%	-	8.224%	60 months
Details Down payment 10%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 8.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Auto Loan - 2025/2024 Used	8.99%	-	9.28%	48 months
Details Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 9.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Auto Loan - 2023 Used	10.99%	-	11.284%	48 months
Details Down payment 15%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 11.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Auto Loan - 2022 Used	11.99%	-	11.99%	48 months
Details Down payment 15%; the bank page lists APR 11.287%, below the 11.99% rate (apparent typo on the page), so APR is left blank; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 11.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Auto Loan - 2021 Used	11.99%	-	12.374%	36 months
Details Down payment 20%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 12.37% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Slip Loan - 3/1 Year ARM	6.99%	8.431%	15 years
Details Down payment 20%; caps 2/6; APR based on $100,000, 15 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.43% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Boat Slip Loan - 1 Year ARM	6.49%	8.85%	15 years
Details Down payment 20%; caps 2/6; APR based on $100,000, 15 year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.85% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Motorcycle Loan - New 2026-2025	9.24%	9.53%	48 months
Details Down payment 10%; APR based on $15,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 9.53% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Recreational Vehicle Loan - New	9.50%	9.791%	48 months
Details Boats, ATVs, snowmobiles and campers; down payment 20%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 9.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Motorhome Loan - 1 Year Adjustable	9.99%	10.061%
Details Index WSJ Prime + 4.0%; cap 18%; down payment 20%; APR based on $25,000 for 84 months; motorhomes up to 7 model years old; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 10.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Camper Loan - New	9.99%	10.167%	84 months
Details Boats, ATVs, snowmobiles and campers; down payment 20%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 10.17% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Camper Loan - Used 2025-2024	9.99%	10.228%	60 months
Details Boats, ATVs, snowmobiles and campers; down payment 25%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 10.23% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Camper Loan - Used 2023-2020	9.99%	10.282%	48 months
Details Boats, ATVs, snowmobiles and campers; down payment 25%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 10.28% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Motorcycle Loan - Used 2024-2023	9.99%	10.282%	48 months
Details Down payment 20%; APR based on $15,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 10.28% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Motorcycle Loan - 2022	9.99%	10.37%	36 months
Details Down payment 20%; APR based on $15,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 10.37% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Motorhome Loan - 3 Year Adjustable	10.99%	11.062%
Details Index WSJ Prime + 4.5%; cap 18%; down payment 20%; APR based on $25,000 for 84 months; motorhomes up to 7 model years old; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 11.06% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Recreational Vehicle Loan - Used	11.00%	11.382%	36 months
Details Boats, ATVs, snowmobiles and campers; down payment 25%; APR based on $10,000; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 11.38% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	16.949%	48 months
Details Minimum loan $1,000, maximum $5,000; APR based on $1,000 loan and 48 month term; Rates based on automatic payment from a Sugar River Bank account (add 0.25% for manual payment); $55 processing fee. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 16.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

Sugar River Bank Other Rates

Product	Rate	Points	APY/APR	Term
Overdraft Protection Line of Credit	18.00%	-	18.00%
Details Requires a Sugar River Bank checking account; payment the greater of $10 or accrued interest plus 5% of principal. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 18.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
NHHFA Home Flex	7.00%	-	7.837%	30 years
Details New Hampshire Housing Finance Authority; down payment 3.50%; 0 points; APR based on 30-year term, 96.5% LTV, including PMI. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
NHHFA Home Preferred 80% AMI & Under	7.375%	-	7.957%	30 years
Details New Hampshire Housing Finance Authority; down payment 3.00%; 0 points; APR based on 30-year term, 97% LTV, including PMI. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 7.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
NHHFA Flex Plus ($10K Down Payment Assistance)	7.625%	-	8.476%	30 years
Details New Hampshire Housing Finance Authority; down payment 3.50%; 0 points; APR based on 30-year term, 96.5% LTV, including PMI. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 8.48% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
NHHFA Home Preferred ($10K Down Payment Assistance) 80% AMI & Under	7.75%	-	8.343%	30 years
Details New Hampshire Housing Finance Authority; down payment 3.00%; 0 points; APR based on 30-year term. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 8.34% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - New or Used on Land - 1 Yr ARM	7.25%	-	8.954%	240 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.95% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - New or Used on Land - 3 Yr ARM	7.75%	-	8.766%	240 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.77% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - New or Used on Land - 5 Yr ARM	8.25%	-	8.83%	240 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.83% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - New in Park - 3 Yr ARM	7.75%	-	8.75%	180 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - New in Park - 5 Yr ARM	7.875%	-	8.599%	180 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - Used in Park - 3 Yr ARM	8.00%	-	8.871%	120 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.87% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - Used in Park - 5 Yr ARM	8.25%	-	8.863%	120 months
Details Down payment 20%; caps 2/6; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.86% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%
Mobile Home Loan - Used in Park - 10 Year Fixed	8.125%	-	8.541%	120 months
Details Down payment 20%; caps none; APR based on $100,000 loan, 20% down. Rates effective November 03, 2026. Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 8.54% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.96%

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

Sugar River Bank’s Texas Ratio fell from 2.99% in Q3 2023 to 1.96% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$424M	1.96%	5.0	A+
March 31, 2026	$417M	2.07%	5.0	A+
December 31, 2025	$416M	1.07%	5.0	A+
September 30, 2025	$402M	2.23%	5.0	A+
June 30, 2025	$405M	3.15%	5.0	A+
March 31, 2025	$400M	2.49%	5.0	A+
December 31, 2024	$402M	2.54%	5.0	A+
September 30, 2024	$407M	2.89%	5.0	A+
June 30, 2024	$394M	1.51%	5.0	A+
March 31, 2024	$397M	1.88%	5.0	A+
December 31, 2023	$393M	2.27%	5.0	A+
September 30, 2023	$382M	2.99%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Sugar River 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 Sugar River 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 Sugar River Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Sugar River Bank

Website https://www.sugarriver.bank

Address 10 N Main St, Newport, NH 03773 · Sullivan

Bank Holding Company SUGAR RIVER BCORP MHC

FDIC Certificate # 18028

Regulator FDIC

Established January 1, 1895

FDIC Insurance Date July 2, 1959

Domestic Offices 6

Total Branches 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.96%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.6421%

Return on Equity (ROE)

5.5900%

Non-Performing Loans Ratio (NPL)

0.23%

Total Assets

$424,308,000

Total Deposits

$364,341,000

Equity Capital

$49,030,000

Net Income

$1,345,000

Headquarters

Newport

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Sugar River Bank earned the Verified Healthy badge

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

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Sugar River Bank

Does Sugar River Bank offer CDs?

Yes. Sugar River Bank current CD rates include its 60-Month CD at 0.65% APY, its 48-Month CD at 0.50% APY and its 36-Month CD at 0.45% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Sugar River Bank FDIC insured?

Yes. Sugar River 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 Sugar River Bank?

The highest Sugar River Bank CD rate is its 18-Month CD Special at 4.00% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Sugar River Bank offer?

Sugar River Bank CD rates are 0.25% APY for a 12 month CD, 0.27% APY for an 18 month CD, 0.40% APY for a 2 year CD, 0.45% APY for a 3 year CD, 0.50% APY for a 4 year CD and 0.65% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Sugar River Bank for its full lineup.

What is the highest savings rate at Sugar River Bank?

The highest Sugar River Bank savings rate is its Health Savings at 0.50% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Sugar River Bank?

The highest Sugar River Bank money market rate is its Money Market at 0.45% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at Sugar River Bank?

The highest Sugar River Bank checking rate is its Deposit Plus Checking at 0.01% APY, verified by MonitorBankRates as of November 7, 2026.

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

The lowest Sugar River Bank 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 7.125%, verified by MonitorBankRates as of November 7, 2026. Sugar River Bank mortgage rates are 7.125% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.75% for a 15 year mortgage, 6.75% for a 10 year mortgage, 6.49% for a 1 year mortgage, 6.125% for a 3/1 ARM, 6.25% for a 5/1 ARM and 6.375% for a 7/1 ARM.

What is the lowest auto loan rate at Sugar River Bank?

The lowest Sugar River Bank auto loan rate is its Auto Loan - 2026/2025 New at 7.99%, verified by MonitorBankRates as of November 7, 2026.

What is the lowest personal loan rate at Sugar River Bank?

The lowest Sugar River Bank personal loan rate is its Personal Unsecured Loan at 14.00%, verified by MonitorBankRates as of November 7, 2026.

How many branches does Sugar River Bank operate?

Sugar River Bank currently maintains approximately 6 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, Sugar River 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, Sugar River Bank provides members with tools to manage their accounts and build a solid financial history.

Does Sugar River Bank offer online and mobile banking?

Most modern institutions like Sugar River 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.sugarriver.bank.

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 Sugar River Bank rates compare?

Sugar River Bank's top CD rate of 4.00% APY on an 18 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Sugar River Bank's top rates are its 18-Months 18-Month CD Special at 4.00% APY, its Health Savings at 0.50% APY, its Money Market at 0.45% APY, its Deposit Plus Checking at 0.01% APY, its 3/1 ARM at 6.125% and its Personal Unsecured Loan at 16.949% APR, verified by MonitorBankRates on November 7, 2026.

Current Sugar River Bank Rates

12-Month CD0.25%
18-Month CD0.07%
24-Month CD0.40%
36-Month CD0.45%
48-Month CD0.50%
60-Month CD0.65%
Savings0.50%
MMA0.45%

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

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Sugar River Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Sugar River Bank Texas Ratio

Sugar River Bank Health Trend

Sugar River Bank CD Rates

Sugar River Bank Savings Rates

Sugar River Bank Money Market Rates

Sugar River Bank Checking Rates

Sugar River Bank Mortgage Rates

Sugar River Bank Home Equity & HELOC

Sugar River Bank Auto Loan Rates

Sugar River Bank RV, Boat and Powersport Loan Rates

Sugar River Bank Personal Loan Rates

Sugar River Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Sugar River Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Sugar River Bank

Does Sugar River Bank offer CDs?

Are CDs from Sugar River Bank FDIC insured?

What is the highest CD rate at Sugar River Bank?

What CD terms does Sugar River Bank offer?

What is the highest savings rate at Sugar River Bank?

What is the highest money market rate at Sugar River Bank?

What is the highest checking rate at Sugar River Bank?

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

What is the lowest auto loan rate at Sugar River Bank?

What is the lowest personal loan rate at Sugar River Bank?

How many branches does Sugar River Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sugar River 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 Sugar River Bank rates compare?

Current Sugar River Bank Rates

Compare to Other Banks