What are the current interest rates at The Berkshire Bank?

Current rates for The Berkshire Bank include: 12-Month CD: 3.30%, 18-Month CD: 1.26%, 24-Month CD: 1.26%, 36-Month CD: 1.01%, Savings: 0.55%, MMA: 2.15%

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The Berkshire Bank Rates & Review November 2026

Q: What CD terms does The Berkshire Bank offer?

The Berkshire Bank CD rates are 3.30% APY for a 6 month CD, 3.30% APY for a 9 month CD, 3.30% APY for a 12 month CD, 1.26% APY for an 18 month CD, 1.26% APY for a 2 year CD and 1.01% APY for a 3 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 The Berkshire Bank for its full lineup.

Q: How many branches does The Berkshire Bank operate?

The Berkshire Bank currently maintains approximately 7 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, The Berkshire 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.

Content reviewed by

Brian McKay

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

The Berkshire Bank's 12-Month CD for Personal Accounts rates are at 3.30%, 6-Month CD for Personal Accounts rates are at 3.30%, 9-Month CD for Personal Accounts rates are at 3.30%, CD - 12-Month rates are at 3.30%, CD - 6-Month rates are at 3.30%. The Berkshire Bank's savings rates are at 0.55%. The Berkshire Bank's money market rates are at 2.15%. The Berkshire Bank's checking rates are as high as 0.50%. The Berkshire Bank's top CD rate of 3.30% APY on a 12 month CD is 9% 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 The Berkshire Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.36%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.36%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Berkshire Bank

4 E 39th St
New York, NY 10016

https://www.berkbank.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.

The Berkshire Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
12-Month CD for Personal Accounts	3.25%	3.30%	12 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
12-Month CD for Personal Accounts	3.25%	3.30%	12 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
6-Month CD for Personal Accounts	3.25%	3.30%	6 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
6-Month CD for Personal Accounts	3.25%	3.30%	6 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
9-Month CD for Personal Accounts	3.25%	3.30%	9 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
9-Month CD for Personal Accounts	3.25%	3.30%	9 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Oct 14, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
CD - 12-month	3.25%	3.30%	12 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
CD - 6-month	3.25%	3.30%	6 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
CD - 9-month	3.25%	3.30%	9 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.53% → 3.30% ▲ 0.77 pts · high 3.30% / low 2.53% Oct 20, 20263.30%▲ from 2.53% Sep 19, 20262.53%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
3-Month CD for Personal Accounts	2.00%	2.02%	3 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
3-Month CD for Personal Accounts	2.00%	2.02%	3 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
18-Month CD for Personal Accounts	1.25%	1.26%	18 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
18-Month CD for Personal Accounts	1.25%	1.26%	18 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
24-Month CD for Personal Accounts	1.25%	1.26%	24 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
24-Month CD for Personal Accounts	1.25%	1.26%	24 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
36-Month CD for Personal Accounts	1.00%	1.01%	36 months	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
36-Month CD for Personal Accounts	1.00%	1.01%	36 months	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
1-Month CD for Personal Accounts	0.10%	0.10%	1 month	$10,000
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
1-Month CD for Personal Accounts	0.05%	0.05%	1 month	$10,000
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000.00 - $499,999.99; Interest compounded daily, paid at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

The Berkshire Bank Savings Rates

Product	Rate	APY
Statement Super Savings	0.55%	0.55%
Min Balance $1,000,000 Details Balance: $1,000,000 to $4,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Super Savings	0.55%	0.55%
Min Balance $5,000,000 Details Balance: $5,000,000 to $9,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Super Savings	0.55%	0.55%
Min Balance $10,000,000 Details Balance: $10,000,000 and Above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Super Savings	0.55%	0.55%
Min Balance $2,000,000 Details Balance: $2,000,000 & above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Super Savings	0.50%	0.50%
Min Balance $15,000 Details Balance: $15,000 to $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Super Savings	0.50%	0.50%
Min Balance $25,000 Details Balance: $25,000 to $1,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Blue Ribbon Savings	0.30%	0.30%
Min Balance $1,000,000 Details Balance: $1,000,000 to $3,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Savings	0.25%	0.25%
Min Balance $3,000,000 Details Balance: $3,000,000 and above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Blue Ribbon Savings	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 to $999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Blue Ribbon Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Blue Ribbon Savings	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 to $249,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Blue Ribbon Savings	0.10%	0.10%
Min Balance $4,000,000 Details Balance: $4,000,000 and above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Savings	0.10%	0.10%
Min Balance $300 Details Balance: $300 to $9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 to $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Statement Savings	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000 to $2,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

The Berkshire Bank Money Market Rates

Product	Rate	APY
Gold Money Market	2.125%	2.15%
Min Balance $5,000,000 Details Balance: $5,000,000 to $9,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Gold Money Market	2.00%	2.02%
Min Balance $20,000 Details Balance: $20,000 to $4,999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Gold Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 to $19,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

The Berkshire Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.30%	0.30%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000 to $999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Business Money Market	0.30%	0.30%
Min Deposit $5,000 Min Balance $1,000,000 Details Balance: $1,000,000 & above Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Business Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Business Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Business Money Market	0.20%	0.20%
Min Deposit $5,000 Min Balance $5,000 Details Balance: $5,000 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

The Berkshire Bank Checking Rates

Product	Rate	APY
NOW Checking	0.50%	0.50%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
NOW Checking	0.45%	0.45%
Min Balance $25,000 Details Balance: $25,000 to $999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Super Security Checking	0.25%	0.25%
Min Deposit $100 Min Balance $500 Details Qualifications Required; Balance: $500 and above; Limited to one account per household; Monthly direct deposit from Social Security Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Money Market Checking	0.20%	0.20%
Min Balance $100,000 Details Balance: $100,000 to $999,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
NOW Checking	0.20%	0.20%
Min Balance $1,500 Details Balance: $1,500 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Money Market Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Money Market Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 to $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Money Market Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500 to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
Money Market Checking	0.10%	0.10%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

The Berkshire Bank Other Rates

Product	Rate	Points	APY/APR	Term
15 Year Conforming Fixed	6.00%	0.00	6.119%	15 Year
Details Mortgage; Certain restrictions may apply; 15 year mortgage is based on 180 monthly payments; APR based on an estimated loan Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.12% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
20 Year Conforming Fixed	6.50%	0.00	6.599%	20 Year
Details Mortgage; Certain restrictions may apply; 20 year mortgage is based on 240 monthly payments; APR based on an estimated loan Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.60% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%
30 Year Conforming Fixed	6.75%	0.00	6.827%	30 Year
Details Mortgage; Certain restrictions may apply; 30 year mortgage is based on 360 monthly payments; APR based on an estimated loan Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.83% APR · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.36%

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

The Berkshire Bank’s Texas Ratio rose from 2.35% in Q3 2023 to 14.36% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$530M	14.36%	5.0	A-
March 31, 2026	$542M	13.54%	5.0	A
December 31, 2025	$536M	13.65%	5.0	A
September 30, 2025	$572M	8.36%	5.0	A
June 30, 2025	$574M	8.49%	5.0	A
March 31, 2025	$585M	8.26%	5.0	A
December 31, 2024	$588M	7.81%	5.0	A
September 30, 2024	$590M	7.84%	5.0	A
June 30, 2024	$585M	8.10%	5.0	A
March 31, 2024	$603M	0.00%	5.0	A+
December 31, 2023	$579M	0.00%	5.0	A+
September 30, 2023	$600M	2.35%	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 The Berkshire 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 The Berkshire 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 The Berkshire Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name The Berkshire Bank

Website https://www.berkbank.com

Address 4 E 39th St, New York, NY 10016 · New York

Bank Holding Company BERKSHIRE BCORP INC

FDIC Certificate # 27503

Regulator FDIC

Established May 8, 1989

FDIC Insurance Date May 8, 1989

Domestic Offices 7

Total Branches 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.36%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.5345%

Return on Equity (ROE)

2.2600%

Non-Performing Loans Ratio (NPL)

3.46%

Total Assets

$529,978,000

Total Deposits

$397,509,000

Equity Capital

$127,521,000

Net Income

$1,433,000

Headquarters

New York

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

The Berkshire Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About The Berkshire Bank

Does The Berkshire Bank offer CDs?

Yes. The Berkshire Bank current CD rates include its 12-Month CD for Personal Accounts at 3.30% APY, its 6-Month CD for Personal Accounts at 3.30% APY and its 9-Month CD for Personal Accounts at 3.30% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from The Berkshire Bank FDIC insured?

Yes. The Berkshire 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 The Berkshire Bank?

The highest The Berkshire Bank CD rate is its 12-Month Certificates of Deposit for Personal Accounts at 3.30% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does The Berkshire Bank offer?

The Berkshire Bank CD rates are 3.30% APY for a 6 month CD, 3.30% APY for a 9 month CD, 3.30% APY for a 12 month CD, 1.26% APY for an 18 month CD, 1.26% APY for a 2 year CD and 1.01% APY for a 3 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 The Berkshire Bank for its full lineup.

What is the highest savings rate at The Berkshire Bank?

The highest The Berkshire Bank savings rate is its Statement Super Savings at 0.55% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at The Berkshire Bank?

The highest The Berkshire Bank money market rate is its Gold Money Market at 2.15% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at The Berkshire Bank?

The highest The Berkshire Bank checking rate is its NOW Checking at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does The Berkshire Bank operate?

The Berkshire Bank currently maintains approximately 7 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, The Berkshire 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, The Berkshire Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Berkshire Bank offer online and mobile banking?

Most modern institutions like The Berkshire 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.berkbank.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 The Berkshire Bank rates compare?

The Berkshire Bank's top CD rate of 3.30% APY on a 12 month CD is 9% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A- health rating. The Berkshire Bank's top rates are its 12-Months 12-Month Certificates of Deposit for Personal Accounts at 3.30% APY, its Statement Super Savings at 0.55% APY, its Gold Money Market at 2.15% APY and its NOW Checking at 0.50% APY, verified by MonitorBankRates on November 5, 2026.

Current The Berkshire Bank Rates

12-Month CD3.30%
18-Month CD1.26%
24-Month CD1.26%
36-Month CD1.01%
Savings0.55%
MMA2.15%

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

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The Berkshire Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

The Berkshire Bank Texas Ratio

The Berkshire Bank Health Trend

The Berkshire Bank CD Rates

The Berkshire Bank Savings Rates

The Berkshire Bank Money Market Rates

The Berkshire Bank Business Money Market Rates

The Berkshire Bank Checking Rates

The Berkshire Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

The Berkshire Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About The Berkshire Bank

Does The Berkshire Bank offer CDs?

Are CDs from The Berkshire Bank FDIC insured?

What is the highest CD rate at The Berkshire Bank?

What CD terms does The Berkshire Bank offer?

What is the highest savings rate at The Berkshire Bank?

What is the highest money market rate at The Berkshire Bank?

What is the highest checking rate at The Berkshire Bank?

How many branches does The Berkshire Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Berkshire 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 The Berkshire Bank rates compare?

Current The Berkshire Bank Rates

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