What are the current interest rates at FNB of Groton?

Current rates for FNB of Groton include: 12-Month CD: 0.50%, 18-Month CD: 0.70%, 24-Month CD: 0.80%, 36-Month CD: 1.00%, 48-Month CD: 1.06%, 60-Month CD: 1.11%, Savings: 0.75%, MMA: 0.30%

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FNB of Groton

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FNB of Groton Rates & Review October 2026

Q: How many branches does FNB of Groton operate?

FNB of Groton currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, FNB of Groton 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, FNB of Groton provides members with tools to manage their accounts and build a solid financial history.

Q: Does FNB of Groton offer online and mobile banking?

Most modern institutions like FNB of Groton 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.grotonbank.com.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

FNB of Groton's top rates as of October 11, 2026 are 3.75% APY on its 25-Month CD special, 0.75% APY on savings, 0.30% APY on money market accounts, 2.00% APY on checking, and rv, boat and powersport loans from 6.75% APR, according to rates verified by MonitorBankRates. Other FNB of Groton CD rates include 35-Month Certificate Special at 3.75%, 13-Month CD special at 3.50%, and 13-Month Certificate Special at 3.50%. MonitorBankRates evaluates the financial stability of FNB of Groton with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.59%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.59%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Groton

159 Main St
Groton, NY 13073

https://www.grotonbank.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.

FNB of Groton CD Rates

Product	Rate	APY	Term
25 month CD special	-	3.75%	25 month
Details Special rate Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
35 Month Certificate Special	3.68%	3.75%	35 Month
Min Deposit $2,500 Min Balance $2,500 Details **** Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
13 month CD special	-	3.50%	13 month
Details Special rate Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
13 Month Certificate Special	3.44%	3.50%	13 Month
Min Deposit $2,500 Min Balance $2,500 Details **** Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
7 Month Certificate Special	3.20%	3.25%	7 Month
Min Deposit $2,500 Min Balance $2,500 Details **** Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
4 Month Certificate Special	2.96%	3.00%	4 Month
Min Deposit $2,500 Min Balance $2,500 Details **** Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60 Month CD	1.10%	1.11%	60 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.11% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48 Month CD	1.05%	1.06%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36 Month CD	1.00%	1.00%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30 Month CD	0.90%	0.90%	30 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24 Month CD	0.80%	0.80%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1 Year-Renewal Once	0.70%	0.70%	1 Year
Min Deposit $10,000 Min Balance $10,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18 Month CD	0.70%	0.70%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12 Month CD	0.65%	0.65%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
6 Month CD	0.55%	0.55%	6 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1 Year Starter CD	0.50%	0.50%	1 year
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
3 Month CD	0.45%	0.45%	3 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1 Month CD	0.35%	0.35%	1 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Groton Savings Rates

Product	Rate	APY
First Choice Savings	0.75%	0.75%
Min Deposit $0 Min Balance $0 Details Balance: $0 to $20,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Basic Savings	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Club Savings	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Youth Savings - 18	0.05%	0.05%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Groton Money Market Rates

Product	Rate	APY
Money Market Accounts	0.30%	0.30%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Money Market Accounts	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Money Market Accounts	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Money Market Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Money Market Accounts	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Groton Checking Rates

Product	Rate	APY
First Choice Interest Checking	1.98%	2.00%
Min Deposit $0 Min Balance $0 Details Balance: $0 to $10,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Free First Choice Interest Checking	1.982%	2.00%
Min Balance $0 Details Qualifications Required: 15 debit card purchases, each $7 or greater; 1 direct deposit or ACH credit transaction post and settle; enrolled in and agree to receive eStatements; Balance: up to $10,000.00; APYs are accurate as of 02/01/2021. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Free First Choice Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Qualifications Required: 15 debit card purchases, each $7 or greater; 1 direct deposit or ACH credit transaction post and settle; enrolled in and agree to receive eStatements; Balance: over $10,000.00; APYs are accurate as of 02/01/2021. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
First Choice Interest Checking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details All balances if qualifications not met Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Free First Choice Interest Checking	0.05%	0.05%
Details When qualifications are not met, the interest rate earned on the account's entire daily balance will be .05% resulting in an annual percentage yield of .05%. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Money Market Checking	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Groton Auto Loan Rates

Product	Rate	Points	APR
Vehicles and Motorcycles Loan	-	-	6.75%
Details Published APR range: 6.75% to 7.95%. Credit Score: 750+ Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2020 to 2022 Loan	-	-	6.99%
Details Published APR range: 6.99% - 8.74%. depending on term Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles Loan	-	-	7.00%
Details Published APR range: 7.00% to 8.20%. Credit Score: 700-749 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2020 to 2022 Loan	-	-	7.24%
Details Published APR range: 7.24% - 8.99%. depending on term Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2019 & prior Loan	-	-	7.99%
Details Additional APR listed for this product: 8.24%, 11.24%, 14.74%, 16.00%. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles Loan	-	-	8.00%
Details Published APR range: 8.00% to 9.20%. Credit Score: 650-699 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 8.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2020 to 2022 Loan	-	-	8.24%
Details Published APR range: 8.24% - 9.99%. depending on term Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles Loan	-	-	10.75%
Details Published APR range: 10.75% to 11.95%. Credit Score: 600-649 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 10.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2020 to 2022 Loan	-	-	11.49%
Details Published APR range: 11.49% - 13.24%. depending on term Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles Loan	-	-	11.75%
Details Published APR range: 11.75% to 12.95%. Credit Score: <600 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 11.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Vehicles and Motorcycles - 2020 to 2022 Loan	-	-	12.49%
Details Published APR range: 12.49% - 14.24%. depending on term Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 12.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Groton Other Rates

Product	Rate	Points	APY/APR	Term	View More
Variable IRA	0.55%	-	0.55%
Min Deposit $250 Min Balance $250 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

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

FNB of Groton’s Texas Ratio fell from 10.31% in Q3 2023 to 7.59% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$204M	7.59%	5.0	A
March 31, 2026	$212M	5.95%	5.0	A+
December 31, 2025	$203M	7.28%	5.0	A
September 30, 2025	$201M	6.73%	5.0	A
June 30, 2025	$197M	4.87%	5.0	A+
March 31, 2025	$209M	5.15%	5.0	A+
December 31, 2024	$199M	6.83%	5.0	A
September 30, 2024	$196M	9.52%	5.0	A
June 30, 2024	$197M	8.21%	5.0	A
March 31, 2024	$203M	8.50%	5.0	A
December 31, 2023	$202M	9.40%	5.0	A
September 30, 2023	$208M	10.31%	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 FNB of Groton 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 FNB of Groton 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 FNB of Groton's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Groton

FDIC Certificate # 7085

Address 159 Main St, Groton, NY 13073 · Tompkins

Website https://www.grotonbank.com

Established 18650501

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.59%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2981%

Return on Equity (ROE) 9.7700%

Non-Performing Loans (NPL) 0.84%

Total Assets $203,883,000

Total Deposits $175,143,000

Equity Capital $27,533,000

Net Income $1,339,000

Headquarters Groton

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

FNB of Groton earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Frequently Asked Questions About FNB of Groton

How many branches does FNB of Groton operate?

FNB of Groton currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, FNB of Groton 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, FNB of Groton provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Groton offer online and mobile banking?

Most modern institutions like FNB of Groton 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.grotonbank.com.