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Advertiser Disclosure
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 FNB of Groton Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
FNB of Groton's 4-Months 4-Month Special rates are at 3.25%, 7-Months 7-Month Special rates are at 3.00%, 13-Months 13-Month Special rates are at 2.75%, 60-Months 60-Month CD rates are at 1.11%, 48-Months 48-Month CD rates are at 1.06%. FNB of Groton's savings rates are at 0.05%. FNB of Groton's money market rates are at 0.05%. FNB of Groton's Personal Loan Rates are at 6.99%. 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 10.31%. Rates last updated and verified on 08/28/2026. 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. 
FNB of Groton CD Rates
FNB of Groton Savings Rates
FNB of Groton Money Market Rates
FNB of Groton Checking Rates
FNB of Groton Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
05/01/1865
FDIC Insurance Date
01/01/1934
Domestic Offices
2
Total Branches
2
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
10.31%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9297%
Return on Equity (ROE)
9.0100%
Non-Performing Loans (NPL)
1.07%
Total Assets
$202,559,000
Total Deposits
$173,890,000
Equity Capital
$27,298,000
Net Income
$2,626,000
Headquarters
Groton
Total Branches and Offices
2
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Add Your Rating and Review for FNB of Groton
Frequently Asked Questions About FNB of GrotonHow 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. Current FNB of Groton Rates
Retrieved from our database of financial products. Rates subject to change.
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