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Torrington Savings Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: November 5, 2026
Torrington Savings Bank's 11-Month CD - Premium rates are at 4.25%, 11-Month CD rates are at 4.15%, 7-Month CD - Premium rates are at 4.10%, 7-Month CD rates are at 4.05%, 15-Month CD rates are at 3.55%. Torrington Savings Bank's savings rates are at 0.75%. Torrington Savings Bank's money market rates are at 2.00%. Torrington Savings Bank's checking rates are as high as 0.05%. Torrington Savings Bank's 7 Year Adjustable Rate Mortgage rates are at 6.00%, 5 Year Adjustable Rate Mortgage rates are at 5.875%. Torrington Savings Bank's Personal Loan Rates are as low as 8.00%. Torrington Savings Bank's top CD rate of 4.25% APY on an 11 month CD is 42% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Torrington Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.61%. Rates last updated and verified on 11/05/2026.
Torrington Savings 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 Torrington Savings Bank? Share your experience about Torrington Savings Bank by leaving a review below, or read customer reviews before you decide to use Torrington Savings Bank.
Torrington Savings Bank has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Torrington Savings Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.61%
ExcellentLower than avg
Torrington Savings Bank Texas Ratio
Torrington Savings Bank's Texas Ratio is 0.61%, which is considered excellent and is lower than the national average of 5.85%.
Torrington Savings Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.88% to 0.61% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Torrington Savings Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
11-Month CD - Premium
4.16%
4.25%
11 months
$10,000
Min Deposit$10,000
DetailsNew money required
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
11-Month CD
4.07%
4.15%
11 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
7-Month CD - Premium
4.02%
4.10%
7 months
$10,000
Min Deposit$10,000
DetailsNew money required
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
7-Month CD
3.97%
4.05%
7 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
15-Month CD
3.49%
3.55%
15 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.55% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 15-Month CD
3.49%
3.55%
15 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.55% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
24-Month CD
3.44%
3.50%
24 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
30-Month CD
3.44%
3.50%
30 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
36-Month CD
3.44%
3.50%
36 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
48-Month CD
3.44%
3.50%
48 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
60-Month CD
3.44%
3.50%
60 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 24-Month CD
3.44%
3.50%
24 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 30-Month CD
3.44%
3.50%
30 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 36-Month CD
3.44%
3.50%
36 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 48-Month CD
3.44%
3.50%
48 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 60-Month CD
3.44%
3.50%
60 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
18-Month CD
3.34%
3.40%
18 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
21-Month Bump Up CD
3.34%
3.40%
21 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.40% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 18-Month CD
3.34%
3.40%
18 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.40% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
12-Month CD
3.05%
3.10%
12 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 3.10% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 12-Month CD
3.05%
3.10%
12 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
9-Month CD
2.96%
3.00%
9 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85%
Oct 20, 20263.00%▲ from 2.85%
Sep 19, 20262.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 9-Month CD
2.96%
3.00%
9 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
6-Month CD
2.91%
2.95%
6 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 3.50% → 2.95% ▼ 0.55 pts · high 3.50% / low 2.95%
Oct 20, 20262.95%▼ from 3.50%
Sep 19, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 6-Month CD
2.91%
2.95%
6 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.95% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
5-Month CD
2.86%
2.90%
5 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 3.00% → 2.90% ▼ 0.10 pts · high 3.00% / low 2.90%
Oct 20, 20262.90%▼ from 3.00%
Sep 19, 20263.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 5-Month CD
2.86%
2.90%
5 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
3-Month CD
2.81%
2.85%
3 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 3.79% → 2.85% ▼ 0.94 pts · high 3.79% / low 2.85%
Oct 20, 20262.85%▼ from 3.79%
Sep 19, 20263.79%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA 3-Month CD
2.81%
2.85%
3 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
13-Month CD
0.25%
0.25%
13 Month
$1,000
Min Deposit$1,000
Last Updated11/05/2026
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: 0.61%
IRA 13-Month CD
0.25%
0.25%
13 Months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Savings Rates
Product
Rate
APY
View More
First Time Savers
5.00%
5.12%
Min Deposit$1
Min Balance$0
DetailsBalance: < $1,000.00
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 5.12% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Journey Savings
0.75%
0.75%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Journey Savings
0.50%
0.50%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated11/05/2026
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: 0.61%
Journey Savings
0.35%
0.35%
Min Deposit$5
Min Balance$10,000
DetailsBalance: $10,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Journey Savings
0.25%
0.25%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 and over
Last Updated11/05/2026
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: 0.61%
Premier Health Savings
0.15%
0.15%
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated11/05/2026
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: 0.61%
First Time Savers
0.10%
0.10%
Min Deposit$1
Min Balance$1,000
DetailsBalance: $1,000.00 and over
Last Updated11/05/2026
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: 0.61%
Premier Health Savings
0.10%
0.10%
Min Balance$5,000
DetailsBalance: $5,000.00 - $24,999.99
Last Updated11/05/2026
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: 0.61%
Build Your Own Club
0.05%
0.05%
Min Deposit$1
Min Balance$0
DetailsBalance: $0.01 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Premier Health Savings
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.01 - $4,999.99
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.50%
0.50%
Min Deposit$5
Min Balance$5
DetailsBalance: $5.00 minimum
Last Updated11/05/2026
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: 0.61%
Torrington Savings Bank Money Market Rates
Product
Rate
APY
View More
IRA Signature Money Market
1.98%
2.00%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: $250,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Signature Money Market
1.98%
2.00%
Min Deposit$2,500
Min Balance$250,000
DetailsBalance: from $250,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 2.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA Signature Money Market
1.24%
1.25%
Min Deposit$2,500
Min Balance$150,000
DetailsBalance: $150,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Signature Money Market
1.24%
1.25%
Min Deposit$2,500
Min Balance$150,000
DetailsBalance: from $150,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA Signature Money Market
1.00%
1.00%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Signature Money Market
1.00%
1.00%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: from $75,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA Signature Money Market
0.50%
0.50%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000.00
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25%
Oct 20, 20260.50%▲ from 0.25%
Sep 19, 20260.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Signature Money Market
0.50%
0.50%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: from $25,000.00
Last Updated11/05/2026
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: 0.61%
IRA Signature Money Market
0.25%
0.25%
Min Deposit$2,500
Min Balance$0
DetailsBalance: < $25,000.00
Last Updated11/05/2026
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: 0.61%
Signature Money Market
0.25%
0.25%
Min Deposit$2,500
Min Balance$0
DetailsBalance: < $25,000.00
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Advantage Money Market
0.15%
0.15%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: from $100,000.00
Last Updated11/05/2026
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: 0.61%
IRA Money Market
0.15%
0.15%
Min Deposit$1,000
Min Balance$100,000
DetailsBalance: $100,000.000
Last Updated11/05/2026
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: 0.61%
Advantage Money Market
0.12%
0.12%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: from $50,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.12% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IRA Money Market
0.12%
0.12%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.12% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Advantage Money Market
0.10%
0.10%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: from $1,000.00
Last Updated11/05/2026
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: 0.61%
IRA Money Market
0.10%
0.10%
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000.00
Last Updated11/05/2026
Rate History
1 change since Sep 19, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.05%
Oct 20, 20260.10%▲ from 0.05%
Sep 19, 20260.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Advantage Money Market
0.05%
0.05%
Min Deposit$1,000
Min Balance$0
DetailsBalance: < $1,000.00
Last Updated11/05/2026
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: 0.61%
IRA Money Market
0.05%
0.05%
Min Deposit$1,000
Min Balance$0
DetailsBalance: < $1,000.00
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
0.60%
0.60%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.60% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Business Money Market
0.20%
0.20%
Min Deposit$100
Min Balance$2,500
DetailsBalance: $2,500.00 (next tier begins at $25,000.00)
Last Updated11/05/2026
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: 0.61%
Business Money Market
0.15%
0.15%
Min Deposit$100
Min Balance$0
DetailsBalance: from $0.01 (next tier begins at $2,500.00)
Last Updated11/05/2026
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: 0.61%
Torrington Savings Bank Checking Rates
Product
Rate
APY
View More
Advantage Checking
0.05%
0.05%
Min Deposit$100
Min Balance$5
DetailsMinimum balance to earn posted APY: $5.00; Interest compounded continuously from the day of deposit to the day of withdrawal and credited monthly; to realize the effective annual yield, principal and interest must remain on deposit for a full year at the original rate
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
7 Year Adjustable Rate Mortgage
6.00%
0
6.809%
7 Year
DetailsRate/APR assumes 20% down payment, purchase transaction, owner occupied, single family/condo, credit score of 700 minimum
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 6.87% → 6.81% ▼ 0.06 pts · high 6.87% / low 6.81%
Nov 5, 20266.81%▼ from 6.87%
Oct 7, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
5 Year Adjustable Rate Mortgage
5.875%
0
6.907%
5 Year
DetailsRate/APR assumes 20% down payment, purchase transaction, owner occupied, single family/condo, credit score of 700 minimum
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 6.96% → 6.91% ▼ 0.05 pts · high 6.96% / low 6.91%
Nov 5, 20266.91%▼ from 6.96%
Oct 7, 20266.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 10 Year
6.50%
-
6.50%
10 years
DetailsEffective Date: October 20, 2026; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Equity Loan - 15 Year
6.875%
-
6.875%
15 years
DetailsEffective Date: October 20, 2026; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 6.88% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Equity Loan - 20 Year
7.125%
-
7.125%
20 years
DetailsEffective Date: October 20, 2026; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 7.13% APR · checked 14 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Equity 100 - 10 Year
9.75%
-
9.75%
100-10 years
DetailsEffective Date: October 20, 2026; Auto-Pay from a Torrington Savings Bank Account is required; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Oct 3, 2026 · 9.75% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Equity 100 - 15 Year
10.125%
-
10.125%
100-15 years
DetailsEffective Date: October 20, 2026; Auto-Pay from a Torrington Savings Bank Account is required; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Oct 3, 2026 · 10.13% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Equity 100 - 20 Year
10.375%
-
10.375%
100-20 years
DetailsEffective Date: October 20, 2026; Auto-Pay from a Torrington Savings Bank Account is required; Loan must be secured by a first or second lien on primary residences
Last Updated11/05/2026
Rate History
No change since Oct 3, 2026 · 10.38% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Personal Loan Rates
Product
APR
Term
View More
Home Improvement Personal Loan
8.00%
60 months
DetailsLoan Amount: Up To $10,000.00; Available to CT residents only
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Improvement Personal Loan
8.00%
120 months
DetailsLoan Amount: Up To $10,000.00; Available to CT residents only
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Improvement Personal Loan
10.00%
60 months
DetailsLoan Amount: $10,000.01-$25,000.00; Available to CT residents only
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 10.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Improvement Personal Loan
10.00%
120 months
DetailsLoan Amount: $10,000.01-$25,000.00; Available to CT residents only
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 10.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Home Improvement Personal Loan
10.00%
180 months
DetailsLoan Amount: $10,000.01-$25,000.00; Available to CT residents only
Last Updated11/05/2026
Rate History
No change since Sep 15, 2026 · 10.00% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Torrington Savings Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Life Loan - 12 Months
10.00%
-
10.00%
12 Months
DetailsAvailable to CT residents only
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Life Loan - 24 Months
10.00%
-
10.00%
24 Months
DetailsAvailable to CT residents only
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Life Loan - 36 Months
10.00%
-
10.00%
36 Months
DetailsAvailable to CT residents only
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Life Loan - 48 Months
10.00%
-
10.00%
48 Months
DetailsAvailable to CT residents only
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 10.00% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
IOREBTA
0.05%
-
0.05%
Min Deposit$0
Min Balance$5
DetailsSpecial Purpose Accounts; Minimum Balance to Earn Posted APY: $5.00
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.61%
Financial Health History
Torrington Savings Bank’s Texas Ratio stayed near 0.88% in Q3 2023 to 0.61% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 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
$1.0B
0.61%
5.0
A+
March 31, 2026
$994M
0.58%
5.0
A+
December 31, 2025
$1.0B
0.61%
5.0
A+
September 30, 2025
$981M
0.85%
5.0
A+
June 30, 2025
$1.0B
0.80%
5.0
A+
March 31, 2025
$995M
0.80%
5.0
A+
December 31, 2024
$978M
0.78%
5.0
A+
September 30, 2024
$959M
0.84%
5.0
A+
June 30, 2024
$933M
0.79%
5.0
A+
March 31, 2024
$933M
0.87%
5.0
A+
December 31, 2023
$917M
0.96%
5.0
A+
September 30, 2023
$909M
0.88%
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 Torrington Savings 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 Torrington Savings 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 Torrington Savings Bank's official website for the most current offers and terms.
Address
129 Main St,
Torrington, CT 06790 · Northwest Hills
FDIC Certificate #16636
RegulatorFDIC
EstablishedAugust 15, 1868
FDIC Insurance DateOctober 22, 1947
Domestic Offices10
Total Branches10
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.61%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6436%
Return on Equity (ROE)
3.5500%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
$1,001,277,000
Total Deposits
$803,162,000
Equity Capital
$183,559,000
Net Income
$3,228,000
Headquarters
Torrington
Total Branches and Offices
10
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Torrington Savings Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Torrington Savings Bank
Frequently Asked Questions About Torrington Savings Bank
Does Torrington Savings Bank offer CDs?
Yes. Torrington Savings Bank current CD rates include its 11-Month CD - Premium at 4.25% APY, its 11-Month CD at 4.15% APY and its 7-Month CD - Premium at 4.10% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Torrington Savings Bank FDIC insured?
Yes. Torrington Savings 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 Torrington Savings Bank?
The highest Torrington Savings Bank CD rate is its 11-Month CD - Premium at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Torrington Savings Bank offer?
Torrington Savings Bank CD rates are 4.10% APY for a 7 month CD, 4.25% APY for an 11 month CD, 0.25% APY for a 12 month CD, 3.55% APY for a 15 month CD, 3.40% APY for an 18 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.50% APY for a 4 year CD and 3.50% APY for a 5 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 Torrington Savings Bank for its full lineup.
What is the highest savings rate at Torrington Savings Bank?
The highest Torrington Savings Bank savings rate is its Journey Savings at 0.75% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Torrington Savings Bank?
The highest Torrington Savings Bank money market rate is its IRA Signature Money Market at 2.00% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Torrington Savings Bank?
The highest Torrington Savings Bank checking rate is its Advantage Checking at 0.05% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest mortgage rate at Torrington Savings Bank?
The lowest Torrington Savings Bank mortgage rate is its 5 Year Adjustable Rate Mortgage at 5.875%, verified by MonitorBankRates as of November 5, 2026. Torrington Savings Bank mortgage rates are 6.00% for a 7 year mortgage and 5.875% for a 5 year mortgage.
What is the lowest personal loan rate at Torrington Savings Bank?
The lowest Torrington Savings Bank personal loan rate is its Home Improvement Personal Loan at 8.00%, verified by MonitorBankRates as of November 5, 2026.
How many branches does Torrington Savings Bank operate?
Torrington Savings Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Torrington Savings 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, Torrington Savings Bank provides members with tools to manage their accounts and build a solid financial history.
Does Torrington Savings Bank offer online and mobile banking?
Most modern institutions like Torrington Savings 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.torringtonsavings.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 Torrington Savings Bank rates compare?
Torrington Savings Bank's top CD rate of 4.25% APY on an 11 month CD is 42% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A+ health rating. Torrington Savings Bank's top rates are its 11-Months 11-Month CD - Premium at 4.25% APY, its Journey Savings at 0.75% APY, its IRA Signature Money Market at 2.00% APY, its Advantage Checking at 0.05% APY, its 5 Year Adjustable Rate Mortgage at 5.875% and its Home Improvement Personal Loan at 8.00% APR, verified by MonitorBankRates on November 5, 2026.
Current Torrington Savings Bank Rates
12-Month CD0.25%
18-Month CD3.40%
24-Month CD3.50%
36-Month CD3.50%
48-Month CD3.50%
60-Month CD3.50%
Savings0.75%
MMA2.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
