Rhinebeck Bank

Overview / Commentary

www.rhinebeckbank.com

845-876-1860

6414 Montgomery Street
Rhinebeck, NY 12572

Rhinebeck Bank is headquartered in Rhinebeck and is the 54^th largest bank in the state of New York. It is also the 854^th largest bank in the nation. It was established in 1860 and as of September of 2019, it had grown to 164 employees at 15 locations. Rhinebeck Bank's CD rates are 2X the national average, and it has an A health rating.

View all posts from:

2019
2017

1/28 - Rhinebeck Bank (NY) Unveils 14-Month CD Special (2.95% APY)

11/9 - Rhinebeck Bank (NY) Adds 49-Month CD

Reviews (1)

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NO ON Line Accounts. Only In Local Branch

Posted by: yahooeu | Apr 19, 2019

NO ON line accounts. Only in local branch

Comment

Health

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	16032
Year Established	1860
Employees	164
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.71%
Return on Equity - YTD	7.16%
Annual Interest Income	$30.3MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$945.9MM$819.6MM
Loans	Q3 2019vs Q3 2018	$759.0MM$652.1MM
Deposits	Q3 2019vs Q3 2018	$788.6MM$697.9MM
Equity Capital	Q3 2019vs Q3 2018	$99.9MM$60.2MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$7.9MM$6.3MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$8.8MM$8.5MM
Real Estate Owned	Q3 2019vs Q3 2018	$1.5MM$1.7MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Rhinebeck Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%^*	$500k^*	-	Priority Savings
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k \| 0.30% → $100k - $250k \| 0.35% → $250k - $500k
0.40%^*	$500k^*	-	Business Savings
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k \| 0.30% → $100k - $250k \| 0.35% → $250k - $500k

Rhinebeck Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%^*	$1m^*	-	Priority Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k \| 0.45% → $250k - $500k \| 0.50% → $500k - $1m
0.55%^*	$1m^*	-	Priority Business Money Market
OTHER TIERS: 0.10% → Up to $10k \| 0.20% → $10k - $50k \| 0.25% → $50k - $100k \| 0.35% → $100k - $250k \| 0.45% → $250k - $500k \| 0.50% → $500k - $1m

Rhinebeck Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$1m^*	-	IOLA Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $250k \| 0.35% → $250k - $500k \| 0.45% → $500k - $1m
0.40%^*	$1m^*	-	Community Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.12% → $10k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k \| 0.30% → $500k - $1m
0.30%^*	$500k^*	-	Priority Elite Checking
OTHER TIERS: 0.10% → Up to $10k \| 0.12% → $10k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k \| 0.25% → $250k - $500k

Rhinebeck Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	5 Year CD
OTHER TIERS: 2.02% → $2k - $10k
2.02%^*	$10k^*	-	4 Year CD
OTHER TIERS: 1.76% → $2k - $10k
1.97%^*	$10k^*	-	3 Year CD
OTHER TIERS: 1.71% → $2k - $10k
1.85%	$2k	-	1 Year CD
1.80%	$2k	-	18 Month CD
1.60%^*	$10k^*	-	2 Year CD
OTHER TIERS: 1.35% → $2k - $10k
1.25%	$2k	-	6 Month CD
0.25%	$2k	-	3 Month CD

Rhinebeck Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.27%^*	$10k^*	-	5 Year IRA
OTHER TIERS: 2.02% → $2k - $10k
2.02%^*	$10k^*	-	4 Year IRA
OTHER TIERS: 1.76% → $2k - $10k
1.97%^*	$10k^*	-	3 Year IRA
OTHER TIERS: 1.71% → $2k - $10k
1.85%	$2k	-	1 Year IRA
1.80%	$2k	-	18 Month IRA
1.60%^*	$10k^*	-	2 Year IRA
OTHER TIERS: 1.35% → $2k - $10k
1.25%	$2k	-	6 Month IRA
0.25%	$2k	-	3 Month IRA

Locations

Availability

New York Area

New York Area bank & credit union details

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