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 56^th largest bank in the state of New York. It is also the 886^th largest bank in the nation. It was established in 1860 and as of December of 2018, it had grown to 163 employees at 15 locations. Rhinebeck Bank's CD rates are 79% higher than the national average, and it has an A health rating.

Rhinebeck Bank (NY) Unveils 14-Month CD Special (2.95% APY) - 1/28/2019

Rhinebeck Bank (Hudson Valley area, New York) has added a 14-month CD Special (2.95% APY). Minimum deposit is $2k, with no stated balance cap.

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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 Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	16032
Year Established	1860
Employees	163
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.57%
Return on Equity - YTD	7.54%
Annual Interest Income	$33.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$882.3MM$741.9MM
Loans	Q4 2018vs Q4 2017	$678.4MM$566.2MM
Deposits	Q4 2018vs Q4 2017	$693.0MM$659.8MM
Equity Capital	Q4 2018vs Q4 2017	$69.3MM$58.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$6.6MM$5.5MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$5.7MM$9.3MM
Real Estate Owned	Q4 2018vs Q4 2017	$1.7MM$2.2MM

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
0.50%^*	$500k^*	-	Priority Savings
OTHER TIERS: 0.25% → Up to $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.40% → $100k - $250k \| 0.45% → $250k - $500k
0.50%^*	$500k^*	-	Business Savings
OTHER TIERS: 0.25% → Up to $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.40% → $100k - $250k \| 0.45% → $250k - $500k
0.35%	-	-	Statement Savings 1st Home Club

Rhinebeck Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%^*	$1m^*	-	Priority Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.45% → $100k - $250k \| 0.55% → $250k - $500k \| 0.60% → $500k - $1m
0.65%^*	$1m^*	-	Priority Business Money Market
OTHER TIERS: 0.20% → Up to $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k \| 0.45% → $100k - $250k \| 0.55% → $250k - $500k \| 0.60% → $500k - $1m

Rhinebeck Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$1m^*	-	Community 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
0.50%^*	$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%^*	$500k^*	-	Priority Elite Checking
OTHER TIERS: 0.20% → Up to $10k \| 0.22% → $10k - $50k \| 0.25% → $50k - $100k \| 0.30% → $100k - $250k \| 0.35% → $250k - $500k

Rhinebeck Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.95%	$2k	-	14 Month CD Special
2.80%	$2k	-	18 Month CD Special
2.64%	$2k	-	13 Month CD Special
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%	$2k	-	2 Year CD
1.97%^*	$10k^*	-	3 Year CD
OTHER TIERS: 1.71% → $2k - $10k
1.61%	$2k	-	1 Year CD
1.00%	$2k	-	6 Month CD
0.25%	$2k	-	3 Month CD

Rhinebeck Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.95%	$2k	-	14 Month IRA Special
2.80%	$2k	-	18 Month IRA Special
2.64%	$2k	-	13 Month IRA Special
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%	$2k	-	2 Year IRA
1.97%^*	$10k^*	-	3 Year IRA
OTHER TIERS: 1.71% → $2k - $10k
1.61%	$2k	-	1 Year IRA
1.00%	$2k	-	6 Month IRA
0.25%	$2k	-	3 Month IRA

Locations

Availability

New York Area

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