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Rhinebeck Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.rhinebeckbank.com
845-454-8555
6414 Montgomery Street
Rhinebeck, NY 12572

Rhinebeck Bank is headquartered in RHINEBECK and is the 49th largest bank in the state of New York. It is also the 856th largest bank in the nation. It was established in 1860 and as of March of 2025, it had grown to 164 employees at 17 locations. Rhinebeck Bank's money market rates are 7X the national average, and it has an A health rating.

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #16032
Year Established1860
Employees164
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.67%
Annual Interest Income$16.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.26B$1.3B
LoansQ1 2025vs Q1 2024$976.5MM$993.3MM
DepositsQ1 2025vs Q1 2024$1.05B$1.05B
Equity CapitalQ1 2025vs Q1 2024$122.6MM$110.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.4MM$8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.6MM$4.7MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/3/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$0$100kPremier Savings
OTHER TIERS: 0.50% → $100k+
0.45%*$250k*-Business Savings
OTHER TIERS: 0.20% → $0 - $10k | 0.30% → $10k - $50k | 0.35% → $50k - $100k | 0.40% → $100k - $250k
0.45%*$250k*-Classic Savings
OTHER TIERS: 0.20% → $0 - $10k | 0.30% → $10k - $50k | 0.35% → $50k - $100k | 0.40% → $100k - $250k

Rhinebeck Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.98%*$10m*-Business Money Market
OTHER TIERS: 0.62% → $0 - $100k | 1.00% → $100k - $500k | 1.18% → $500k - $1m | 1.63% → $1m - $2m | 2.08% → $2m - $5m | 2.31% → $5m - $10m
2.98%*$10m*-Money Market
OTHER TIERS: 0.62% → $0 - $100k | 1.00% → $100k - $500k | 1.18% → $500k - $1m | 1.63% → $1m - $2m | 2.08% → $2m - $5m | 2.31% → $5m - $10m

Rhinebeck Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$10kHigh Interest Checking
OTHER TIERS: 0.50% → $10k+
0.20%*$500k*-Community Checking
OTHER TIERS: 0.05% → $0 - $10k | 0.08% → $10k - $50k | 0.10% → $50k - $100k | 0.12% → $100k - $250k | 0.15% → $250k - $500k
0.20%*$500k*-IOLA Checking
OTHER TIERS: 0.05% → $0 - $10k | 0.08% → $10k - $50k | 0.10% → $50k - $100k | 0.12% → $100k - $250k | 0.15% → $250k - $500k

Rhinebeck Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$2k-13 Month CD Special
4.00%$2k-9 Month CD Special
3.74%$2k-2 Year CD Special
2.27%$2k-12 Month CD
2.27%$2k-Business 12 Month CD
2.02%$2k-18 Month CD
2.02%$2k-Business 18 Month CD
1.89%$2k-3 Year CD
1.89%$2k-4 Year CD
1.89%$2k-5 Year CD
1.89%$2k-Business 3 Year CD
1.89%$2k-Business 4 Year CD
1.89%$2k-Business 5 Year CD
1.61%$2k-3 Month CD
1.61%$2k-6 Month CD
1.61%$2k-Business 3 Month CD
1.61%$2k-Business 6 Month CD
Locations

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