Rhinebeck Bank is an FDIC insured institution headquartered at
6414 Montgomery St, Rhinebeck, NY 12572.
Deposit Rates -
October 17, 2025
SAVINGS RATES
APY
MIN
Savings
0.15% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.40% $10,000
Compare
6 Mo CD
0.40% $100,000
Compare
12 Mo CD
0.75% $10,000
Compare
12 Mo CD
0.75% $100,000
Compare
18 Mo CD
0.85% $10,000
Compare
18 Mo CD
0.85% $100,000
Compare
24 Mo CD
1.00% $10,000
Compare
24 Mo CD
1.00% $100,000
Compare
36 Mo CD
1.05% $10,000
Compare
36 Mo CD
1.05% $100,000
Compare
48 Mo CD
1.10% $10,000
Compare
48 Mo CD
1.10% $100,000
Compare
60 Mo CD
1.15% $10,000
Compare
60 Mo CD
1.15% $100,000
Compare
MM RATES
APY
MIN
Money Market
0.10% $2,500
Compare
Money Market
0.20% $10,000
Compare
Money Market
0.20% $25,000
Compare
INT CHECKING RATES
APY
MIN
Int Ckg
0.10% $1
Int Ckg
0.10% $2,500
Loan Rates -
October 17, 2025
MORTGAGE PURCHASE
APR(%)
MONTHLY PAYMENT
7 Year Adjustable Conforming
7.32%
$2,022.62
10 Year Adjustable Conforming
7.19%
$2,050.05
15 Year Fixed Jumbo
6.65%
$2,810.46
15 Year Fixed Conforming
6.68%
$2,810.46
20 Year Fixed Conforming
6.92%
$2,457.96
20 Year Fixed Jumbo
6.92%
$2,457.96
30 Year Fixed Conforming
7.03%
$2,128.97
30 Year Fixed Jumbo
7.03%
$2,128.97
MORTGAGE REFINANCE
APR(%)
MONTHLY PAYMENT
7 Year Adjustable Conforming
7.32%
$2,022.62
10 Year Adjustable Conforming
7.19%
$2,050.05
15 Year Fixed Jumbo
6.65%
$2,810.46
15 Year Fixed Conforming
6.68%
$2,810.46
20 Year Fixed Conforming
6.92%
$2,457.96
20 Year Fixed Jumbo
6.92%
$2,457.96
30 Year Fixed Conforming
7.03%
$2,128.97
30 Year Fixed Jumbo
7.03%
$2,128.97
AUTO LOAN RATES
APR(%)
MONTHLY PAYMENT
3 Year
4.04%
$738.54
Overview 2025
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 16032
Date Established
1860
Assets
$ 1,274.05 million
Loans
$ 960.80 million
Deposits
$ 1,092.03 million
Capital
$ 125.98 million
Summary Balance Sheet as of June 30, 2025
ASSETS
Cash & Balances due from depository institutions
$ 89.62 million
Interest-bearing balances
$ 69.00 million
Total securities
$ 141.34 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 960.80 million
Loan loss allowance
$ 8.23 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 3.78 million
All other assets
$ 48.11 million
Total Assets $ 1,148.07 million
LIABILITIES
Total deposits
$ 1,092.03 million
Interest-bearing deposits
$ 852.00 million
Deposits held in domestic offices
$ 1,092.03 million
% insured (estimated)" 72.39%
Federal funds purchased and repurchase agreements
N.A.
Trading liabilities
N.A.
Other borrowed funds
$ 23.81 million
Subordinated debt
N.A.
All other liabilities
$ 24.37 millionn
Total Liabilities $ 1,148.07 million
Shareholders’ Equity $ 125.98 million
Summary Income Statement as of June 30, 2025
INCOME AND EXPENSES
Total Interest Income
$ 33.38 million
Total Interest Expense
$ 10.79 million
Net interest income
$ 22.60 million
Provision for loan and lease losses
$ 0.25 million
Total non interest income
$ 3.34 million
Total non interest expense
$ 18.59 million
Pre-tax Net Operating Income
$ 5.70 million
Customer Reviews for Rhinebeck Bank
Branches
Click on location and enter new zip number to change." New York City, NY
There are currently no comments for Rhinebeck Bank. Be the first to share your experience. Please provide comments that will help others.