Rhinebeck Bank is an FDIC insured institution headquartered at
6414 Montgomery St, Rhinebeck, NY 12572.
Deposit Rates -
July 25, 2025
SAVINGS RATES
APY
MIN
Savings
0.15% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.40% $10,000
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6 Mo CD
0.40% $100,000
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12 Mo CD
0.75% $10,000
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12 Mo CD
0.75% $100,000
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18 Mo CD
0.85% $10,000
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18 Mo CD
0.85% $100,000
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24 Mo CD
1.00% $10,000
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24 Mo CD
1.00% $100,000
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36 Mo CD
1.05% $10,000
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36 Mo CD
1.05% $100,000
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48 Mo CD
1.10% $10,000
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48 Mo CD
1.10% $100,000
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60 Mo CD
1.15% $10,000
Compare
60 Mo CD
1.15% $100,000
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MM RATES
APY
MIN
Money Market
0.10% $2,500
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Money Market
0.20% $10,000
Compare
Money Market
0.20% $25,000
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INT CHECKING RATES
APY
MIN
Int Ckg
0.10% $1
Int Ckg
0.10% $2,500
Loan Rates -
July 25, 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
$ 1,255.69 million
Loans
$ 976.50 million
Deposits
$ 1,050.48 million
Capital
$ 122.57 million
Summary Balance Sheet as of December 31, 2024
ASSETS
Cash & Balances due from depository institutions
$ 50.52 million
Interest-bearing balances
$ 28.32 million
Total securities
$ 144.87 million
Federal funds sold and reverse repurchase
N.A.
Net loans and leases
$ 976.50 million
Loan loss allowance
$ 8.41 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 3.88 million
All other assets
$ 48.11 million
Total Assets $ 1,133.12 million
LIABILITIES
Total deposits
$ 1,050.48 million
Interest-bearing deposits
$ 812.24 million
Deposits held in domestic offices
$ 1,050.48 million
% insured (estimated)" 72.30%
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 $ 1,133.12 million
Shareholders’ Equity $ 122.57 million
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES
Total Interest Income
$ 16.63 million
Total Interest Expense
$ 5.56 million
Net interest income
$ 11.07 million
Provision for loan and lease losses
$ 0.35 million
Total non interest income
$ 1.74 million
Total non interest expense
$ 9.22 million
Pre-tax Net Operating Income
$ 5.70 million
Customer Reviews for Rhinebeck Bank
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