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Looking for mortgage rates? Call us at 585.427.9200 or email to contact a Mortgage Originator about today's best rates.

 

 

 Personal Checking Accounts

 

 Interest RateAPY1Min. Bal. to Obtain APY
College Checking (ages 17 - 24) 0.10% 0.10% $502
NOW Checking 0.10% 0.10% $1,0002
Elite Checking3$0 - $9,999 0.10% 0.10% $0
Elite Checking3, $10,000 - $49,999 0.25% 0.25% $10,000
Elite Checking3, $50,000 - $99,999 0.45% 0.45% $50,000
Elite Checking3, $100,000+ 0.60% 0.60% $100,000

1Annual Percentage Yield (APY) offered is accurate as of 12/21/15. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening.

2Minimum balance requirement is waived with direct deposit.

3Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Contact GRB for more information.

 

 

 Business Checking Accounts

 

 Interest RateAPY1Min. Bal. to Obtain APY
Business Checking with Interest 0.10% 0.10% $2,500

1Annual Percentage Yield (APY) offered is accurate as of 12/21/15. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $100 is the minimum to open a Business Checking account. 

 

 

 Savings Accounts

 

 Interest RateAPY1Min. Bal. to Obtain APY
Statement 0.10% 0.10% $100
Statement Junior 0.10% 0.10% $25

1Annual Percentage Yield (APY) offered is accurate as of 12/21/15. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $25 is the minimum to open a Statement Savings account.

 

 

 Money Market Accounts

 

 Average Monthly BalanceInterest RateAPY1Min. Bal. to Obtain APY
$2,500 - $9,999.99 0.10% 0.10% $2,500
$10,000 - $24,999.99 0.15% 0.15% $10,000
$25,000 - $49,999.99 0.25% 0.25% $25,000
$50,000+ 0.55% 0.55% $50,000
Elite Money Market2, all balances 0.70% 0.70% $0

1Annual Percentage Yield (APY) offered is accurate as of 12/21/15. Fees could reduce earnings on the account. Rates and terms may change without notice after account opening. $2,500 is the minimum to open a regular Money Market account.

2Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Contact GRB for more information.

 

 

 CDs

 

cds

1Annual Percentage Yield (APY) offered is accurate as of 12/21/15. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal. Rates and terms may change without notice after account opening. Prime = Wall Street Journal Prime Rate, which is 3.50% as of 12/21/15.

2A higher rate is given during the initial term of CDs with direct deposit of payroll or retirement income into a GRB account.

3Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Contact GRB for more information.

 

 

 Health Savings Accounts

 

 Daily BalanceInterest RateAnnual Percentage Yield (APY)
$0 - $2,499.99 0.10% 0.10%
$2,500 - $4,999.99 0.10% 0.10%
$5,000 - $9,999.99 0.15% 0.15%
$10,000 - $24,999.99 0.20% 0.20%
$25,000+ 0.25% 0.25%

All interest rates and product terms are effective 12/21/15 and are subject to change without notice after account opening. Fees could reduce earnings on these accounts.

 

 

 Personal Loans

 

Consumer loan chart 3 6 15 2

*APR = Annual Percentage Rate. The APRs shown are current as of 12/21/15 and are available to customers who have the credit scores required by GRB for its best rate. Higher APRs are available to customers who do not meet this criteria. All rate and terms are subject to credit qualification. Rates are subject to change without notice.

Examples of monthly payments for various types of loans are as follows. The monthly payment for an auto loan of $20,000 with an APR of 5.00% repayable in 60 months would be $377.42. The monthly payment for an unsecured personal loan of $10,000 with an APR of 11.00% repayable in 36 months would be $327.39. The monthly payment for a home improvement loan of $10,000 with an APR of 8.75% repayable in 60 months would be $206.37.

**A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

‡Personal secured loans can be secured with GRB deposits or marketable securities. Rate is fixed at Wall Street Journal Prime + 2.00% as of the closing date. With a deposit relationship, rate is fixed at WSJ Prime + 1.00%. Both rates have floors of 4.00% and ceilings of 15.00%. The WSJ Prime rate is 3.50% as of 12/21/15.

 

 

 Personal Lines of Credit

 

consumer line chart 3 6 15 2

*APR = Annual Percentage Rate. The APRs shown are current as of 12/21/15 and are available to customers who have the credit scores required by GRB for its best rate. Higher APRs are available to customers who do not meet this criteria. All rates and terms are subject to credit qualification. Rates are subject to change without notice.

**A Deposit Relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

‡Personal secured lines can be secured with GRB deposits or marketable securities. Rate is variable at Wall Street Journal Prime + 2.00%. With a deposit relationship, rate is variable at WSJ Prime + 1.00%. Both rates have floors of 4.00% and ceilings of 15.00%. The WSJ Prime rate is 3.50% as of 12/21/15.

^For personal unsecured lines under $52,999, rate is variable at WSJ Prime + 4.00%. With a deposit relationship, rate is variable at WSJ Prime + 3.00%. For unsecured lines over $53,000, rate is variable at WSJ Prime + 3.00%; with a deposit relationship, this rate is WSJ Prime + 2.00%. All unsecured lines of credit have a floor of 6.00% and a ceiling of 15.00%.

 

 

 Home Equity Lines of Credit

 

Loan Size0% - 80.00% Loan to Value APR*0% - 80.00% Loan to Value APR *w/ Deposit Relationship**80.01% to 85.00% Loan to ValueAPR*80.01% - 85.00%Loan to Value APR*w/ Deposit Relationship**
Up to $49,999.99 Prime + 1.50% Prime + 0.50% Prime + 2.50% Prime + 1.50%
$50,000 and up Prime + 1.25% Prime + 0.25% Prime + 2.25% Prime + 1.25%

*APR = Annual Percentage Rate. The APRs shown are current as of 12/21/15 and are available to a customer who has the credit score required by GRB for its best rate, whose loan or line of credit meets any applicable loan-to- value requirement and, in the case of a home equity loan or line of credit, whose loan or line of credit is secured by the customer’s primary residence. Higher APRs are available to customers who do not meet these criteria. All rates and terms are subject to credit qualification. GRB Home Equity Line of Credit minimum rate is 4.00% and maximum rate is 15.00%. Rates are subject to change without notice.

**A deposit relationship is defined as having payments auto-deducted from a GRB deposit account or direct deposit of income into a GRB deposit account.

 

Closing costs are estimated at $305.00 - $1063.00, but may be higher or lower depending on the final approval of the borrower’s credit limit amount. GRB will pay for all closing costs up to $2,500.00. If the home equity line of credit is closed within the first 36 months, the borrower will be required to reimburse GRB for closing costs paid. GRB reserves the right to charge the borrower all closing costs under certain circumstances.