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Here.
For You.

GRB provides support for businesses and individuals throughout the local community with commercial banking, home mortgage and personal services.

Here.
For You.

GRB advocates for business owners to help strengthen their enterprises and grow their workforce here at home.

Here.
For You.

GRB's local knowledge, competitive lending options and superior service help buyers purchase homes, deepening the roots of our community.

Here.
For You.

GRB offers competitive rates and personal banking services to support every stage of your life.

Here.
For You.

GRB blends personal service and technology solutions for banking tailored to meet your needs.

Here.
For You.

GRB supports businesses and individuals throughout the local community with business banking, home mortgage and personal services. 

Here.
For You.

GRB advocates for business owners to help strengthen their enterprises and grow their workforce here at home.

Here.
For You.

GRB's local knowledge, competitive lending options and superior service help buyers purchase homes, strengthening the roots of our community.

Here.
For You.

GRB blends personal service and technology solutions for banking tailored to meet your needs.

Here.
For You.

GRB offers competitive rates and personal banking services to support every stage of your life.

GRB offers a wide range of products and services.  Please Contact Us if you have any questions or wish to apply for a loan or open an account.

Personal Checking Account Rates

Account TypeInterest Rate APY1Minimum Balance 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 5/16/17. 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

Account TypeInterest RateAPY1Minimum Balance to Maintain
Business Checking with Interest  0.10% 0.10% $2,500
1Annual Percentage Yield (APY) offered is accurate as of 5/16/17. 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

Account TypeInterest RateAPY1Minimum Balance to Maintain
Statement 0.15% 0.15% $100
Statement Junior 0.15% 0.15% $25
1Annual Percentage Yield (APY) offered is accurate as of 5/16/17. 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.

Personal Money Market Accounts 

Average Monthly BalanceInterest Rate APY1Min. Bal. to Obtain APY 
$2,500-$9,999 0.10% 0.10% $2,500
$10,000-$24,999.99 0.20% 0.20% $10,000
$25,000-$49,999.99 0.35% 0.35% $25,000
$50,000+ 0.65% 0.65% $50,000
Elite Money Market2, all balances 0.80% 0.80% $0
1Annual Percentage Yield (APY) offered is accurate as of 5/16/17. 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.

Business Money Market Accounts 

Average Monthly BalanceInterest Rate APY1Min. Bal. to Obtain APY 
$2,500-$9,999 0.10% 0.10% $2,500
$10,000-$24,999.99 0.20% 0.20% $10,000
$25,000-$49,999.99 0.35% 0.35% $25,000
$50,000+ 0.65% 0.65% $50,000
Elite Money Market2, all balances 0.80% 0.80% $0
1Annual Percentage Yield (APY) offered is accurate as of 5/16/17. 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

TermInterestAPY1Elite Interest2Elite APY1
7 to 31 Days 0.25% 0.25% 0.50% 0.50%
32 Days to 5 Months 0.25% 0.25% 0.50% 0.50%
6 to 11 Months 0.35% 0.35% 0.55% 0.55%
12 to 17 Months 0.40% 0.40% 0.65% 0.65%
18 to 23 Months 0.50% 0.50% 0.75% 0.75%
24 to 29 Months 0.55% 0.55% 0.80% 0.80%
30 to 35 Months 0.60% 0.60% 0.85% 0.85%
36 to 47 Months 0.80% 0.80% 1.00% 1.00%
48 to 59 Months 1.14% 1.15% 1.29% 1.30%
60 Months + 1.24% 1.25% 1.39% 1.40%
24 Month Variable 0.80% 0.80% (20% 0f Prime) 0.80% 0.80% (20% 0f Prime)
36 Month Variable 1.19% 1.20% (30% 0f Prime) 1.19% 1.20% (30% 0f Prime)
1Annual Percentage Yield (APY) offered is accurate as of 5/16/17. 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 4.00% as of 5/16/17.
2Elite 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 5/16/17 and are subject to change without notice after account opening. Fees could reduce earnings on these accounts.

Personal Loans

Loan TypeTermLoan AmountAPR*APR* w/Deposit Relationship**
Personal Secured‡ 12 - 60 months $2,000-$1,000,000 6.00% 5.00%
New automobile secured loan^ 12 - 36 months $2,000 - $50,000 5.50% 4.50%
37 - 48 months $2,000 - $50,000 5.75% 4.75%
49 - 60 months $2,000 - $50,000 6.00% 5.00%
Used automobile secured loan 12 - 36 months $2,000 - $50,000 6.00% 5.00%
37 - 48 months $2,000 - $50,000 6.25% 5.25%
49 - 60 months $2,000 - $50,000 6.50% 5.50%
New boats, campers and RVs^ 12 - 60 months $2,000 - $100,000 7.50% 6.50%
61 - 72 months $2,000 - $100,000 7.75% 7.00%
73 - 120 months $2,000 - $100,000 8.50% 7.50%
Used boats, campers and RVs 12 - 60 months $2,000 - $100,000 8.50% 7.50%
61 - 72 months $2,000 - $100,000 8.75% 7.75%
73 - 120 months $2,000 - $100,000 9.50% 8.50%
Home Improvement unsecured loan 12 - 60 months $2,000 - $25,000 11.50% 10.50%
Personal Unsecured 12 - 36 months $2,000 - $54,599 11.50% 10.50%
Personal Unsecured 12 - 36 months $54,600 - $250,000 8.50% 7.50%
*APR = Annual Percentage Rate. The APRs shown are current as of 5/16/17 and are available to customers who have the credit scores required by GRB. 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 a new auto loan of $20,000 with an APR of 6.00% repayable in 60 months would be $386.66. The monthly payment for an unsecured personal loan of $10,000 with an APR of 11.50% repayable in 36 months would be $329.76. The monthly payment for a home improvement loan of $10,000 with an APR of 11.50% repayable in 60 months would be $219.93.
**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. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis. 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 4.00% as of 5/16/17.
^ New vehicles (cars, boats and RVs) are considered those within two years from the current model year or previously unregistered.

Personal Lines of Credit

Loan TypeTermLoan AmountAPR*APR* w/Deposit Relationship**
Personal Secured 3 year draw/3 year term $2,000 - $1,000,000 6.00% (Prime + 2.00%) 5.00% (Prime + 1.00%)
Personal Unsecured^ 3 year draw/3 year term $2,000 - $54,599 8.00% (Prime + 4.00%) 7.00% (Prime + 3.00%)
Personal Unsecured^ 3 year draw/3 year term $54,600 - $250,000 7.00% (Prime + 3.00%) 6.00% (Prime + 2.00%)
Overdraft Protection N/A $500 - $10,000 16.00% 16.00%
*APR = Annual Percentage Rate. Prime = Wall Street Journal Prime Rate, which is 4.00% as of 5/16/17.  The APRs shown are current as of 5/16/17 and are available to customers who have the credit scores required by GRB. 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. The bank will consider other sources of collateral, such as real estate, on a case-by-case basis.  Rate is variable at Wall Street Journal Prime + 2.00%. With a deposit relationship, rate is variable at WSJ Prime + 1.00%. All secured personal lines of credit have floors of 4.00% and ceilings of 15.00%. The WSJ Prime rate is 4.00% as of 5/16/17.
^For personal unsecured lines under $54,599, rate is variable at WSJ Prime + 4.00%. With a deposit relationship, rate is variable at WSJ Prime + 3.00%. For unsecured lines over $54,600, rate is variable at WSJ Prime + 3.00%; with a deposit relationship, this rate is variable at WSJ Prime + 2.00%. All unsecured personal lines 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 Value APR*80.01% - 85.00% Loan to Value APR* w/Deposit Relationship**
Loans up to $49,999.99 5.50% (Prime + 1.50%) 4.50% (Prime + 0.50%) 6.50% (Prime + 2.50%) 5.50% (Prime + 1.50%)
Loans $50,000 to $300,000 5.25% (Prime + 1.25%) 4.25% (Prime + 0.25%) 6.25% (Prime + 2.25%) 5.25% (Prime + 1.25%)
Loan Size0% - 75.00% Loan to Value APR*0% - 75.00% Loan to Value APR* w/Deposit Relationship**
Loans $300,000.01 to $500,000.00 5.25% (Prime + 1.25%) 4.25% (Prime + 0.25%)
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.
*APR = Annual Percentage Rate. Prime = Wall Street Journal Prime Rate, which is 4.00% as of 5/16/17.  Rates are variable based on Wall Street Journal Prime Rate plus the margins indicated above.  All Home Equity Lines of Credit have floors of 4.00% and ceilings of 15.00%.  The APRs shown are current as of 5/16/17 and are available to a customer who has the credit score required by GRB for its best rate, whose line of credit meets any applicable loan-to-value requirement and whose line of credit is secured by the customer’s primary residence or second home. 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.
 

Contact Us

Contact the GRB Mortgage Team

Call 585.249.1540 or fill out the form below and a GRB representative will contact you within one business day to answer any questions or discuss your options. Fields marked with an * are required.

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Here. For You.

As a privately held bank in Monroe County, we have a keen understanding of the region and can provide fast, common-sense decisions. By reinvesting deposits in loans locally, we help grow businesses and nurture neighborhoods.  To support the community, our team members contribute significant time, talent and treasure. 

In the face of continued bank mergers, acquisitions and consolidations,
GRB remains Here. For You.

 

Here...With Home Mortgage Support

At GRB, our experienced mortgage professionals deliver the highest level of service and local decision-making that expedites the process from pre-approval to closing. At GRB, we’re here for you. It’s why GRB has emerged as a leading local mortgage leader. 

Home Mortgage >

Here...To Help Grow Rochester Business

Begin quote symbolFor both business and personal banking, GRB has been here for us and embraces the Isaac motto 'when you need us, we'll be there.'End quote symbol
Ray Isaac, Isaac Heating and Air Conditioning
Commercial Banking >

Here...For Your Day-to-Day Banking Needs

We understand your personal banking needs are unique, so we offer a comprehensive range of products. Whether it’s managing your day-to-day banking, purchasing a new or used car, remodeling the basement, or putting on that new addition, GRB can help.
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Here...For Rochester Blog

Don't Sing the Blues...Get Your Tickets for GRB Blues Bash 2017
Don't Sing the Blues...Get Your Tickets for GRB Blues Bash 2017

We are happy to announce that GRB is the presenting sponsor for Blues Bash 2017, a one-day-only celebration of blues music with an incredible line up of artists. Slated for Saturday, May 20, Blues Bash will include performances by Rochester favorite Steve Grills, internationally acclaimed guitarist Joe Beard, the soulful Alexis P. Suter Band, singer and harmonica player Tad Robinson and acclaimed blues guitarist, bandleader and producer Dave Specter.

You can go to one, two, three, or all four events. The “Bash Pass” ($50 presale) provides unlimited access to the Bash from beginning to end. Walk-up single tickets will be available on the day of the event for $20 per concert.

Blues Bash 2017 will be held at the Lyric Theatre, 440 East Avenue, in the heart of the Neighborhood of the Arts.  There will also be food trucks and a cash bar.

“Our community has a rich musical history and we are proud to be bringing another signature event to the Rochester stage," said GRB President and CEO Philip Pecora.  "With an outstanding lineup of award-winning artists and the Lyric Theatre as the venue, GRB Blues Bash 2017 promises to be a fantastic opportunity for blues fans and music fans alike.”

Advance tickets are available at all three area GRB branch locations, as well as online at http://bit.ly/GRBbluesbash

 

GRB Mortgage Fundraising for Veterans Outreach Center
GRB Mortgage Fundraising for Veterans Outreach Center

GRB Mortgage is pleased to announce it is sponsoring a fundraiser to benefit our local service men and women. GRB Mortgage will donate $25 for every residential mortgage application taken in the month of May 2017 to the Veterans Outreach Center (VOC).

For those of you who may not be familiar with VOC, the organization was established in 1973 and provides comprehensive resources to current and former members of the U.S. Armed Forces and their families through direct service, community collaboration and advocacy. This includes providing a wide range of services such as benefits counseling, job training and placement, mentoring, legal resources, therapy services, housing assistance and much more.

You can learn more about VOC and follow their efforts at www.vocroc.org, on Twitter @VOCROC and on Facebook.

Check back on the GRB home page throughout the month of May to see our fundraising progress! If you are interested in a purchase or refinance, talk to our mortgage team.

Spread the word and we thank you in advance for your support of our local service men and women.

Helping Write Customer Stories Centerpiece of GRB Small Business Week Celebration
Helping Write Customer Stories Centerpiece of GRB Small Business Week Celebration

Every year since 1963, the President of the United States has issued a proclamation announcing National Small Business Week, which recognizes the critical contributions of America’s entrepreneurs and small business owners.

More than half of Americans either own or work for a small business, and they create about two out of every three new jobs in the U.S. each year.

As a small business lender, at GRB we know every small business has a story.  We are highlighting our celebration of National Small Business Week by helping tell those stories with in-depth customer profiles on our Web site.  We are proud that our customers are household names that provide vital services, jobs and support for our community.  

Look for the accompanying campaign with the theme, "Spotlight on Small Business" in our social media channels and read the profiles on our customers on our Spotlight on Small Business page. 

Featured are:

  • Beers of the World
  • Book1One
  • Gerstner Medical
  • Crosby-Brownlie
  • Radio Social

More information on the week's SBA-sponsored events can be found on the SBA Web site.