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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.

graphic noting 14-month CD at promotional rate of 1.30% APY

 

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 6/15/17. 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 6/15/17. 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 6/15/17. 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 6/15/17. 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
1Annual Percentage Yield (APY) offered is accurate as of 6/15/17. 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 0.50% 0.50% 0.75% 0.75%
32 Days to 5 Months 0.50% 0.50% 0.75% 0.75%
6 to 11 Months 0.60% 0.60% 0.85% 0.85%
12 to 17 Months 0.75% 0.75% 1.00% 1.00%
14 Months3 1.29% 1.30%    
18 to 23 Months 0.85% 0.85% 1.09% 1.10%
24 to 29 Months 1.00% 1.00% 1.24% 1.25%
30 to 35 Months 1.09% 1.10% 1.34% 1.35%
36 to 47 Months 1.24% 1.25% 1.49% 1.50%
48 to 59 Months 1.49% 1.50% 1.74% 1.75%
60 Months + 1.74% 1.75% 1.98% 2.00%
24 Month Variable 0.85% 0.85% (20% 0f Prime) 0.85% 0.85% (20% 0f Prime)
36 Month Variable 1.27% 1.28% (30% 0f Prime) 1.27% 1.28% (30% 0f Prime)

Contact us for more information on our CD rates.

1Annual Percentage Yield (APY) offered is accurate as of 7/6/17. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.  Prime = Wall Street Journal Prime Rate, which is 4.25% as of 6/15/17.
2Elite rates and yields are reserved for GRB Elite Banking customers only. Additional terms apply. Contact GRB for more information.
3This is a promotional rate for new money only.  This is a limited time offer and may be discontinued at any time.

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 6/15/17 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 6.25% 5.25%
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 6/15/17 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 over 60 months would be $386.66. The monthly payment for an unsecured personal loan of $10,000 with an APR of 11.50% repayable over 36 months would be $329.76. The monthly payment for a home improvement loan of $10,000 with an APR of 11.50% repayable over 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. The WSJ Prime rate is 4.25% as of 6/15/17.
^ 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 6.25% (Prime + 2.00%) 5.25% (Prime + 1.00%)
Personal Unsecured^ 3 year draw/3 year term $2,000 - $54,599 8.25% (Prime + 4.00%) 7.25% (Prime + 3.00%)
Personal Unsecured^ 3 year draw/3 year term $54,600 - $250,000 7.25% (Prime + 3.00%) 6.25% (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 4.25% as of 6/15/17.  The APRs shown are current as of 6/15/17 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 4.25% as of 6/15/17.
^For personal unsecured lines up to $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 $54,600 or more, 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%. The WSJ Prime rate is 4.25% as of 6/15/17.

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 5.75% (Prime + 1.50%) 4.75% (Prime + 0.50%) 6.75% (Prime + 2.50%) 5.75% (Prime + 1.50%)
Loans $50,000 to $300,000 5.50% (Prime + 1.25%) 4.50% (Prime + 0.25%) 6.50% (Prime + 2.25%) 5.50% (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 5.50% (Prime + 1.25%) 4.50% (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 4.25% as of 6/15/17.  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 6/15/17 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.

Please do not include any non-public personal or sensitive information (such as SSN, account numbers, or income), as email messages may not be secure and/or confidential.

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GRB Announces CD Rate Increases

14-month CD available at 1.30% APY   

Higher rates also available on both Standard and Elite CDs

 

GROW YOUR MONEY FASTER

graphic representing a money tree

 

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.
Personal Banking >

Here...For Rochester Blog

GRB to Host Mortgage Education Sessions for Veterans
GRB to Host Mortgage Education Sessions for Veterans

GRB is pleased to announce it will be hosting two mortgage education sessions for military veterans at 10:30 a.m. and 1 p.m. on Thursday, July 20 at the Veterans Outreach Center (VOC), 459 South Avenue, Rochester, NY  14620.  

pulver

GRB Mortgage's Senior Vice President, Residential Mortgage Mike Pulver will provide information on the Rochester real estate market, low- and no-downpayment mortgage options, grant programs, credit, and other financing options.    

You do not need to be working with the VOC to attend these sessions, all veterans are welcome!  No need to RSVP, just mark your calendar and come see us to take the first step toward home ownership! 

 

What is a Prospective Rochester Homebuyer to do?
What is a Prospective Rochester Homebuyer to do?

It’s not just the temperature that’s rising this summer…

According to the online real estate database Zillow, the market temperature for the city of Rochester is hot! Continuing a trend from 2016, housing inventory in the Rochester area is low and those looking to buy homes are dealing with increased competition. Increased demands in combination with rising interest rates are causing higher housing prices. So what is a prospective homebuyer to do? 

GRB Team to Participate in the Rochester Corporate Challenge
GRB Team to Participate in the Rochester Corporate Challenge

Genesee Regional Bank is proud to be co-sponsoring a team of 27 GRB employees for the Rochester Corporate Challenge with WCI Realty, Inc. The Corporate Challenge began in 1977 as a way for companies to celebrate teamwork, camaraderie and community all while running a 3.5 mile race. It has grown into an annual event held in thirteen cities in seven different countries. The Rochester race was added in 1991 and has grown from 76 local companies to 329. This year the event will be held at Frontier Field on Tuesday, July 11th. All proceeds from this event will go towards the Hillside Work-Scholarship Connection (HWSC) and the Catholic Family Center (CFC) Adult Mentoring Program. Both the HWSC and the CFC are priority projects of the One Community Plan which works to alleviate poverty by supporting the Rochester-Monroe Anti-Poverty Initiative. Please visit https://www.jpmorganchasecc.com/city/rochester for more information. We’ll see you at the finish line!