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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 3/15/17. 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 3/15/17. 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 3/31/17. 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 3/31/17. 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 3/31/17. 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 3/15/17. 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 3/15/17.
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 3/31/17 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%
Automobile (new or used) 12 - 36 months $2,000 - $50,000 4.50% 3.50%
Automobile (new or used) 37 - 48 months $2,000 - $50,000 4.75% 3.75%
Automobile (new or used) 12 - 120 months $2,000 - $50,000 5.00% 4.00%
Boats and RVs (new only) 12 - 60 months $2,000 - $50,000 8.50% 7.50%
Unsecured Home Improvement 12 - 60 months $2,000 - $25,000 8.75% 7.75%
Personal Unsecured 12 - 36 months $2,000 - $54,599 11.00% 10.00%
Personal Unsecured 12 - 36 months $54,600 - $250,000 8.00% 7.00%
*APR = Annual Percentage Rate. The APRs shown are current as of 3/15/17 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 4.00% as of 3/15/17.

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% 5.00%
Personal Unsecured^ 3 year draw/3 year term $2,000 - $54,599 8.00% 7.00%
Personal Unsecured^ 3 year draw/3 year term $54,600 - $250,000 7.00% 6.00%
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 3/15/17.  The APRs shown are current as of 3/15/17 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%. 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 3/15/17.
^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**
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. Prime = Wall Street Journal Prime Rate, which is 4.00% as of 3/15/17.  The APRs shown are current as of 3/15/17 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.

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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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. 

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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

GRB Mortgage Raises $1,525 for the Open Door Mission
GRB Mortgage Raises $1,525 for the Open Door Mission

GRB Mortgage is proud to announce that its January fundraising effort for the Open Door Mission has resulted in a $1,525 donation.  GRB Mortgage donated $25 for each mortgage application taken during the month.   

Having a place to be safe and warm, especially during the winter months in Rochester, should never be taken for granted.  To continue our support of the Open Door Mission, the mortgage team has also volunteered to serve breakfast at the Mission's Crisis Center in March and we are collecting food and clothing donations in our lobby at 1850 South Winton Road, including:

  • Coffee
  • Sugar
  • Paper products
  • Bath towels
  • Socks and underwear for men
  • Boots and clothing for women and children
  • Men's flipflops
  • Twin bed sheets

Congratulations to the team for all their hard work and a special thank you to the realtors and customers who helped make our January fundraiser possible.

 

GRB Mortgage Starts New Year with Benefit for Open Door Mission
GRB Mortgage Starts New Year with Benefit for Open Door Mission

GRB Mortgage Starts New Year with Benefit for Open Door Mission

As a residential mortgage provider, GRB has the pleasure of helping hundreds of individuals and families buy homes each year.  As we begin the new year and feel the temperatures dropping outside, it's hard not to think about those who cannot come home to a warm, safe home.  In Rochester and Monroe County, those who are homeless number in the hundreds on any given night. 

To help the Open Door Mission, one of our community's leading resources for the homeless, GRB Mortgage will donate $25 for every home mortgage application taken in the month of January 2017.  GRB is also collecting donations of coffee, sugar, paper products, bath towels, socks and underwear for men, boots and clothing for women and children, men's flipflops and twin bed sheets.  The donation box is in our lobby at 1850 South Winton Road.

More Merchants Requiring a PIN with Debit Transactions
More Merchants Requiring a PIN with Debit Transactions

More Merchants Requiring a PIN with Debit Transactions

Whether you are shopping brick and mortar or online, making sure you are able to do so in a secure manner and as easily as possible is crucial. Please note the following tips:

More Merchants are Requiring a PIN with Debit Transactions - In an effort to reduce fraud, many merchants are requiring that debit card users input their Personal Identification Number (PIN) for transactions.  This may be a new policy for merchants that have never required a PIN or signature for debit transactions in the past.  Make sure you know your PIN if using your debit card.  If prompted during a transaction, still select "debit" at the merchant's terminal then enter your PIN. 

Stay Safe from Fraud when Shopping Online - During the holidays, you may significantly expand the number of merchants you deal with online.  This can provide additional exposure for fraud.  The Federal Trade Commission recommends a number of simple safeguards for online shopping to keep your financial information secure.  Please see the additional article on our Blog for details.