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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.

CD Rate specials graphics - click for details

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 0.50% 0.50% $50,000
Elite Checking3, $100,000+ 0.75% 0.75% $100,000
1Annual Percentage Yield (APY) offered is accurate as of 3/22/18. 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 3/22/18. 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 3/22/18. 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 0.25% 0.25% $10,000
$25,000-$49,999.99 0.50% 0.50% $25,000
$50,000+ 0.75% 0.75% $50,000
Elite Money Market2, all balances 1.24% 1.25% No minimum required
1Annual Percentage Yield (APY) offered is accurate as of 3/22/18. 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  3/22/18. 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

CD Rate specials - click for more info

TermInterestAPY1Elite Interest2Elite APY1
7 to 31 Days 0.75% 0.75% 0.99% 1.00%
32 Days to 5 Months 0.75% 0.75% 0.99% 1.00%
6 to 11 Months 0.99% 1.00% 1.24% 1.25%
12 to 17 Months 1.24% 1.25% 1.49% 1.50%
18 to 23 Months 1.34% 1.35% 1.59% 1.60%
24 to 29 Months 1.49% 1.50% 1.74% 1.75%
30 to 35 Months 1.59% 1.60% 1.83% 1.85%
36 to 47 Months 1.74% 1.75% 1.98% 2.00%
48 to 59 Months 1.98% 2.00% 2.23% 2.25%
60 Months + 2.23% 2.25% 2.47% 2.50%
24 Month Variable 1.00% 1.00% (20% 0f Prime) 1.00% 1.00% (20% 0f Prime)
36 Month Variable 1.49% 1.50% (30% 0f Prime) 1.49% 1.50% (30% 0f Prime)
Minimum to open CDs and IRA CDs & obtain APY is $500.
Contact us for more information on our CD rates.
1Annual Percentage Yield (APY) offered is accurate as of 6/14/18. Fees could reduce earnings on the account. A penalty may be imposed for early withdrawal.  Prime = Wall Street Journal Prime Rate, which is 5.00% as of 6/14/18.
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 3/22/18 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 6.25% 5.25%
37 - 48 months $2,000 - $50,000 6.50% 5.50%
49 - 60 months $2,000 - $50,000 6.75% 5.75%
Used automobile secured loan 12 - 36 months $2,000 - $50,000 6.75% 5.75%
37 - 48 months $2,000 - $50,000 7.00% 6.00%
49 - 60 months $2,000 - $50,000 7.25% 6.25%
New boats, campers and RVs^ 12 - 60 months $2,000 - $100,000 8.25% 7.25%
61 - 72 months $2,000 - $100,000 8.50% 7.50%
73 - 120 months $2,000 - $100,000 8.75% 7.75%
Used boats, campers and RVs 12 - 60 months $2,000 - $100,000 9.25% 8.25%
61 - 72 months $2,000 - $100,000 9.50% 8.50%
73 - 120 months $2,000 - $100,000 9.75% 8.75%
Home Improvement unsecured loan 12 - 60 months $2,000 - $25,000 12.00% 11.00%
Personal Unsecured 12 - 36 months $2,000 - $55,799 11.75% 10.75%
Personal Unsecured 12 - 36 months $55,800 - $250,000 8.75% 7.75%
*APR = Annual Percentage Rate. The APRs shown are current as of 4/6/18 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 6.75% repayable over 60 months would be $393.67. The monthly payment for an unsecured personal loan of $10,000 with an APR of 11.75% repayable over 36 months would be $330.95. The monthly payment for a home improvement loan of $10,000 with an APR of 12.00% repayable over 60 months would be $222.44.
**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 5.00% as of 6/14/18.
^ 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 7.00% (Prime + 2.00%) 6.00% (Prime + 1.00%)
Personal Unsecured^ 3 year draw/3 year term $2,000 - $55,799 9.00% (Prime + 4.00%) 8.00% (Prime + 3.00%)
Personal Unsecured^ 3 year draw/3 year term $55,800 - $250,000 8.00% (Prime + 3.00%) 7.00% (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 5.00% as of 6/14/18.  The APRs shown are current as of 6/14/18 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 5.00% as of 6/14/18.
^For personal unsecured lines up to $55,799, rate is variable at WSJ Prime + 4.00%. With a deposit relationship, rate is variable at WSJ Prime + 3.00%. For unsecured lines $55,800 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 5.00% as of 6/14/18.

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 6.50% (Prime + 1.50%) 5.50% (Prime + 0.50%) 7.50% (Prime + 2.50%) 6.50% (Prime + 1.50%)
Loans $50,000 to $300,000 6.25% (Prime + 1.25%) 5.25% (Prime + 0.25%) 7.25% (Prime + 2.25%) 6.25% (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 6.25% (Prime + 1.25%) 5.25% (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 5.00% as of 6/14/18.  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 6/14/18 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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CD Rates are Up...

 

CD Rate Specials 3 2018 front web page 3 22 2

More great rates on a wide range of business and individual products are available on our Current Rates page.

QuickBooks and Quicken Integration Instructions for GRBonline Users

Quickbooks & Quicken accounting software logos stacked togetherQuickBooks® and Quicken® users can use the Direct Connect solution from GRB to secure a two-way connection that allows for the import of transaction data from GRBonline, as well as the ability to make transfers between accounts and initiate bill payments from supported accounting solutions.

For information and set up guides, visit our Direct Connect Solution from GRB page.

 

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

Facial Recognition Support Available on GRBmobile for iOS Users
Facial Recognition Support Available on GRBmobile for iOS Users

The latest upgrade to GRBmobile brings a number of enhancements to users, including support for iOS facial recognition technology used on the iPhone 10.  Now, GRBmobile users that unlock their mobile device with facial recognition can also bypass the user name and password requirement for GRBmobile using the same process.

If you have automatic updates turned on for GRBmobile, the latest version will be installed when available. If you manually update GRBmobile, go to the App Store or Play Store to install the latest version.

Save a Life on May 24 - Actually, Make it Three Lives
Save a Life on May 24 - Actually, Make it Three Lives

On Thursday, May 24 the Red Cross Bloodmobile will be at Genesee Regional Bank's Winton Road location from 9 a.m. to 2 p.m. GRB is proud to partner with the American Red Cross and be a part of all they do for our community, our country and around the world. Our blood drive is important to patients in need, but the collection and distribution of blood is just a small part of all the Red Cross does:

  • Every 60 seconds, 44 people in America are assisted by the American Red Cross.
  • 15,500 people every day receive lifesaving Red Cross health and safety training.
  • 1,000 times a day the Red Cross provides services to military members, their families and veterans.
  • 190 times a day Red Cross workers help families affected by a home fire or disaster.

From a blood supply standpoint:

  • Each pint of blood we collect can help save up to three lives.
  • The Red Cross must collect 14,000 units of blood each day.
  • The blood collected by the Red Cross helps millions of patients in over 2,400 hospitals across the country.
  • 80 percent of blood donations are given at blood drives are hosted by sponsoring organizations like ours.

Appointments for the GRB Blood Drive can be made in advance by clicking here.  We hope you can join us to give blood and save lives!

Celebrating the Addition of New Services at Our Winton Road Branch
Celebrating the Addition of New Services at Our Winton Road Branch

Genesee Regional Bank (GRB) is pleased to have celebrated the addition of new services for both Retail and Commercial clients at its headquarters location at 1850 South Winton Road with a ribbon-cutting ceremony on May 2.  The event also coincided with National Small Business Week, recognizing the significant contributions of small businesses to the U.S. economy.

As a small business itself, GRB serves the small business community and individuals exclusively in the Rochester region.  Last year, GRB was presented with the Silver Award from the U.S. Small Business Administration for its lending activities.  The bank is also one of the top residential mortgage lenders in the community and provides full retail banking services including home equity loans, checking and savings accounts, CDs, Health Savings Accounts and more.   

In May 2016, GRB moved its headquarters to South Winton Road and added a small bank branch in the lobby with limited retail and business banking support.  Responding to customer demand, the bank recently added state-of-the-art Cash Recyclers to support a full range of cash transactions in the Winton branch.  Business customers can also begin using the new Night Depository in the bank's secure vestibule area for after-hours deposits.

The ribbon-cutting was attended by Nelson Lopatin from the Brighton Chamber of Commerce, Brighton Town Supervisor William Moehle, Director of Communications for the Honorable NYS Senator Joseph E. Robach, Director of Planning and Development for Monroe County Jeff Adair and President and CEO of the Greater Rochester Chamber of Commerce Bob Duffy.