Skip to main content

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 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 0.25% 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 0.85% 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)
1Annual Percentage Yield (APY) offered is accurate as of 6/15/17. 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 4.25% 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.

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.

Invalid Input
Invalid Input
Invalid Input
Invalid Input
Invalid Input
Please tell us how you found GRB Mortgage.
Please check this box in order to continue with your submission and to help GRB fight spam!

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

Stop by our Branches for GRB
Stop by our Branches for GRB "Your Business" Days

It's "Your Business" and it means everything to you.  At GRB, we understand.  To help you keep your business growing, we are pleased to invite you to GRB's "Your Business" Day at each of our branch locations.  During the third week in June, stop by and find out how GRB can help you boost your business banking benefits and streamline your personal banking needs, including:

  • Financing solutions when it’s time to grow
  • Reduce costs with GRB credit card processing
  • Collect your receivables faster
  • Secure the most competitive deposit rates
  • Use your GRB relationship to help your employees save money
  • Learn about managing Health Savings Accounts
  • Demo personal banking tools to make your financial life easier

You will find many helpful GRB team members ready to talk about your business needs.  In addition, there will be food and prizes.  Come see us:

Greece

8:30 a.m. to 2 p.m. on Wednesday, June 21

Pittsford

9 a.m. to 2 p.m. on Thursday, June 22

Winton

11 a.m. to 1 p.m. on Friday, June 23

Planning to attend?  Let us know on Facebook or RSVP online.  We look forward to seeing you there!

Same-Day Check Processing Begins July 5
Same-Day Check Processing Begins July 5

Beginning July 5, 2017, checks you have written will now post to your account on the same day they are received by GRB (typically by 1 PM that day).  Previously, checks clearing your account were processed in the evening and didn’t affect your available balance until the following morning. 

The change applies to both individual customer and business accounts.  Up-to-date balances will be reflected in online banking and in the cash available for withdrawal at ATMs.

Same-day check processing provides a more accurate, real-time view of your account and allows you to plan more carefully.  To view your updated balance, simply log-in to your GRBonline account after 1 p.m.  If additional funds are needed to cover checks you have written, you can transfer money online from other accounts or stop in to a GRB branch before close of business.

No other account changes will occur at this time.

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