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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% No minimum required
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)
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 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

BillPay Upgrade is Complete

The BillPay upgrade for both businesses and consumers has been completed and there are a number of new features and capabilities now available.  Click here for more information about the enhancements.

 

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

Promotions Announced at GRB
Promotions Announced at GRB

Please join the GRB team in congratulating Jewel Allred and Courtney Ferenchak on their recent promotions.  

  • Jewel was promoted from Underwriter to Senior Underwriter. Jewel joined GRB in 2014 as a Mortgage Processor and transitioned to the Underwriting department a year later.  She earned her Direct Endorsement (DE) certification in April 2016.
  • Courtney was promoted to Collateral & Documentation Team Leader.  After joining GRB in June 2012, Courtney quickly became a go-to resource on the Collateral & Documentation team and was promoted to a Senior Specialist in January 2014.

As GRB continues to grow, we are pleased to have new opportunities for our team members to learn new skills and take on new challenges.

Thank you to Jewel and Courtney for all your hard work and best of luck in your new roles!

University of Rochester Home Ownership Incentive Program Expansion
University of Rochester Home Ownership Incentive Program Expansion

The University of Rochester has expanded their map for the University Home Ownership Incentive Program to include several new neighborhoods. This program aims to increase the number of full-time and part-time U of R faculty living in and around the University’s River Campus and Medical Center. Up to $9,000 worth of funding may be available and already more than 350 homes have been purchased through the University Home Ownership Incentive Program since it was launched in 2008. The map provided on the GRB Home Mortgage page allows you to search a specific street address to determine if the property qualifies. The map previously included parts of the 19th Ward and the South Wedge and now includes the Upper Mount Hope area, Marketview Heights, EMMA neighborhoods and many more.

To get started, call the U of R Benefits Office at 585.275.0476 to verify your eligibility for the loan. Once you’ve received the go-ahead, you need to complete a grant application from the City of Rochester and discuss mortgage options with us here at Genesee Regional Bank before putting in a purchase offer for any property. You can call us at 585.427.9200 or send us an email. Happy house hunting Rochester!

University of Rochester Home Mortgage 3 3 3 program map

Upgrade Complete for GRB BillPay Solutions
Upgrade Complete for GRB BillPay Solutions

We are pleased to announce that both GRB Business BillPay and GRB BillPay for consumers have completed the upgrade process and now include a number of new features.  

Every effort was made to transfer all scheduled payments and recurring payments to the new solution, but we encourage all customers to verify their accounts as soon as possible.  

Click for a description of the new features: