Genesee Regional Bank CD Rates — October 2026
As of October 22, 2026, Genesee Regional Bank's highest tracked CD rate is 4.75% APY on a 24-month promotional CD ($500 minimum). That is 3.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 2.00% to 2.50% APY.
Tracking began .
Genesee Regional Bank CD rates
CDs from 7 days to 60 months with a $500 minimum, at standard and higher Elite rates; term ranges are shown at their lower bound. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 7 days | Elite Certificate of Deposit Relationship | $500 | 2.25% | −1.88% | Verified October 22, 2026 |
| 7 days | Certificate of Deposit | $500 | 2.00% | −2.13% | Verified October 22, 2026 |
| 32 days | Elite Certificate of Deposit Relationship | $500 | 2.50% | −1.64% | Verified October 22, 2026 |
| 32 days | Certificate of Deposit | $500 | 2.25% | −1.89% | Verified October 22, 2026 |
| 6 months | 6 Month CD Special Promotional | $500 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Elite Certificate of Deposit Relationship | $500 | 2.75% | −1.65% | Top 73% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Certificate of Deposit | $500 | 2.50% | −1.90% | Top 77% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month CD Special Promotional | $500 | 4.30% | −0.27% | Top 9% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.32% | Top 80% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Certificate of Deposit | $500 | 2.00% | −2.57% | Top 82% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.47% | Top 80% of tracked 18-month CDs · Verified October 22, 2026 |
| 18 months | Certificate of Deposit | $500 | 2.00% | −2.72% | Top 83% of tracked 18-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD Special (50% New Money) Promotional | $500 | 4.75% | −0.12% | Top 2% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | 24 Month CD Special Promotional | $500 | 4.50% | −0.37% | Top 4% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.62% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Certificate of Deposit | $500 | 2.00% | −2.87% | Top 81% of tracked 24-month CDs · Verified October 22, 2026 |
| 30 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.66% | Verified October 22, 2026 |
| 30 months | Certificate of Deposit | $500 | 2.00% | −2.91% | Verified October 22, 2026 |
| 36 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.70% | Top 74% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Certificate of Deposit | $500 | 2.00% | −2.95% | Top 79% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.73% | Top 73% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Certificate of Deposit | $500 | 2.00% | −2.98% | Top 78% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Elite Certificate of Deposit Relationship | $500 | 2.25% | −2.76% | Top 74% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Certificate of Deposit | $500 | 2.00% | −3.01% | Top 81% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.75% APY (24 months). The standard rate for a similar term is 2.00% APY (24 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $275 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Genesee Regional Bank's best CD rates by term?
Genesee Regional Bank's best rate is 4.75% APY on 24 months, verified October 22, 2026.
- 7 days2.25%
- 32 days2.50%
- 6 mo4.00%
- 12 mo4.30%
- 18 mo2.25%
- 24 mo4.75%
- 30 mo2.25%
- 36 mo2.25%
- 48 mo2.25%
- 60 mo2.25%
How much interest could a Genesee Regional Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$972.56 interest · $10,972.56 at maturity on $10,000.00.
4.75% APY · 24 months · 24 Month CD Special (50% New Money) · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 7 days | $2.132.25% APY · Elite Certificate of Deposit · Relationship | $4.272.25% APY · Elite Certificate of Deposit · Relationship | $10.672.25% APY · Elite Certificate of Deposit · Relationship | $21.342.25% APY · Elite Certificate of Deposit · Relationship |
| 32 days | $10.842.50% APY · Elite Certificate of Deposit · Relationship | $21.672.50% APY · Elite Certificate of Deposit · Relationship | $54.182.50% APY · Elite Certificate of Deposit · Relationship | $108.362.50% APY · Elite Certificate of Deposit · Relationship |
| 6 months | $99.294.00% APY · 6 Month CD Special · Promotional | $198.594.00% APY · 6 Month CD Special · Promotional | $496.474.00% APY · 6 Month CD Special · Promotional | $992.934.00% APY · 6 Month CD Special · Promotional |
| 12 months | $215.004.30% APY · 12 Month CD Special · Promotional | $430.004.30% APY · 12 Month CD Special · Promotional | $1,075.004.30% APY · 12 Month CD Special · Promotional | $2,150.004.30% APY · 12 Month CD Special · Promotional |
| 18 months | $169.852.25% APY · Elite Certificate of Deposit · Relationship | $339.712.25% APY · Elite Certificate of Deposit · Relationship | $849.272.25% APY · Elite Certificate of Deposit · Relationship | $1,698.532.25% APY · Elite Certificate of Deposit · Relationship |
| 24 months | $486.284.75% APY · 24 Month CD Special (50% New Money) · Promotional | $972.564.75% APY · 24 Month CD Special (50% New Money) · Promotional | $2,431.414.75% APY · 24 Month CD Special (50% New Money) · Promotional | $4,862.814.75% APY · 24 Month CD Special (50% New Money) · Promotional |
| 30 months | $286.172.25% APY · Elite Certificate of Deposit · Relationship | $572.352.25% APY · Elite Certificate of Deposit · Relationship | $1,430.872.25% APY · Elite Certificate of Deposit · Relationship | $2,861.752.25% APY · Elite Certificate of Deposit · Relationship |
| 36 months | $345.152.25% APY · Elite Certificate of Deposit · Relationship | $690.302.25% APY · Elite Certificate of Deposit · Relationship | $1,725.752.25% APY · Elite Certificate of Deposit · Relationship | $3,451.512.25% APY · Elite Certificate of Deposit · Relationship |
| 48 months | $465.422.25% APY · Elite Certificate of Deposit · Relationship | $930.832.25% APY · Elite Certificate of Deposit · Relationship | $2,327.082.25% APY · Elite Certificate of Deposit · Relationship | $4,654.172.25% APY · Elite Certificate of Deposit · Relationship |
| 60 months | $588.392.25% APY · Elite Certificate of Deposit · Relationship | $1,176.782.25% APY · Elite Certificate of Deposit · Relationship | $2,941.942.25% APY · Elite Certificate of Deposit · Relationship | $5,883.882.25% APY · Elite Certificate of Deposit · Relationship |
How Genesee Regional Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 392 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Genesee Regional Bank (this institution)24 Month CD Special (50% New Money) · Promotional | 24 months | $500 | Branches in NY | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 24 months | Not stated | Available nationwide | 4.80% | October 22, 2026 |
| Popular DirectCD · Standard | 24 months | $10,000 | Available nationwide | 4.80% | October 22, 2026 |
| BarclaysOnline CD · Standard | 24 months | Not stated | Available nationwide | 4.75% | October 22, 2026 |
| Tower Federal Credit Union (highest tracked APY for this term)Regular Share Certificate · Standard | 24 months | $500 | Membership required · branches in MD | 5.20% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Genesee Regional Bank on October 22, 2026.
About Genesee Regional Bank
- Legal name
- Genesee Regional Bank
- Regulator ID
- FDIC 26333
- Headquarters
- Rochester, NY
- Available in
- NY
- Total assets
- $1.3 billion
- Also known as
- Website
- www.grbbank.com
Source: rates read from https://www.grbbank.com/personal/cds-cdars/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Genesee Regional Bank?
Among the rates we track, 4.75% APY on a 24-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Genesee Regional Bank CD?
The lowest minimum we found is $500.
How does Genesee Regional Bank's best CD rate compare with Treasury yields?
4.75% APY is −0.12% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.75% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Genesee Regional Bank CDs insured?
Genesee Regional Bank is an FDIC-insured bank (FDIC 26333). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Genesee Regional Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Genesee Regional Bank's website and may change at any time. Confirm terms, minimums and eligibility with Genesee Regional Bank before opening an account. This page is not financial advice.