Bank · FDIC insured
Genesee Regional Bank CD Rates
Genesee Regional Bank’s best CD rate is 4.75% APY on a 2-year CD, with extra requirements. Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Genesee Regional Bank’s CD rates compare
Compared with banks and credit unions near Rochester, NY, where Genesee Regional Bank has the most branches. $10,000, best rate first.
This bank’s best
Genesee Regional Bank
4.75%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $973
Certificates of Deposit (CDs)
2nd-highest rate
Ukrainian Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
3rd-highest rate
Pittsford Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $50
- Earns on $10,000
- $1,412
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 4.75%APY · 13 terms
Deposits are FDIC insured up to $250,000 per depositor. A penalty may be imposed for early withdrawal. Fees could reduce earnings.
| Term | APY · $500 – $1,000,000 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown–5 monthsTerm: 32 Days to 5 Months | — | 2.25% | 2.25% | $0 |
| Unknown–5 monthsTerm: 32 Days to 5 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.50% | 2.50% | $0 |
| UnknownTerm: 7 to 31 Days | — | 2.00% | 2.00% | $0 |
| UnknownTerm: 7 to 31 Days. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $0 |
| 6 months6 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.00% | — | 4.00% | $198 |
| 6–11 monthsTerm: 6 to 11 Months | — | 2.50% | 2.50% | $124 |
| 6–11 monthsTerm: 6 to 11 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.75% | 2.75% | $137 |
| 12 months12 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.30% | — | 4.30% | $430 |
| 12–17 monthsTerm: 12 to 17 Months | — | 2.00% | 2.00% | $200 |
| 12–17 monthsTerm: 12 to 17 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $225 |
| 18–23 monthsTerm: 18 to 23 Months | — | 2.00% | 2.00% | $301 |
| 18–23 monthsTerm: 18 to 23 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $339 |
| 24 months24 Month CD Special. Minimum of 50% New Money Required (funds not currently on deposit with GRB). Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.75% | — | 4.75% | $973 |
| 24 months24 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.50% | — | 4.50% | $920 |
| 24–29 monthsTerm: 24 to 29 Months | — | 2.00% | 2.00% | $404 |
| 24–29 monthsTerm: 24 to 29 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $455 |
| 30–35 monthsTerm: 30 to 35 Months | — | 2.00% | 2.00% | $508 |
| 30–35 monthsTerm: 30 to 35 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $572 |
| 36–47 monthsTerm: 36 to 47 Months | — | 2.00% | 2.00% | $612 |
| 36–47 monthsTerm: 36 to 47 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $690 |
| 48–59 monthsTerm: 48 to 59 Months | — | 2.00% | 2.00% | $824 |
| 48–59 monthsTerm: 48 to 59 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $931 |
| 60–Unknown monthsTerm: 60 Months + | — | 2.00% | 2.00% | $1,041 |
| 60–Unknown monthsTerm: 60 Months +. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $1,177 |
Sources (1)
- grbbank.com/personal/cds-cdars · captured Sep 26, 2026
Special-purpose accounts
Certificate of Deposit IRA
Up to 4.75%APY · 13 terms
Deposits are FDIC insured up to $250,000 per depositor. A penalty may be imposed for early withdrawal / early distribution. Fees could reduce earnings.
| Term | APY · $500 – $1,000,000 | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| Unknown–5 monthsTerm: 32 Days to 5 Months | — | 2.25% | 2.25% | $0 |
| Unknown–5 monthsTerm: 32 Days to 5 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.50% | 2.50% | $0 |
| UnknownTerm: 7 to 31 Days | — | 2.00% | 2.00% | $0 |
| UnknownTerm: 7 to 31 Days. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $0 |
| 6 months6 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.00% | — | 4.00% | $198 |
| 6–11 monthsTerm: 6 to 11 Months | — | 2.50% | 2.50% | $124 |
| 6–11 monthsTerm: 6 to 11 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.75% | 2.75% | $137 |
| 12 months12 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.30% | — | 4.30% | $430 |
| 12–17 monthsTerm: 12 to 17 Months | — | 2.00% | 2.00% | $200 |
| 12–17 monthsTerm: 12 to 17 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $225 |
| 18–23 monthsTerm: 18 to 23 Months | — | 2.00% | 2.00% | $301 |
| 18–23 monthsTerm: 18 to 23 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $339 |
| 24 months24 Month CD Special. Minimum of 50% New Money Required (funds not currently on deposit with GRB). Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.75% | — | 4.75% | $973 |
| 24 months24 Month CD Special. No New Money Required. Requires a GRB Value, Reward, or Elite Checking account. Individual CD deposit amount must be less than $1,000,000. Limited time offer | 4.50% | — | 4.50% | $920 |
| 24–29 monthsTerm: 24 to 29 Months | — | 2.00% | 2.00% | $404 |
| 24–29 monthsTerm: 24 to 29 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $455 |
| 30–35 monthsTerm: 30 to 35 Months | — | 2.00% | 2.00% | $508 |
| 30–35 monthsTerm: 30 to 35 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $572 |
| 36–47 monthsTerm: 36 to 47 Months | — | 2.00% | 2.00% | $612 |
| 36–47 monthsTerm: 36 to 47 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $690 |
| 48–59 monthsTerm: 48 to 59 Months | — | 2.00% | 2.00% | $824 |
| 48–59 monthsTerm: 48 to 59 Months. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $931 |
| 60–Unknown monthsTerm: 60 Months + | — | 2.00% | 2.00% | $1,041 |
| 60–Unknown monthsTerm: 60 Months +. Elite rate and yield reserved for GRB Elite Banking customers only | — | 2.25% | 2.25% | $1,177 |
Sources (1)
- grbbank.com/personal/cds-cdars · captured Sep 26, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.