Bank · FDIC insured
Genesee Regional Bank Savings Rates
Genesee Regional Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Genesee Regional Bank’s savings 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
0.40%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $40
Elite Money Market
Top rate
Family First Federal Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
Northwest Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Genesee Regional Bank savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.55%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Genesee Regional Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Elite Money Market
0.40%APY
Elite rates and yields are reserved for GRB Elite Banking customers only. Accountholders qualify for Elite Banking with $50,000 in consumer accounts combined (excluding CDs) or $100,000 in personal and business accounts combined (excluding CDs). Interest calculated using Daily Balance Method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. | 0.40% | $40 | No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. |
| $50,000 – $100,000No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. | 0.55% | — | No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. |
| $100,000 – $250,000No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. | 0.65% | — | No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. |
| $250,000 – $500,000No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. | 0.80% | — | No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. |
| $500,000 and upNo minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. | 1.00% | — | No minimum balance required to obtain APY. Reserved for GRB Elite Banking customers. |
Sources (1)
- grbbank.com/personal/checking/elite-banking · captured Oct 5, 2026
Money Market
0.25%APY
$2,500 minimum to open a regular Money Market account. Limited withdrawals and transfers each month.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.25% | $25 |
| $25,000 – $50,000 | 0.40% | — |
| $50,000 – $100,000 | 0.45% | — |
| $100,000 – $5,000,000 | 0.55% | — |
| $5,000,000 and up | 1.00% | — |
Sources (1)
- grbbank.com/personal/savings/personal-money-market · captured Oct 5, 2026
Statement Savings Account
0.10%APY
Quarterly service charge of $5.00 waived if accountholder maintains an average quarterly balance of $100 or more or is 21 years of age or younger.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5 quarterly maintenance fee waived with an average quarterly account balance of $100 or more or for accountholders 21 years of age or younger.$100 and up | 0.10% | $10 | $5 quarterly maintenance fee waived with an average quarterly account balance of $100 or more or for accountholders 21 years of age or younger. |
Sources (3)
- grbbank.com/personal/savings
- grbbank.com/personal/savings/savings-account-comparison
- grbbank.com/personal/savings/statement-savings-account
All captured Oct 5, 2026
Special-purpose accounts
Smart Start Savings
1.00%APY
For children and young adults; no fees through age 26. Each minor can have one Smart Start Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000No fees through age 26. Tiered rate on deposit balances of $0.01 to $5,000.00. | 2.00% | — | No fees through age 26. Tiered rate on deposit balances of $0.01 to $5,000.00. |
| Over $5,000No fees through age 26. Tiered rate on deposit balances of $5,000.01 and greater. | 1.00% | $100 | No fees through age 26. Tiered rate on deposit balances of $5,000.01 and greater. |
Sources (1)
- grbbank.com/personal/smart-start-youth-banking · captured Oct 5, 2026
Health Savings Account
0.35%APY
Must be enrolled in a high-deductible health plan (HDHP). No monthly account maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.05% | — |
| $2,500 – $5,000 | 0.15% | — |
| $5,000 – $10,000 | 0.25% | — |
| $10,000 – $25,000 | 0.35% | $35 |
| $25,000 and up | 0.45% | — |
Sources (1)
- grbbank.com/personal/hsa · captured Oct 5, 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.