Lender profile
Rhinebeck Bank
Lender Live rate observations
Rhinebeck Bank at a glance
Rhinebeck Bank is a lender based in New York. LoanMate.ai tracks 9 published loan products from Rhinebeck Bank (9 rate listings), last verified 2026-10-17. Its lowest published rate today is 3% on Secured personal loan · 60 months. Its Secured personal loan · 60 months rate of 3% is 2 points below the national median of 5% (across 37 lenders publishing that product). Rhinebeck Bank lends in New York only.
HELOC (1)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| HELOC | — | 6.75 | — | Fees incurred generally 1.0% to 2.0% of credit limit (bank pays at closing, reimbursable if terminated in first 3 years) | 2026-10-17 | Lender source ↗ |
Auto loan (6)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-60 | — | 5.84 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 6.04 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 6.24 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 6.34 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 6.74 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 6.94 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (2)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-SEC-60 | — | 3.00 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-60 | — | 9.50 | — | — | 2026-10-17 | Lender source ↗ |
How Rhinebeck Bank compares
- #1 nationally for Secured personal loan · 60 months — 3% (of 37 lenders publishing it)
Compare all heloc rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in New York
Compare with: Access, Adirondack Regional, Adirondack Trust Company, Allegany First
Common questions
What is the lowest published rate at Rhinebeck Bank?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Rhinebeck Bank is 3% on its Secured personal loan · 60 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Rhinebeck Bank lend?
Rhinebeck Bank lends in New York only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Rhinebeck Bank's Secured personal loan · 60 months rate compare nationally?
Rhinebeck Bank publishes Secured personal loan · 60 months at 3%. The national median for that product is 5% across 37 lenders in LoanMate.ai's October 17, 2026 dataset, so Rhinebeck Bank is 2 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.