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Lending Products

Rhinebeck Bank offers a variety of affordable consumer loans
for just about any need, from a buying a new home, to home
improvements, to college tuition, to buying a new car…
you name it.  We offer great rates, fast service and local
decision-making on all of our loans.

Residential Mortgagesapply for an accountapply online

Rhinebeck Bank offers a variety of residential mortgage programs to suit your needs and, more importantly, we service your mortgage after closing. In other words, your mortgage payments are made directly to Rhinebeck Bank!

Conventional Fixed Rate Mortgages

Fixed rate mortgages provide you with the security of a monthly payment that doesn’t change and are one of the most popular loan options today. Rhinebeck Bank offers a variety of fixed rate mortgages and our expert mortgage advisors can help you choose the one that best meets your needs. Check out our great rates today!

Adjustable Rate Mortgages

If you’re in need of temporary financing, an Adjustable Rate Mortgage may be just the thing. Contact us to discuss your mortgage needs and we’ll help you find the best funding option.

First Time Homebuyer Mortgages

We know that a first time home purchase can be an intimidating task, but our expert mortgage advisors have the experience and knowledge to guide you on the path to home ownership. Rhinebeck Bank has a variety of programs designed to get you in your first home. Contact us to find out more about our programs specifically designed to assist first time home buyers.


Rhinebeck Bank is a State of New York Mortgage Agency (SONYMA) participating lender. SONYMA offers first-time homebuyers low down payment options, as well as low interest rates. Contact us for more details and rates. Certain restrictions may apply.

Federal Housing Administration (FHA) Loans

Federal Housing Administration (FHA) mortgages are available for financing or refinancing a mortgage.  Qualified applicants can purchase a home with little money down and without restrictions on the borrower's annual income. Contact us for specific details. Certain restrictions may apply.

Construction Loans

Build your dream home - we finance stick-built, modular homes and log homes. Contact us for further details.

Construction Rehab Loans

Are you thinking about buying a fixer-upper? Rhinebeck Bank offers flexible construction rehab loans to turn that handyman special into your special home.

Jumbo Mortgages

A jumbo mortgage provides higher dollar financing than a conventional fixed rate mortgage. If you are looking to purchase that special dream home or refinance an existing mortgage with a higher balance, Rhinebeck Bank has a variety of jumbo products to meet your lending needs. Contact a mortgage advisor today to find out how we can help.

Contact us for additional mortgage resources

You may call 845-454-8555, option 3, to make an appointment to meet with one of our mortgage advisors. If you prefer, you may apply online for your mortgage. We also offer free pre-qualification, so you can shop for your new home knowing you can afford the mortgage!

NMLS Registry Information

Home Equity Programs

Rhinebeck Bank offers a variety of Home Equity programs that can be used as a multi-purpose loan. In many cases, the interest you pay may be tax deductible*.

Fixed Rate Home Equity Loan

Our Fixed Rate Home Equity Loan is designed so you can repay the amount borrowed over a specified period of time. A home equity loan is a one-time disbursement to you, with monthly payments fixed at an amount that will pay the loan back in full at maturity.

  • Borrow up to 80% of the current appraised value of your home - less the balance remaining on your first mortgage
  • Fixed interest rate and monthly payments
  • Owner-occupied 1-4 family homes are eligible
  • Second homes are eligible
  • Multi-purpose
  • Closing costs are paid by Rhinebeck Bank and are subject to recapture** if the loan is paid-off within the first 3 years
  • Second lien position only

Home Equity Lines of Credit

Home equity lines of credit offers you a 5-year variable rate line of credit feature, which allows you to access the funds you need when you need them. You may pay down the line and re-access it much like you would a credit card. Monthly payments will vary based on the current interest rate and the amount of money you use.

  • Borrow up to 80% of the current appraised value of your home - less the balance remaining on your first mortgage
  • 5-year line of credit*** feature allows you to access the funds you need when you need them
  • Flexible payment options, including interest-only
  • First or second lien position available
  • Closing costs are paid by Rhinebeck Bank and are subject to recapture** if the loan is paid-off within the first 3 years

NMLS Registry Information

*Consult your tax advisor

**An estimate of the fees you would have to pay third parties at the time of closing (closing costs) will be provided to you. If you are approved for a home equity loan / line of credit, Rhinebeck Bank will waive your obligation to pay these closing costs, provided that you maintain your home equity loan / line of credit account with the Bank, in good standing, for three (3) or more years from the day of closing. If you or the Bank terminate the account for any reason you will be required to reimburse the Bank for the fees the Bank paid on your behalf.

***After the 5-year period ends, your line of credit feature ends. Should there be a balance remaining at that time, we will put you on a repayment plan with a term up to 15 years.

All lines of credit and fixed rate loans are subject to credit approval; annual percentage rate will depend upon credit history. Additional terms and conditions may apply based on type of collateral and other chosen conditions.

Consumer Loansapply for an accountapply online  check our current ratesrates

At Rhinebeck Bank, we have tailored the lending process to provide you with competitive rates and superior customer service.  We take pride in making the application process a comfortable experience. Apply at any of our branch locations or contact our Customer Solutions Center at 845-454-8555, option 3 and apply over the phone.  Most loan decisions are made within hours!

Automobile Loans

We offer financing for new, used and classic cars.  You can be pre-approved for a loan amount that you feel comfortable with before you go shopping for your new car.  Fixed monthly payments, extended terms and competitive rates are available*.

Personal Loans

Personal loans are available to finance a variety of your needs - debt consolidation, weddings, vacations and unexpected emergencies, just to name a few.  Fixed monthly payments and competitive rates are available*.

Secured Personal Loans

Secure a personal loan with a qualified Rhinebeck Bank deposit account.  There's no need to dip into your savings.  Fixed monthly payments and competitive rates are available.*  Contact us for further information.

Priority Plus Credit

With Priority Plus Credit you're in control!  Priority Plus Credit has been designed to give you peace of mind. This feature is directly tied to your checking account, taking away the pressure of having to run to the bank to cover a check.  You no longer have to worry about your account being overdrawn*.

*Subject to credit approval. Certain terms and restrictions may apply.

NMLS Registry Information

Member FDIC. Equal Opportunity Employer. Equal Housing Lender.  
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