What are the current interest rates at Academy Bank?

Current rates for Academy Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.10%, 24-Month CD: 3.10%, 36-Month CD: 3.03%, 48-Month CD: 3.03%, 60-Month CD: 3.03%, Savings: 0.03%, MMA: 3.65%

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Academy Bank Rates & Review September 2026

Q: How many branches does Academy Bank operate?

Academy Bank currently maintains approximately 80 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Academy Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Academy Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Academy Bank's 15-Month 15-Month Certificate of Deposit rates are at 4.15%, 13-Month 13-Month Certificate of Deposit rates are at 4.10%, 12-Month 12-Month Certificate of Deposit rates are at 3.75%, 9-Month 9-Month Certificate of Deposit rates are at 3.45%, 18-Month 18-Month Certificate of Deposit rates are at 3.10%. Academy Bank's savings rates are at 0.03%. Academy Bank's money market rates are at 3.65%. MonitorBankRates evaluates the financial stability of Academy Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.56%. Rates last updated and verified on 09/18/2026.

Academy Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Academy Bank? Share your experience about Academy Bank by leaving a review below, or read customer reviews before you decide to use Academy Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.56%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Academy Bank, National Association

1201 Walnut St
Kansas City, MO 64106

https://www.academybank.com

Academy Bank CD Rates

Product	Rate	APY	Term
15 Month Certificate of Deposit	-	4.15%	15-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
13 Month Certificate of Deposit	-	4.10%	13-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
12 Month Certificate of Deposit	-	3.75%	12-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
9 Month Certificate of Deposit	-	3.45%	9-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
18 Month Certificate of Deposit	-	3.10%	18-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
19 Month Certificate of Deposit	-	3.10%	19-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
24 Month Certificate of Deposit	-	3.10%	24-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Month Certificate of Deposit	-	3.03%	30-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
36 Month Certificate of Deposit	-	3.03%	36-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
48 Month Certificate of Deposit	-	3.03%	48-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
60 Month Certificate of Deposit	-	3.03%	60-Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
182 Day Certificate of Deposit	-	1.15%	182-Day
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
91 Day Certificate of Deposit	-	1.05%	91-Day
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
30 Day Certificate of Deposit	-	1.00%	30-Day
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Academy Bank Savings Rates

Product	Rate	APY	View More
Savings Account	-	0.03%
Details Balance: All balances Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Academy Bank Checking Rates

Product	Rate	APY
Elite Investment Checking	-	0.50%
Min Balance $250,000 Details Balance: $250,000 and up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Elite Investment Checking	-	0.40%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Elite Investment Checking	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Elite Investment Checking	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Elite Investment Checking	-	0.20%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Elite Investment Checking	-	0.15%
Min Balance $0 Details Balance: $0.01 to $9,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Academy Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	5.49%	6 months
Details introductory rate Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Academy Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Premier Money Market Account	-	-	3.65%	6 months
Min Deposit $15,000 Min Balance $1,000 Details Promotional rate is effective for 6 months from the opening date of a new Premier Money Market account. To receive the introductory rate, account must be opened with a minimum of $15,000 required that cannot be transferred from an existing Academy Bank account. Maximum deposit eligible for promotional rate is $3,000,000. The rate may change after the account is opened. Fees charged to the account could reduce the earnings on the account. If the account is closed prior to the interest payment date, no interest will be paid. The interest rate and annual percentage yield is subject to change daily. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. No monthly service charge when you maintain a minimum balance of $1,000 per monthly statement cycle. Otherwise, a monthly service charge of $10 applies. 6 transactions per statement cycle allowed. You can receive free eStatements or $5 paper statements with this account. Closing new accounts within 90 days of opening will result in a $25 early closure fee. Up to $100,000 ACH funding possible when opening online. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Academy Bank’s Texas Ratio stayed near 5.58% in Q3 2023 to 5.56% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.2B	5.56%	5.0	A+
March 31, 2026	$3.3B	6.20%	5.0	A
December 31, 2025	$3.3B	4.72%	5.0	A+
September 30, 2025	$3.1B	4.72%	5.0	A+
June 30, 2025	$3.0B	4.23%	5.0	A+
March 31, 2025	$2.9B	6.38%	5.0	A
December 31, 2024	$2.9B	4.21%	5.0	A+
September 30, 2024	$2.8B	4.24%	5.0	A+
June 30, 2024	$2.7B	4.46%	5.0	A+
March 31, 2024	$2.6B	5.45%	5.0	A+
December 31, 2023	$2.6B	5.56%	5.0	A+
September 30, 2023	$2.5B	5.58%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Academy Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Academy Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Academy Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Academy Bank

Bank Holding Company DICKINSON FINANCIAL CORP II

Address 1201 Walnut St, Kansas City, MO 64106 · Jackson

Website https://www.academybank.com

FDIC Certificate # 19600

Established 19660615

FDIC Insurance Date 19660615

Domestic Offices 80

Total Branches 80

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.56%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0509%

Return on Equity (ROE) 7.4000%

Non-Performing Loans (NPL) 0.81%

Total Assets $3,228,118,000

Total Deposits $2,679,639,000

Equity Capital $470,633,000

Net Income $17,206,000

Headquarters Kansas City

Total Branches and Offices 80

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Academy Bank earned the Verified Healthy badge

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Frequently Asked Questions About Academy Bank

How many branches does Academy Bank operate?

Academy Bank currently maintains approximately 80 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Academy Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Academy Bank provides members with tools to manage their accounts and build a solid financial history.

Does Academy Bank offer online and mobile banking?

Most modern institutions like Academy Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.academybank.com.