What are the current interest rates at Adams County Bank?

Current rates for Adams County Bank include: 12-Month CD: 4.04%, 24-Month CD: 4.04%, 36-Month CD: 4.04%, 48-Month CD: 4.04%, 60-Month CD: 4.04%, Savings: 1.10%, MMA: 1.36%

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Adams County Bank Rates & Review November 2026

Q: What CD terms does Adams County Bank offer?

Adams County Bank CD rates are 4.25% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Adams County Bank for its full lineup.

Q: How many branches does Adams County Bank operate?

Adams County Bank currently maintains approximately 2 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, Adams County 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, Adams County 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: November 6, 2026

Adams County Bank's CD (CDs) - 12-Month rates are at 4.25%, CD (CDs) - 24-Month rates are at 4.25%, CD (CDs) - 36-Month rates are at 4.25%, CD (CDs) - 48-Month rates are at 4.25%, CD (CDs) - 60-Month rates are at 4.25%. Adams County Bank's savings rates are at 1.10%. Adams County Bank's money market rates are at 1.36%. Adams County Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Adams County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.02%. Rates last updated and verified on 11/06/2026.

Adams County 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 Adams County Bank? Share your experience about Adams County Bank by leaving a review below, or read customer reviews before you decide to use Adams County Bank.

Ranked #15 Healthiest 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.02%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Adams County Bank

401 N Smith Ave
Kenesaw, NE 68956

https://www.adamscountybank.net

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Adams County Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
CD (CDs) - 12-month	4.18%	4.25%	12 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75% Nov 6, 20264.25%▲ from 4.16% Sep 24, 20264.16%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 24-month	4.18%	4.25%	24 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 4.25% ▲ 0.60 pts · high 4.25% / low 3.65% Nov 6, 20264.25%▲ from 4.22% Sep 24, 20264.22%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 36-month	4.18%	4.25%	36 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.25% ▲ 1.37 pts · high 4.25% / low 2.88% Nov 6, 20264.25%▲ from 4.22% Sep 24, 20264.22%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 48-month	4.18%	4.25%	48 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.25% ▲ 1.37 pts · high 4.25% / low 2.88% Nov 6, 20264.25%▲ from 4.22% Sep 24, 20264.22%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 60-month	4.18%	4.25%	60 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.25% ▲ 1.37 pts · high 4.25% / low 2.88% Nov 6, 20264.25%▲ from 4.22% Sep 24, 20264.22%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 6-month	4.09%	4.15%	6 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.91% → 4.15% ▲ 0.24 pts · high 4.15% / low 3.91% Nov 6, 20264.15%▲ from 4.06% Sep 24, 20264.06%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 12-month	4.08%	4.14%	12 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 4.14% ▲ 0.39 pts · high 4.16% / low 3.75% Nov 6, 20264.14%▼ from 4.16% Sep 24, 20264.16%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 24-month	4.08%	4.14%	24 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.65% → 4.14% ▲ 0.49 pts · high 4.22% / low 3.65% Nov 6, 20264.14%▼ from 4.22% Sep 24, 20264.22%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 36-month	4.08%	4.14%	36 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.14% ▲ 1.26 pts · high 4.14% / low 2.88% Nov 6, 20264.14%▲ from 4.11% Sep 24, 20264.11%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 48-month	4.08%	4.14%	48 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.14% ▲ 1.26 pts · high 4.14% / low 2.88% Nov 6, 20264.14%▲ from 4.11% Sep 24, 20264.11%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 60-month	4.08%	4.14%	60 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.14% ▲ 1.26 pts · high 4.14% / low 2.88% Nov 6, 20264.14%▲ from 4.11% Sep 24, 20264.11%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 6-month	3.99%	4.05%	6 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.91% → 4.05% ▲ 0.14 pts · high 4.06% / low 3.91% Nov 6, 20264.05%▼ from 4.06% Sep 24, 20264.06%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 12-month	3.98%	4.04%	12 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.75% → 4.04% ▲ 0.29 pts · high 4.06% / low 3.75% Nov 6, 20264.04%▼ from 4.06% Sep 24, 20264.06%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 24-month	3.98%	4.04%	24 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 3 changes since Sep 14, 2026 · 3.65% → 4.04% ▲ 0.39 pts · high 4.05% / low 3.65% Nov 6, 20264.04%▼ from 4.05% Oct 21, 20264.05%▲ from 4.01% Sep 24, 20264.01%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 36-month	3.98%	4.04%	36 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.04% ▲ 1.16 pts · high 4.04% / low 2.88% Nov 6, 20264.04%▲ from 4.01% Sep 24, 20264.01%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 48-month	3.98%	4.04%	48 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.04% ▲ 1.16 pts · high 4.04% / low 2.88% Nov 6, 20264.04%▲ from 4.01% Sep 24, 20264.01%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 60-month	3.98%	4.04%	60 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 2.88% → 4.04% ▲ 1.16 pts · high 4.04% / low 2.88% Nov 6, 20264.04%▲ from 4.01% Sep 24, 20264.01%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 3-month	3.95%	4.01%	3 months	$1,000
Min Deposit $1,000 Min Balance $150,000 Details Balance: $150,000 and over; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 4.01% ▲ 3.01 pts · high 4.01% / low 1.00% Sep 24, 20264.01%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 6-month	3.89%	3.95%	6 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 2 changes since Sep 14, 2026 · 3.91% → 3.95% ▲ 0.04 pts · high 3.96% / low 3.91% Nov 6, 20263.95%▼ from 3.96% Sep 24, 20263.96%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 3-month	3.85%	3.91%	3 months	$1,000
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $149,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.91% ▲ 2.91 pts · high 3.91% / low 1.00% Sep 24, 20263.91%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
CD (CDs) - 3-month	3.75%	3.80%	3 months	$1,000
Min Deposit $1,000 Min Balance $500 Details Balance: $500 - $49,999.99; An interest penalty may be imposed for early withdrawal Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 3.80% ▲ 2.80 pts · high 3.80% / low 1.00% Sep 24, 20263.80%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Adams County Bank Savings Rates

Product	Rate	APY
Passbook Savings Accounts	1.10%	1.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Sep 24, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Passbook Savings Accounts	0.90%	0.90%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.85% → 0.90% ▲ 0.05 pts · high 0.90% / low 0.85% Sep 24, 20260.90%▲ from 0.85% Sep 14, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Passbook Savings Accounts	0.80%	0.80%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000 - $49.999.99 Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.80% ▲ 0.05 pts · high 0.80% / low 0.75% Sep 24, 20260.80%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Passbook Savings Accounts	0.70%	0.70%
Min Deposit $1,000 Details Balance: < $5,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Adams County Bank Money Market Rates

Product	Rate	APY
Money Market Accounts	1.35%	1.36%
Min Deposit $1,000 Min Balance $200,000 Details Balance: >= $200,000; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 1.36% ▲ 0.10 pts · high 1.36% / low 1.26% Sep 24, 20261.36%▲ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Money Market Accounts	1.10%	1.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000 - $199,999.99; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.10% ▲ 0.10 pts · high 1.10% / low 1.00% Sep 24, 20261.10%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Money Market Accounts	1.00%	1.00%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.95% → 1.00% ▲ 0.05 pts · high 1.00% / low 0.95% Sep 24, 20261.00%▲ from 0.95% Sep 14, 20260.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Money Market Accounts	0.85%	0.85%
Min Deposit $1,000 Min Balance $0 Details Balance: < $50,000; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.80% → 0.85% ▲ 0.05 pts · high 0.85% / low 0.80% Sep 24, 20260.85%▲ from 0.80% Sep 14, 20260.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

Adams County Bank Other Rates

Product	Rate	Points	APY/APR
Super Now Accounts & HSA	0.25%	-	0.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Super Now minimum to open $1,000; HSA minimum to open $100; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Super Now Accounts & HSA	0.35%	-	0.35%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Super Now minimum to open $1,000; HSA minimum to open $100; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Super Now Accounts & HSA	0.40%	-	0.40%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $99.999.99; Super Now minimum to open $1,000; HSA minimum to open $100; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Super Now Accounts & HSA	0.50%	-	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: >= $100,000; Super Now minimum to open $1,000; HSA minimum to open $100; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Super Now Accounts & HSA	0.15%	-	0.15%
Min Deposit $1,000 Details Balance: < $10,000; Super Now minimum to open $1,000; HSA minimum to open $100; Rates may change after the account is opened; Fees may reduce earnings Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%
Variable Rate IRA Accounts	4.10%	-	4.16%
Min Deposit $1,000 Min Balance $500 Details Balance: >= $500; Rates may change after the account is opened Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.91% → 4.16% ▲ 0.25 pts · high 4.16% / low 3.91% Oct 3, 20264.16%▲ from 3.91% Sep 14, 20263.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.02%

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.
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Financial Health History

Adams County Bank’s Texas Ratio stayed near 0.15% in Q3 2023 to 0.02% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$241M	0.02%	5.0	A+
March 31, 2026	$242M	0.00%	5.0	A+
December 31, 2025	$240M	0.00%	5.0	A+
September 30, 2025	$236M	0.89%	5.0	A+
June 30, 2025	$237M	0.00%	5.0	A+
March 31, 2025	$241M	3.78%	5.0	A+
December 31, 2024	$236M	1.96%	5.0	A+
September 30, 2024	$240M	0.01%	5.0	A+
June 30, 2024	$235M	0.02%	5.0	A+
March 31, 2024	$231M	0.01%	5.0	A+
December 31, 2023	$231M	0.00%	5.0	A+
September 30, 2023	$223M	0.15%	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 Adams County 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 Adams County 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 Adams County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Adams County Bank

Website https://www.adamscountybank.net

Address 401 N Smith Ave, Kenesaw, NE 68956 · Adams

Bank Holding Company FIRST KENESAW CO

FDIC Certificate # 14311

Regulator FDIC

Established January 1, 1878

FDIC Insurance Date January 1, 1934

Domestic Offices 2

Total Branches 2

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.02%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.8632%

Return on Equity (ROE)

18.4900%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$241,104,000

Total Deposits

$154,566,000

Equity Capital

$24,877,000

Net Income

$2,245,000

Headquarters

Kenesaw

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Adams County Bank earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #15 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

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Frequently Asked Questions About Adams County Bank

Does Adams County Bank offer CDs?

Yes. Adams County Bank current CD rates include its CD (CDs) - 12-Month at 4.25% APY, its CD (CDs) - 24-Month at 4.25% APY and its CD (CDs) - 36-Month at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Adams County Bank FDIC insured?

Yes. Adams County Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Adams County Bank?

The highest Adams County Bank CD rate is its Certificate of Deposits (CDs) - 12-Month at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Adams County Bank offer?

Adams County Bank CD rates are 4.25% APY for a 12 month CD, 4.25% APY for a 2 year CD, 4.25% APY for a 3 year CD, 4.25% APY for a 4 year CD and 4.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Adams County Bank for its full lineup.

What is the highest savings rate at Adams County Bank?

The highest Adams County Bank savings rate is its Passbook Savings Accounts at 1.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Adams County Bank?

The highest Adams County Bank money market rate is its Money Market Accounts at 1.36% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Adams County Bank operate?

Adams County Bank currently maintains approximately 2 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, Adams County 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, Adams County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Adams County Bank offer online and mobile banking?

Most modern institutions like Adams County 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.adamscountybank.net.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Adams County Bank rates compare?

Adams County Bank's top CD rate of 4.25% APY on a 12 month CD is 40% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Adams County Bank's top rates are its 12-Months Certificate of Deposits (CDs) - 12-Month at 4.25% APY, its Passbook Savings Accounts at 1.10% APY and its Money Market Accounts at 1.36% APY, verified by MonitorBankRates on November 6, 2026.

Current Adams County Bank Rates

12-Month CD4.04%
24-Month CD4.04%
36-Month CD4.04%
48-Month CD4.04%
60-Month CD4.04%
Savings1.10%
MMA1.36%

Retrieved from our database of financial products. Rates subject to change.

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Adams County Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Adams County Bank Texas Ratio

Adams County Bank Health Trend

Adams County Bank CD Rates

Adams County Bank Savings Rates

Adams County Bank Money Market Rates

Adams County Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Adams County Bank earned the Top 100 Healthiest badge

Customer Reviews

Frequently Asked Questions About Adams County Bank

Does Adams County Bank offer CDs?

Are CDs from Adams County Bank FDIC insured?

What is the highest CD rate at Adams County Bank?

What CD terms does Adams County Bank offer?

What is the highest savings rate at Adams County Bank?

What is the highest money market rate at Adams County Bank?

How many branches does Adams County Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Adams County Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Adams County Bank rates compare?

Current Adams County Bank Rates

Compare to Other Banks