What are the current interest rates at Amarillo National Bank?

Current rates for Amarillo National Bank include: 12-Month CD: 3.75%, 18-Month CD: 4.00%, 24-Month CD: 2.70%, 36-Month CD: 2.70%, 48-Month CD: 2.70%, 60-Month CD: 2.70%, Savings: 1.40%, MMA: 1.40%

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Amarillo National Bank

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Amarillo National Bank Rates & Review September 2026

Q: How many branches does Amarillo National Bank operate?

Amarillo National Bank currently maintains approximately 35 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, Amarillo National 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, Amarillo National 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

Amarillo National Bank's 18-Months 18-Month Certificate of Deposit rates are at 4.00%, 12-Months 12-Month Certificate of Deposit rates are at 3.75%, 6-Months 6-Month Certificate of Deposit rates are at 3.60%, 30-150 Days 30 - 150 Day Certificate of Deposit rates are at 3.50%, 24-Months 24-Month Certificate of Deposit rates are at 2.70%. Amarillo National Bank's savings rates are at 1.40%. Amarillo National Bank's money market rates are at 1.40%. MonitorBankRates evaluates the financial stability of Amarillo National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.89%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.89%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Amarillo National Bank

410 S Taylor St
Amarillo, TX 79101

https://www.anb.com

Amarillo National Bank CD Rates

Product	Rate	APY	Term
18 Month Certificate of Deposit	-	4.00%	18 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
12 Month Certificate of Deposit	-	3.75%	12 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
6 Month Certificate of Deposit	-	3.60%	6 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
30 - 150 Day Certificate of Deposit	-	3.50%	30-150 Days
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
24 Month Certificate of Deposit	-	2.70%	24 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
3 Year Certificate of Deposit	-	2.70%	3 Years
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
4 Year Certificate of Deposit	-	2.70%	4 Years
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
5 Year Certificate of Deposit	-	2.70%	5 Years
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%

Amarillo National Bank Savings Rates

Product	Rate	APY
Savings	-	3.15%
Min Balance $1,000,000 Details Balance: $1,000,000 - Up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Savings	-	2.15%
Min Balance $100,000 Details Balance: $100,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Savings	-	1.55%
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Savings	-	1.40%
Min Balance $0 Details Balance: $0 - $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%

Amarillo National Bank Money Market Rates

Product	Rate	APY
Personal Money Market	-	3.15%
Min Balance $1,000,000 Details Balance: $1,000,000 - Up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Money Market	-	2.15%
Min Balance $100,000 Details Balance: $100,000 - 999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Money Market	-	1.55%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Money Market	-	1.40%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%

Amarillo National Bank Checking Rates

Product	Rate	APY
Commercial Interest Checking	-	3.15%
Min Balance $1,000,000 Details Balance: $1,000,000 - Up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Interest Checking	-	3.15%
Min Balance $1,000,000 Details Balance: $1,000,000 - Up Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Commercial Interest Checking	-	2.15%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Interest Checking	-	2.15%
Min Balance $100,000 Details Balance: $100,000 - $999,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Commercial Interest Checking	-	1.55%
Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Interest Checking	-	1.55%
Min Balance $10,000 Details Balance: $10,000 - $99,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Commercial Interest Checking	-	1.40%
Min Balance $1,000 Details Balance: $1,000 - $49,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%
Personal Interest Checking	-	1.40%
Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%

Amarillo National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Commercial ANB Repo	-	-	1.90%
Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.89%

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

Amarillo National Bank’s Texas Ratio fell from 13.79% in Q3 2023 to 9.89% in Q2 2026, so its financial health has improved 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	$10.4B	9.89%	5.0	A
March 31, 2026	$10.2B	8.52%	5.0	A
December 31, 2025	$9.6B	10.30%	5.0	A
September 30, 2025	$10.0B	11.87%	5.0	A
June 30, 2025	$9.8B	13.64%	5.0	A
March 31, 2025	$9.7B	12.04%	5.0	A
December 31, 2024	$9.6B	11.71%	5.0	A
September 30, 2024	$9.4B	10.27%	5.0	A
June 30, 2024	$9.2B	12.26%	5.0	A
March 31, 2024	$9.3B	11.79%	5.0	A
December 31, 2023	$9.2B	14.70%	5.0	A-
September 30, 2023	$8.8B	13.79%	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 Amarillo National 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 Amarillo National 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 Amarillo National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Amarillo National Bank

Bank Holding Company AMARILLO NATIONAL BCORP INC

Address 410 S Taylor St, Amarillo, TX 79101 · Potter

Website https://www.anb.com

FDIC Certificate # 14531

Established 18920101

FDIC Insurance Date 19340101

Domestic Offices 35

Total Branches 35

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.89%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7580%

Return on Equity (ROE) 16.0700%

Non-Performing Loans (NPL) 1.07%

Total Assets $10,380,511,000

Total Deposits $9,110,679,000

Equity Capital $1,119,796,000

Net Income $88,364,000

Headquarters Amarillo

Total Branches and Offices 35

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Amarillo National Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Amarillo National Bank

How many branches does Amarillo National Bank operate?

Amarillo National Bank currently maintains approximately 35 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, Amarillo National 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, Amarillo National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Amarillo National Bank offer online and mobile banking?

Most modern institutions like Amarillo National 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.anb.com.