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Ascend Bank Rates & Review November 2026

Q: What are the current interest rates at Ascend Bank?

Current rates for Ascend Bank include: 12-Month CD: 0.10%, 18-Month CD: 0.15%, 24-Month CD: 0.15%, 36-Month CD: 0.20%, 48-Month CD: 0.25%, 60-Month CD: 0.30%, Savings: 0.75%, MMA: 1.00%

Q: What CD terms does Ascend Bank offer?

Ascend Bank CD rates are 3.25% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.75% APY for a 17 month CD, 0.15% APY for an 18 month CD, 0.15% APY for a 2 year CD, 0.20% APY for a 3 year CD, 0.25% APY for a 4 year CD and 0.30% APY for a 5 year CD, verified by MonitorBankRates as of November 9, 2026. The institution may offer other terms or specials that are not listed here, so check with Ascend Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 9, 2026

Ascend Bank's 17-Month SMART CD - Relationship Rate rates are at 3.75%, 9-Month Smart CD - Access rates are at 3.25%, 17-Month SMART CD+ - Access rates are at 3.00%, 18-Month CD rates are at 0.05%, 12-Month SMART CD - Prime Access Checking rates are at 3.90%. Ascend Bank's savings rates are at 0.75%. Ascend Bank's money market rates are at 1.00%. Ascend Bank's checking rates are as high as 0.05%. Ascend Bank's Conventional Fixed Rate Mortgage - 15 years rates are at 6.00%, Conventional Fixed Rate Mortgage - 10 years rates are at 5.875%, 5/6 ARM rates are at 6.375%, 7/6 ARM rates are at 6.50%, Conventional Fixed Rate Mortgage - 20 years rates are at 6.50%. Ascend Bank's Auto Loan Rates are as low as 7.25%. Ascend Bank's top CD rate of 4.00% APY on a 19 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Ascend Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.87%. Rates last updated and verified on 11/09/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.87%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Ascend Bank

1 Park St
Guilford, CT 06437

https://www.ascend.bank

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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.

Ascend Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
19-Month SMART CD with Bump Up Feature - Access	3.78%	3.85%	19 months	-
Details Interest rate/APY with Access Checking account; Rate/APY shown as 3.78% / 3.85% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
17-Month SMART CD - Relationship Rate	3.69%	3.75%	17 months	-
Min Balance $5,000 Details Requires an open - Prime Access Checking; Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Nov 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
17-Month SMART IRA CD - Relationship Rate	3.69%	3.75%	17 months	-
Min Balance $5,000 Details Requires an open - Prime Access Checking; IRA; Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Nov 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9-Month Smart CD - Access	3.20%	3.25%	9 months	$5,000
Min Deposit $5,000 Details Access checking relationship required; rate/APY shown as Rate / APY; minimum amount to open $5,000.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
17-Month SMART CD - Relationship Rate	2.96%	3.00%	17 months	-
Min Balance $5,000 Details Requires an open - Preferred or Access Checking; Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Nov 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
17-Month SMART CD+ - Access	2.96%	3.00%	17 months	-
Min Balance $5,000 Details Checking relationship required; Access Checking tier; Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
17-Month SMART IRA CD - Relationship Rate	2.96%	3.00%	17 months	-
Min Balance $5,000 Details Requires an open - Preferred or Access Checking; IRA; Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Nov 9, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5-Year CD or IRA CD	0.20%	0.20%	5 years	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
4-Year CD or IRA CD	0.15%	0.15%	4 years	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3-Year CD or IRA CD	0.10%	0.10%	3 years	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
1-Year CD or IRA CD	0.05%	0.05%	1 year	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
18-Month CD	0.05%	0.05%	18 months	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
2-Year CD or IRA CD	0.05%	0.05%	2 years	-
Min Balance $1,000 Details Standard rate (no relationship required) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Business CD Rates

Product	Rate	APY	Term	Min. Deposit
6-MONTH BUSINESS CD SPECIAL	3.40%	3.45%	6 months	$5,000
Min Deposit $5,000 Min Balance $5,000 Details Balance to earn APY: $5,000.00; OPEN NOW (6 MO BUS CD SPECIAL) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3-MONTH BUSINESS CD SPECIAL	3.20%	3.25%	3 months	$5,000
Min Deposit $5,000 Min Balance $5,000 Details Balance to earn APY: $5,000.00; OPEN NOW (3 MO BUS CD SPECIAL) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3-YEAR BUSINESS CD	0.50%	0.50%	3 years	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance to earn APY: $1,000.00; Learn More (3 YR BUS CD) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
2-YEAR BUSINESS CD	0.30%	0.30%	2 years	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance to earn APY: $1,000.00; Learn More (2 YR BUS CD) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
1-YEAR BUSINESS CD	0.20%	0.20%	1 year	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance to earn APY: $1,000.00; Learn More (1 YR BUS CD) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
6-MONTH BUSINESS CD	0.20%	0.20%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance to earn APY: $1,000.00; Learn More (6 MO BUS CD) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3-MONTH BUSINESS CD	0.05%	0.05%	3 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance to earn APY: $1,000.00; Learn More (3 MO BUS CD) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.75%	0.75%
Min Deposit $0 Min Balance $50,000 Details Minimum Daily Balance to earn APY: $50,000; Relationship: Prime Access Checking; Minimum opening deposit: $0.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Health Savings Account	0.50%	0.50%
Min Deposit $0 Min Balance $5,000 Details Minimum Daily Balance to earn APY: $5,000; Relationship: Prime Access Checking; Minimum opening deposit: $0.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Health Savings Account	0.20%	0.20%
Min Deposit $0 Min Balance $15,000 Details Minimum Daily Balance to earn APY: $15,000; Relationship: Prime Access Checking; Minimum opening deposit: $0.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Health Savings Account	0.10%	0.10%
Min Deposit $0 Min Balance $5,000 Details Minimum Daily Balance to earn APY: $5,000; Relationship: Prime Access Checking; Minimum opening deposit: $0.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Savings	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Relationship: Prime Access Checking; Open Now (SMART SAVINGS) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Health Savings Account	0.05%	0.05%
Min Deposit $0 Min Balance $1,000 Details Minimum Daily Balance to earn APY: $1,000; Relationship: Prime Access Checking; Minimum opening deposit: $0.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Savings	0.05%	0.05%
Min Deposit $50 Min Balance $50 Details Relationship: Preferred Access Checking; Open Now (SMART SAVINGS) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
E-SAVINGS	0.02%	0.02%
Min Deposit $50 Min Balance $50 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
IRA STATEMENT SAVINGS	0.02%	0.02%
Min Deposit $50 Min Balance $50 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
SCHOOL SAVINGS	0.02%	0.02%
Min Deposit $5 Min Balance $0 Details Contact Us to open Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Savings	0.02%	0.02%
Min Deposit $50 Min Balance $50 Details Relationship: Access Checking; Open Now (SMART SAVINGS) Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Business Savings Rates

Product	Rate	APY
Business Preferred Savings	0.05%	0.05%
Min Deposit $50 Min Balance $50 Details This account is only available with a Business Select Plus or Business Select Checking account. Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Business E-Savings	0.02%	0.02%
Min Deposit $50 Min Balance $50 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Money Market Rates

Product	Rate	APY
Smart Money Market	1.00%	1.00%
Min Deposit $2,500 Min Balance $250,000 Details Relationship: Prime Access Checking; Balance: $250,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.80%	0.80%
Min Deposit $2,500 Min Balance $50,000 Details Relationship: Prime Access Checking; Balance: $50,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.70%	0.70%
Min Deposit $2,500 Min Balance $250,000 Details Relationship: Preferred Access Checking; Balance: $250,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.60%	0.60%
Min Deposit $2,500 Min Balance $0 Details Relationship: Prime Access Checking; Balance: $0.01 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $50,000 Details Relationship: Preferred Access Checking; Balance: $50,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Relationship: Access Checking; Balance: $250,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $0 Details Relationship: Preferred Access Checking; Balance: $0.01 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.30%	0.30%
Min Deposit $2,500 Min Balance $50,000 Details Relationship: Access Checking; Balance: $50,000.00 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $0 Details Relationship: Access Checking; Balance: $0.01 and over; Rate is based on related checking account Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Mutual Interest Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $50 Details Balance tier starting at $50.00; Mutual Interest MM Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Mutual Interest Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $10,000 Details Balance tier starting at $10,000.00; Mutual Interest MM Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Mutual Interest Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $25,000 Details Balance tier starting at $25,000.00; Mutual Interest MM Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Mutual Interest Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $50,000 Details Balance tier starting at $50,000.00; Mutual Interest MM Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Business Money Market Rates

Product	Rate	APY
BUSINESS PREFERRED MONEY MARKET	0.15%	0.15%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS MONEY MARKET	0.10%	0.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	0.10%	0.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS MONEY MARKET	0.05%	0.05%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	0.05%	0.05%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS MONEY MARKET	0.02%	0.02%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	0.02%	0.02%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $49,999.99 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Checking Rates

Product	Rate	APY
Prime Access Checking	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Minimum daily balance to earn APY: $2,500.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Access Checking	0.02%	0.02%
Min Deposit $50 Min Balance $50 Details Minimum daily balance to earn APY: $50.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Preferred Access Checking	0.02%	0.02%
Min Deposit $50 Min Balance $1,500 Details Minimum daily balance to earn APY: $1,500.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed Rate Mortgage - 15 years	6.00%	2.00%	6.59%	15 years
Details Max LTV 95%; loan amounts up to $832,750; APR based on $100,000 loan; rate applies with Ascend Bank Access, Preferred Access or Prime Access checking and auto-deducted mortgage payment, otherwise 0.125% higher; Payment per $10,000 excluded Last Updated 11/09/2026 Rate History 1 change since Oct 30, 2026 · 6.72% → 6.59% ▼ 0.13 pts · high 6.72% / low 6.59% Nov 9, 20266.59%▼ from 6.72% Oct 30, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Conventional Fixed Rate Mortgage - 10 years	5.875%	2.00%	6.707%	10 years
Details Max LTV 95%; loan amounts up to $832,750; APR based on $100,000 loan; rate applies with Ascend Bank Access, Preferred Access or Prime Access checking and auto-deducted mortgage payment, otherwise 0.125% higher; Payment per $10,000 excluded Last Updated 11/09/2026 Rate History 1 change since Oct 30, 2026 · 6.83% → 6.71% ▼ 0.13 pts · high 6.83% / low 6.71% Nov 9, 20266.71%▼ from 6.83% Oct 30, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5/6 ARM	6.375%	0.00%	6.763%
Details Loan term: 5/6 ARM (ARM 5/6 0PT); Payment per $10,000: 60 @ $62.39 and 300 @ $64.58; APR based on $100,000 loan; Interest rate adjusts after initial fixed term Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 6.76% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
7/6 ARM	6.50%	0.00%	6.783%
Details Loan term: 7/6 ARM (ARM 7/6 0PT); Payment per $10,000: 84 @ $63.21 and 300 @ $64.60; APR based on $100,000 loan; Interest rate adjusts after initial fixed term Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 6.78% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Conventional Fixed Rate Mortgage - 20 years	6.50%	2.00%	6.979%	20 years
Details Max LTV 95%; loan amounts up to $832,750; APR based on $100,000 loan; rate applies with Ascend Bank Access, Preferred Access or Prime Access checking and auto-deducted mortgage payment, otherwise 0.125% higher; Payment per $10,000 excluded Last Updated 11/09/2026 Rate History 1 change since Oct 30, 2026 · 7.11% → 6.98% ▼ 0.13 pts · high 7.11% / low 6.98% Nov 9, 20266.98%▼ from 7.11% Oct 30, 20267.11%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Conventional Fixed Rate Mortgage - 30 years	6.625%	2.00%	6.992%	30 years
Details Max LTV 95%; loan amounts up to $832,750; APR based on $100,000 loan; rate applies with Ascend Bank Access, Preferred Access or Prime Access checking and auto-deducted mortgage payment, otherwise 0.125% higher; Payment per $10,000 excluded Last Updated 11/09/2026 Rate History 1 change since Oct 30, 2026 · 7.12% → 6.99% ▼ 0.13 pts · high 7.12% / low 6.99% Nov 9, 20266.99%▼ from 7.12% Oct 30, 20267.12%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit (HELOC) Pay Loan	-	-	6.75%	240 months
Details Current APR as of 9-18-2026; Prime (as published in the Wall Street Journal) minus 0.25 margin; Auto-pay feature required for the life of the line; Max APR 17%, min APR 3%; Max CLTV 80%; No points; Annual membership fee $95.00; Credit line $25,000-$500,000 Last Updated 11/09/2026 Rate History No change since Oct 30, 2026 · 6.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Line of Credit (primary residence only)	-	-	6.75%	240 months
Details Rate: Prime (WSJ) minus 0.25 percentage points; Auto-pay feature required for life of line; Maximum amount $500,000; Maximum CLTV 80%; No points Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Loan - Fixed Rate	6.75%	-	6.75%	5 years
Details HELOAN 5 YRS; Owner occupied property only; Max amount $500,000; LTV 80%; No points; Seasonal and second homes add 25 bps to APR; Investment property rates 2.00% higher Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 6.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Line of Credit (HELOC)	-	-	7.00%	240 months
Details Current APR as of 9-18-2026; Prime (as published in the Wall Street Journal); No Auto-Pay feature required; Max APR 17%, min APR 3%; Max CLTV 80%; No points; Annual membership fee $95.00; Credit line $25,000-$500,000 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Line of Credit (primary residence only)	-	-	7.00%	240 months
Details Rate: Prime (WSJ); No Auto-Pay feature required; Maximum amount $500,000; Maximum CLTV 80%; No points Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 7.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Loan - Fixed Rate	7.25%	-	7.25%	10 years
Details HELOAN 10 YRS; Owner occupied property only; Max amount $500,000; LTV 80%; No points; Seasonal and second homes add 25 bps to APR; Investment property rates 2.00% higher Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Home Equity Loan - Fixed Rate	7.50%	-	7.50%	15 years
Details HELOAN 15 YRS; Owner occupied property only; Max amount $500,000; LTV 80%; No points; Seasonal and second homes add 25 bps to APR; Investment property rates 2.00% higher Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 7.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Car Loans - 3 years	7.25%	-	7.25%	3 years
Details Maximum amount $50,000; LTV 90% Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
New Car Loans - 4 years	7.50%	-	7.50%	4 years
Details Maximum amount $50,000; LTV 90% Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 7.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
New Car Loans - 5 years	7.75%	-	7.75%	5 years
Details Maximum amount $50,000; LTV 90% Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Used Car Loans	8.00%	-	8.00%	4 years
Details Maximum amount $50,000; Payment per $1,000 $24.41-45.23; LTV 80% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

Ascend Bank Other Rates

Product	Rate	Points	APY/APR	Term
Residential Lot Loans	8.25%	-	8.979%	10 years
Details Maximum amount not stated; Payment per $1,000 $12.27; LTV 75% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 8.98% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Residential Lot Loans	9.25%	-	10.067%	10 years
Details Maximum amount not stated; Payment per $1,000 $12.80; LTV 75% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 10.07% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart e-Loans - 10 years	6.99%	-	6.99%	10 years
Details Maximum amount $50,000; Payment per $1,000 $11.61; LTV N/A Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart e-Loans - 12 years	7.49%	-	7.49%	12 years
Details Maximum amount $50,000; Payment per $1,000 $10.55; LTV N/A Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart e-Loans - 5 years	6.99%	-	6.99%	5 years
Details Maximum amount $50,000; Payment per $1,000 $19.80; LTV N/A Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart e-Loans - 7 years	6.99%	-	6.99%	7 years
Details Maximum amount $50,000; Payment per $1,000 $15.09; LTV N/A Last Updated 11/09/2026 Rate History No change since Oct 26, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
1 Year CD or IRA CD - Preferred or Access Checking	0.10%	-	0.10%	1 year
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
1 Year CD or IRA CD - Prime Access Checking	0.25%	-	0.25%	1 year
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 MONTH SMART CD - Access Checking	3.35%	-	3.40%	12 months
Min Deposit $5,000 Details Interest rate/APY with Access Checking account; checking relationship required; Rate/APY pair shown as 3.35% / 3.40% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 MONTH SMART CD - Preferred Access Checking	3.35%	-	3.40%	12 months
Min Deposit $5,000 Details Interest rate/APY with Preferred Access Checking account; checking relationship required; Rate/APY pair shown as 3.35% / 3.40% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 Month SMART CD - Preferred or Access Checking	3.35%	-	3.40%	12 months
Min Balance $5,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 Month SMART CD - Prime Access Checking	3.83%	-	3.90%	12 months
Min Balance $5,000 Details Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 Month SMART IRA CD - Preferred or Access Checking	3.35%	-	3.40%	12 months
Min Balance $5,000 Details IRA; Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
12 Month SMART IRA CD - Prime Access Checking	3.83%	-	3.90%	12 months
Min Balance $5,000 Details IRA; Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
18 Month CD - Preferred or Access Checking	0.15%	-	0.15%	18 months
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
18 Month CD - Prime Access Checking	0.35%	-	0.35%	18 months
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
19 Month SMART CD with Bump Up Feature - Preferred or Access Checking	3.78%	-	3.85%	19 months
Min Balance $5,000 Details Bump up feature; Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
19 Month SMART CD with Bump Up Feature - Prime Access Checking	3.93%	-	4.00%	19 months
Min Balance $5,000 Details Bump up feature; Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
2 Year CD or IRA CD - Preferred or Access Checking	0.15%	-	0.15%	2 years
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
2 Year CD or IRA CD - Prime Access Checking	0.50%	-	0.50%	2 years
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Month CD - Preferred or Access Checking	0.05%	-	0.05%	3 months
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Month CD - Prime Access Checking	0.10%	-	0.10%	3 months
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Year CD or IRA CD - Preferred or Access Checking	0.20%	-	0.20%	3 years
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
3 Year CD or IRA CD - Prime Access Checking	0.75%	-	0.75%	3 years
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
4 Year CD or IRA CD - Preferred or Access Checking	0.25%	-	0.25%	4 years
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
4 Year CD or IRA CD - Prime Access Checking	0.85%	-	0.85%	4 years
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Month SMART CD - Access Checking	3.11%	-	3.15%	5 months
Min Deposit $5,000 Details Interest rate/APY with Access checking account; Checking relationship required; Rate: 3.11%, APY: 3.15% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Month SMART CD - Preferred Access Checking	3.11%	-	3.15%	5 months
Min Deposit $5,000 Details Interest rate/APY with Preferred Access checking account; Checking relationship required; Rate: 3.11%, APY: 3.15% Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Month Smart CD - Preferred Checking	3.11%	-	3.15%	5 months
Min Balance $5,000 Details Checking relationship required; interest rate based on Preferred Access checking account; Preferred: 3.11% / 3.15%; minimum amount to open is $5,000.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Month SMART CD - Preferred or Access Checking	3.11%	-	3.15%	5 months
Min Balance $5,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Month SMART CD - Prime Access Checking	3.59%	-	3.65%	5 months
Min Balance $5,000 Details Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.65% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Year CD or IRA CD - Preferred or Access Checking	0.30%	-	0.30%	5 years
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
5 Year CD or IRA CD - Prime Access Checking	1.00%	-	1.00%	5 years
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
6 Month CD - Preferred or Access Checking	0.05%	-	0.05%	6 months
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
6 Month CD - Prime Access Checking	0.10%	-	0.10%	6 months
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month CD or IRA CD - Preferred or Access Checking	0.05%	-	0.05%	9 months
Min Balance $1,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month CD or IRA CD - Prime Access Checking	0.20%	-	0.20%	9 months
Min Balance $1,000 Details Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month SMART CD - Preferred or Access Checking	3.20%	-	3.25%	9 months
Min Balance $5,000 Details Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month SMART CD - Prime Access Checking	3.69%	-	3.75%	9 months
Min Balance $5,000 Details Open with Prime, Preferred, or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month SMART IRA CD - Preferred or Access Checking	3.20%	-	3.25%	9 months
Min Balance $5,000 Details IRA; Relationship: Preferred Access or Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
9 Month SMART IRA CD - Prime Access Checking	3.69%	-	3.75%	9 months
Min Balance $5,000 Details IRA; Relationship: Prime Access Checking Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	-	-	0.02%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 tier; Only available with a Business Select Plus or Business Select Checking account; Requires no more than six pre-authorized, telephone or internet transfers per statement period Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	-	-	0.05%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 tier; Only available with a Business Select Plus or Business Select Checking account; Requires no more than six pre-authorized, telephone or internet transfers per statement period Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	-	-	0.10%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 tier; Only available with a Business Select Plus or Business Select Checking account; Requires no more than six pre-authorized, telephone or internet transfers per statement period Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
BUSINESS PREFERRED MONEY MARKET	-	-	0.15%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 tier; Only available with a Business Select Plus or Business Select Checking account; Requires no more than six pre-authorized, telephone or internet transfers per statement period Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	-	-	0.70%
Min Deposit $2,500 Min Balance $250,000 Details Relationship: Preferred Access Checking; Balance: $250,000.00 (as printed); Minimum opening deposit: $2,500.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	-	-	0.50%
Min Deposit $2,500 Min Balance $50,000 Details Relationship: Preferred Access Checking; Balance: $50,000.00 (as printed); Minimum opening deposit: $2,500.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%
Smart Money Market	-	-	0.30%
Min Deposit $2,500 Min Balance $0 Details Relationship: Preferred Access Checking; Balance: $0.01 (as printed); Minimum opening deposit: $2,500.00 Last Updated 11/09/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.87%

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

Ascend Bank’s Texas Ratio rose from 1.72% in Q3 2023 to 3.87% 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	$1.5B	3.87%	5.0	A+
March 31, 2026	$1.5B	3.14%	5.0	A+
December 31, 2025	$1.5B	2.88%	5.0	A+
September 30, 2025	$1.4B	2.38%	5.0	A+
June 30, 2025	$1.2B	1.32%	5.0	A+
March 31, 2025	$1.2B	1.11%	5.0	A+
December 31, 2024	$1.2B	1.76%	5.0	A+
September 30, 2024	$1.2B	1.56%	5.0	A+
June 30, 2024	$1.1B	1.31%	5.0	A+
March 31, 2024	$1.1B	1.33%	5.0	A+
December 31, 2023	$1.1B	1.62%	5.0	A+
September 30, 2023	$1.1B	1.72%	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 Ascend 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 Ascend 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 Ascend Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Ascend Bank

Website https://www.ascend.bank

Address 1 Park St, Guilford, CT 06437 · South Central Connecticut

Bank Holding Company ASCEND MUTUAL HOLDING

FDIC Certificate # 18194

Regulator FDIC

Established December 6, 1875

FDIC Insurance Date July 1, 1960

Domestic Offices 13

Total Branches 13

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.87%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0340%

Return on Equity (ROE)

10.3700%

Non-Performing Loans Ratio (NPL)

0.39%

Total Assets

$1,494,910,000

Total Deposits

$1,318,424,000

Equity Capital

$151,179,000

Net Income

$7,623,000

Headquarters

Guilford

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Ascend Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Ascend Bank

Does Ascend Bank offer CDs?

Yes. Ascend Bank current CD rates include its 12-Month SMART CD - Prime Access Checking at 3.90% APY, its 17-Month SMART CD - Relationship Rate at 3.75% APY and its 9-Month Smart CD - Access at 3.25% APY, verified by MonitorBankRates as of November 9, 2026.

Are CDs from Ascend Bank FDIC insured?

Yes. Ascend 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 Ascend Bank?

The highest Ascend Bank CD rate is its 19-Month SMART CD with Bump Up Feature - Prime Access Checking at 4.00% APY, verified by MonitorBankRates as of November 9, 2026.

What CD terms does Ascend Bank offer?

Ascend Bank CD rates are 3.25% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.75% APY for a 17 month CD, 0.15% APY for an 18 month CD, 0.15% APY for a 2 year CD, 0.20% APY for a 3 year CD, 0.25% APY for a 4 year CD and 0.30% APY for a 5 year CD, verified by MonitorBankRates as of November 9, 2026. The institution may offer other terms or specials that are not listed here, so check with Ascend Bank for its full lineup.

What is the highest savings rate at Ascend Bank?

The highest Ascend Bank savings rate is its Health Savings Account at 0.75% APY, verified by MonitorBankRates as of November 9, 2026.

What is the highest money market rate at Ascend Bank?

The highest Ascend Bank money market rate is its Smart Money Market at 1.00% APY, verified by MonitorBankRates as of November 9, 2026.

What is the highest checking rate at Ascend Bank?

The highest Ascend Bank checking rate is its Prime Access Checking at 0.05% APY, verified by MonitorBankRates as of November 9, 2026.

What is the lowest 30 year fixed mortgage rate at Ascend Bank?

The lowest Ascend Bank 30 year fixed mortgage rate is its Conventional Fixed Rate Mortgage - 30 years at 6.625%, verified by MonitorBankRates as of November 9, 2026. Ascend Bank mortgage rates are 6.625% for a 30 year mortgage, 6.50% for a 20 year mortgage, 6.00% for a 15 year mortgage, 5.875% for a 10 year mortgage, 6.375% for a 5/6 ARM and 6.50% for a 7/6 ARM.

What is the lowest auto loan rate at Ascend Bank?

The lowest Ascend Bank auto loan rate is its New Car Loans - 3 years at 7.25%, verified by MonitorBankRates as of November 9, 2026. Ascend Bank auto loan rates are 7.25% for a 36 month auto loan, 7.50% for a 48 month auto loan and 7.75% for a 60 month auto loan.

How many branches does Ascend Bank operate?

Ascend Bank currently maintains approximately 13 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, Ascend 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, Ascend Bank provides members with tools to manage their accounts and build a solid financial history.

Does Ascend Bank offer online and mobile banking?

Most modern institutions like Ascend 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.ascend.bank.

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 Ascend Bank rates compare?

Ascend Bank's top CD rate of 4.00% APY on a 19 month CD is 36% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Ascend Bank's top rates are its 19-Months 19-Month SMART CD with Bump Up Feature - Prime Access Checking at 4.00% APY, its Health Savings Account at 0.75% APY, its Smart Money Market at 1.00% APY, its Prime Access Checking at 0.05% APY, its Conventional Fixed Rate Mortgage - 10 years at 5.875% and its New Car Loans - 3 years at 7.25% APR, verified by MonitorBankRates on November 9, 2026.

Current Ascend Bank Rates

12-Month CD0.10%
18-Month CD0.15%
24-Month CD0.15%
36-Month CD0.20%
48-Month CD0.25%
60-Month CD0.30%
Savings0.75%
MMA1.00%

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

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Ascend Bank Rates & Review November 2026

Brian McKay

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Frequently Asked Questions About Ascend Bank

Does Ascend Bank offer CDs?

Are CDs from Ascend Bank FDIC insured?

What is the highest CD rate at Ascend Bank?

What CD terms does Ascend Bank offer?

What is the highest savings rate at Ascend Bank?

What is the highest money market rate at Ascend Bank?

What is the highest checking rate at Ascend Bank?

What is the lowest 30 year fixed mortgage rate at Ascend Bank?

What is the lowest auto loan rate at Ascend Bank?

How many branches does Ascend Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Ascend 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 Ascend Bank rates compare?

Current Ascend Bank Rates

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