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Ascendia Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 7, 2026
Ascendia Bank's CD - 60-Month rates are at 4.20%, CD - 48-Month rates are at 4.15%, CD - 36-Month rates are at 4.10%, CD - 24-Month rates are at 4.05%, CD - 15-Month rates are at 4.00%. Ascendia Bank's savings rates are at 2.00%. Ascendia Bank's money market rates are at 3.00%. Ascendia Bank's checking rates are as high as 6.00%. Ascendia Bank's Residential Mortgage - 15 Year Fixed rates are at 5.74%, Residential Mortgage - 20 Year Fixed rates are at 6.00%, Residential Mortgage - 30 Year Fixed rates are at 6.24%. Ascendia Bank's Auto Loan Rates are as low as 7.00%. Ascendia Bank's top CD rate of 4.20% APY on a 5 year CD is 43% 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 Ascendia Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.20%. Rates last updated and verified on 11/07/2026.
Ascendia 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 Ascendia Bank? Share your experience about Ascendia Bank by leaving a review below, or read customer reviews before you decide to use Ascendia Bank.
Ascendia Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Ascendia Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.20%
ExcellentLower than avg
Ascendia Bank Texas Ratio
Ascendia Bank's Texas Ratio is 1.20%, which is considered excellent and is lower than the national average of 5.85%.
Ascendia Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.63% to 1.20% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Ascendia Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD - 60-Month
-
4.20%
60-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 48-Month
-
4.15%
48-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.15% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 36-Month
-
4.10%
36-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 24-Month
-
4.05%
24-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 15-Month
-
4.00%
15-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 12-Month
-
3.50%
12-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 9-Month
3.16%
3.25%
9-Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 18-Month
2.92%
3.00%
18-Month
$500
Min Deposit$500
Min Balance$500
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 6-Month
2.92%
3.00%
6-Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
CD - 3-Month
1.47%
1.50%
3-Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsAPY = Annual Percentage Yield. Penalty may be applied for early withdrawal. Certificate terms for 6 months and above are available for IRA accounts.
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 1.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Ascendia Bank Savings Rates
Product
Rate
APY
View More
Welcome Tiered Statement Savings
1.95%
2.00%
Min Deposit$5
Min Balance$250,000
DetailsBalance: $250,000 and over; New money only; Tier Three; Open in branch (visit local branch); Minimum to obtain APY is $.01
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Welcome Tiered Statement Savings
1.71%
1.75%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000.00-$249,999.99; New money only; Tier Two; Open in branch (visit local branch); Minimum to obtain APY is $.01
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Welcome Tiered Statement Savings
1.47%
1.50%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.01-$49,999.99; New money only; Tier One; Open in branch (visit local branch); Minimum to obtain APY is $.01
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.15%
0.15%
Min Deposit$5
Min Balance$150,000
DetailsBalance: $150,000.00 and over
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.10%
0.10%
Min Deposit$5
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.10%
0.10%
Min Deposit$5
Min Balance$100,000
DetailsBalance: $100,000.00 - $149,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.05%
0.05%
Min Deposit$5
Min Balance$0
DetailsBalance: $0.00 - $999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.05%
0.05%
Min Deposit$5
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Tiered Statement Savings
0.05%
0.05%
Min Deposit$5
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Ascendia Bank Checking Rates
Product
Rate
APY
View More
Active Interest Checking
-
6.00%
Min Deposit$50
DetailsQualifications Required; Balance up to $30,000.00; 0.03% APY if qualifications not met; ATM fee refunds up to $25 monthly ($4.99 per transaction); Contact your local branch to open
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 6.00% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
New Heights Money Market Checking
2.92%
3.00%
Min Deposit$1,000
Min Balance$50,000
DetailsBalance: $50,000.00 and over; New money only; Tier Two; Open in branch (visit local branch); Minimum to obtain APY is $.01
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Centennial Money Market Checking
1.71%
1.75%
Min Deposit$1,000
Min Balance$250,000
DetailsBalance: $250,000 and above; New money only; Minimum to obtain APY is $.01; $5.00 monthly maintenance charge if daily balance falls below $1,000
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.75% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
New Heights Money Market Checking
1.47%
1.50%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0.01-$49,999.99; New money only; Tier One; Open in branch (visit local branch); Minimum to obtain APY is $.01; $5.00 monthly maintenance charge if daily balance falls below $1,000
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.50% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Centennial Money Market Checking
1.23%
1.25%
Min Deposit$1,000
Min Balance$75,000
DetailsBalance: $75,000 - $249,999.99; New money only; Minimum to obtain APY is $.01; $5.00 monthly maintenance charge if daily balance falls below $1,000
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 1.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Centennial Money Market Checking
0.25%
0.25%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0.01 - $74,999.99; New money only; Minimum to obtain APY is $.01; $5.00 monthly maintenance charge if daily balance falls below $1,000
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Money Market Checking
0.10%
0.10%
Min Deposit$1,000
Min Balance$5
DetailsMinimum to obtain APY $5.00; $5.00 monthly maintenance charge if daily balance falls below $1,000
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Ascendia Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
Residential Mortgage - 15 Year Fixed
5.74%
3
6.37%
15 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.05% → 6.37% ▲ 0.32 pts · high 6.51% / low 6.05%
Nov 7, 20266.37%▼ from 6.51%
Oct 22, 20266.51%▲ from 6.31%
Oct 1, 20266.31%▲ from 6.05%
Sep 24, 20266.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 15 Year Fixed
5.99%
2
6.461%
15 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.15% → 6.46% ▲ 0.32 pts · high 6.60% / low 6.15%
Nov 7, 20266.46%▼ from 6.60%
Oct 22, 20266.60%▲ from 6.40%
Oct 1, 20266.40%▲ from 6.15%
Sep 24, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 20 Year Fixed
6.00%
3
6.505%
20 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.19% → 6.51% ▲ 0.31 pts · high 6.63% / low 6.19%
Nov 7, 20266.51%▼ from 6.63%
Oct 22, 20266.63%▲ from 6.45%
Oct 1, 20266.45%▲ from 6.19%
Sep 24, 20266.19%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 15 Year Fixed
6.24%
1
6.551%
15 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.24% → 6.55% ▲ 0.31 pts · high 6.69% / low 6.24%
Nov 7, 20266.55%▼ from 6.69%
Oct 22, 20266.69%▲ from 6.49%
Oct 1, 20266.49%▲ from 6.24%
Sep 24, 20266.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 30 Year Fixed
6.24%
3
6.626%
30 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.46% → 6.63% ▲ 0.16 pts · high 6.89% / low 6.46%
Nov 7, 20266.63%▼ from 6.89%
Oct 22, 20266.89%▲ from 6.63%
Oct 1, 20266.63%▲ from 6.46%
Sep 24, 20266.46%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 20 Year Fixed
6.25%
2
6.628%
20 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.32% → 6.63% ▲ 0.31 pts · high 6.76% / low 6.32%
Nov 7, 20266.63%▼ from 6.76%
Oct 22, 20266.76%▲ from 6.57%
Oct 1, 20266.57%▲ from 6.32%
Sep 24, 20266.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 15 Year Fixed
6.49%
0
6.642%
15 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.33% → 6.64% ▲ 0.31 pts · high 6.78% / low 6.33%
Nov 7, 20266.64%▼ from 6.78%
Oct 22, 20266.78%▲ from 6.58%
Oct 1, 20266.58%▲ from 6.33%
Sep 24, 20266.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 20 Year Fixed
6.50%
1
6.751%
20 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.44% → 6.75% ▲ 0.31 pts · high 6.88% / low 6.44%
Nov 7, 20266.75%▼ from 6.88%
Oct 22, 20266.88%▲ from 6.69%
Oct 1, 20266.69%▲ from 6.44%
Sep 24, 20266.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 30 Year Fixed
6.49%
2
6.78%
30 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.62% → 6.78% ▲ 0.16 pts · high 7.05% / low 6.62%
Nov 7, 20266.78%▼ from 7.05%
Oct 22, 20267.05%▲ from 6.78%
Oct 1, 20266.78%▲ from 6.62%
Sep 24, 20266.62%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 20 Year Fixed
6.75%
0
6.872%
20 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.56% → 6.87% ▲ 0.31 pts · high 7.00% / low 6.56%
Nov 7, 20266.87%▼ from 7.00%
Oct 22, 20267.00%▲ from 6.81%
Oct 1, 20266.81%▲ from 6.56%
Sep 24, 20266.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 30 Year Fixed
6.74%
1
6.933%
30 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.77% → 6.93% ▲ 0.16 pts · high 7.20% / low 6.77%
Nov 7, 20266.93%▼ from 7.20%
Oct 22, 20267.20%▲ from 6.99%
Oct 1, 20266.99%▲ from 6.77%
Sep 24, 20266.77%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Residential Mortgage - 30 Year Fixed
6.99%
0
7.085%
30 Year
No additional details.
Last Updated11/07/2026
Rate History
3 changes since Sep 24, 2026 · 6.92% → 7.09% ▲ 0.16 pts · high 7.35% / low 6.92%
Nov 7, 20267.09%▼ from 7.35%
Oct 22, 20267.35%▲ from 7.09%
Oct 1, 20267.09%▲ from 6.92%
Sep 24, 20266.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Ascendia Bank Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Line of Credit (HELOC) Loans
6.75%
-
6.75%
15 Year
DetailsWSJ Prime minus .25%; Variable Rate Account, rates can change monthly; Minimum APR 4.00%, maximum APR 15.00%; Maximum line of credit $500,000.00
Last Updated11/07/2026
Rate History
2 changes since Sep 16, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00%
Oct 27, 20266.75%▲ from 6.25%
Sep 20, 20266.25%▲ from 6.00%
Sep 16, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Home Equity Line of Credit (HELOC) Loans
6.75%
-
6.75%
20 Year
DetailsWSJ Prime minus .25%; Variable Rate Account, rates can change monthly; Minimum APR 4.00%, maximum APR 15.00%; Maximum line of credit $500,000.00
Last Updated11/07/2026
Rate History
2 changes since Sep 16, 2026 · 6.00% → 6.75% ▲ 0.75 pts · high 6.75% / low 6.00%
Oct 27, 20266.75%▲ from 6.25%
Sep 20, 20266.25%▲ from 6.00%
Sep 16, 20266.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Ascendia Bank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Automobile Loan - New
7.00%
-
7.00%
3 Years
DetailsNew vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 22, 20267.00%▲ from 6.50%
Oct 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Automobile Loan - Used
7.00%
-
7.00%
2 Years
DetailsUsed vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 6.50% → 7.00% ▲ 0.50 pts · high 7.00% / low 6.50%
Oct 22, 20267.00%▲ from 6.50%
Oct 14, 20266.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Automobile Loan - New
7.50%
-
7.50%
4 Years
DetailsNew vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
Oct 22, 20267.50%▲ from 7.00%
Oct 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Automobile Loan - Used
7.50%
-
7.50%
3 Years
DetailsUsed vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 7.00%
Oct 22, 20267.50%▲ from 7.00%
Oct 14, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Automobile Loan - New
8.00%
-
8.00%
5 Years
DetailsNew vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50%
Oct 22, 20268.00%▲ from 7.50%
Oct 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Automobile Loan - Used
8.00%
-
8.00%
4 Years
DetailsUsed vehicle
Last Updated11/07/2026
Rate History
1 change since Oct 14, 2026 · 7.50% → 8.00% ▲ 0.50 pts · high 8.00% / low 7.50%
Oct 22, 20268.00%▲ from 7.50%
Oct 14, 20267.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.20%
Financial Health History
Ascendia Bank’s Texas Ratio stayed near 1.63% in Q3 2023 to 1.20% 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
$395M
1.20%
5.0
A+
March 31, 2026
$388M
0.48%
5.0
A+
December 31, 2025
$378M
0.49%
5.0
A+
September 30, 2025
$390M
1.07%
5.0
A+
June 30, 2025
$390M
2.00%
5.0
A+
March 31, 2025
$394M
1.85%
5.0
A+
December 31, 2024
$392M
2.01%
5.0
A+
September 30, 2024
$387M
0.80%
5.0
A+
June 30, 2024
$386M
0.95%
5.0
A+
March 31, 2024
$382M
0.53%
5.0
A+
December 31, 2023
$382M
0.16%
5.0
A+
September 30, 2023
$384M
1.63%
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 Ascendia 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 Ascendia 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 Ascendia Bank's official website for the most current offers and terms.
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Ascendia Bank
Does Ascendia Bank offer CDs?
Yes. Ascendia Bank current CD rates include its CD - 60-Month at 4.20% APY, its CD - 48-Month at 4.15% APY and its CD - 36-Month at 4.10% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Ascendia Bank FDIC insured?
Yes. Ascendia 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 Ascendia Bank?
The highest Ascendia Bank CD rate is its Certificate of Deposit - 60-Month at 4.20% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Ascendia Bank offer?
Ascendia Bank CD rates are 3.50% APY for a 12 month CD, 4.00% APY for a 15 month CD, 3.00% APY for an 18 month CD, 4.05% APY for a 2 year CD, 4.10% APY for a 3 year CD, 4.15% APY for a 4 year CD and 4.20% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Ascendia Bank for its full lineup.
What is the highest savings rate at Ascendia Bank?
The highest Ascendia Bank savings rate is its Welcome Tiered Statement Savings at 2.00% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest money market rate at Ascendia Bank?
The highest Ascendia Bank money market rate is its New Heights Money Market Checking at 3.00% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest checking rate at Ascendia Bank?
The highest Ascendia Bank checking rate is its New Heights Money Market Checking at 3.00% APY, verified by MonitorBankRates as of November 7, 2026.
What is the lowest 30 year fixed mortgage rate at Ascendia Bank?
The lowest Ascendia Bank 30 year fixed mortgage rate is its Residential Mortgage - 30 Year Fixed at 6.24%, verified by MonitorBankRates as of November 7, 2026. Ascendia Bank mortgage rates are 6.24% for a 30 year mortgage, 6.00% for a 20 year mortgage and 5.74% for a 15 year mortgage.
How many branches does Ascendia Bank operate?
Ascendia Bank currently maintains approximately 5 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, Ascendia 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, Ascendia Bank provides members with tools to manage their accounts and build a solid financial history.
Does Ascendia Bank offer online and mobile banking?
Most modern institutions like Ascendia 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.ascendiabank.com.
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 Ascendia Bank rates compare?
Ascendia Bank's top CD rate of 4.20% APY on a 5 year CD is 43% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Ascendia Bank's top rates are its Certificate of Deposit - 60-Month at 4.20% APY, its Welcome Tiered Statement Savings at 2.00% APY, its New Heights Money Market Checking at 3.00% APY, its Active Interest Checking at 6.00% APY, its Residential Mortgage - 15 Year Fixed at 5.74% and its Automobile Loan - New at 7.00% APR, verified by MonitorBankRates on November 7, 2026.
Current Ascendia Bank Rates
12-Month CD3.50%
18-Month CD3.00%
24-Month CD4.05%
36-Month CD4.10%
48-Month CD4.15%
60-Month CD4.20%
Savings2.00%
MMA3.00%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
