What are the current interest rates at Bank of 1889?

Current rates for Bank of 1889 include: 12-Month CD: 2.769%, 24-Month CD: 2.516%, 36-Month CD: 2.01%, Savings: 0.10%, MMA: 0.50%

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Bank of 1889

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Bank of 1889 Rates & Review November 2026

Q: What CD terms does Bank of 1889 offer?

Bank of 1889 CD rates are 3.022% APY for a 6 month CD, 3.779% APY for a 7 month CD, 2.769% APY for a 12 month CD, 2.516% APY for a 2 year CD and 2.01% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of 1889 for its full lineup.

Q: How many branches does Bank of 1889 operate?

Bank of 1889 currently maintains approximately 12 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, Bank of 1889 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, Bank of 1889 provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Bank of 1889's 7-Month CD rates are at 3.779%, 6-Month CD rates are at 3.022%, 1 Year CD rates are at 2.769%, 2 Year CD rates are at 2.516%, 3 Year CD rates are at 2.01%. Bank of 1889's savings rates are at 0.10%. Bank of 1889's money market rates are at 0.50%. Bank of 1889's top CD rate of 3.78% APY on a 7 month CD is 33% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Bank of 1889 with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.27%. Rates last updated and verified on 11/05/2026.

Bank of 1889 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 Bank of 1889? Share your experience about Bank of 1889 by leaving a review below, or read customer reviews before you decide to use Bank of 1889.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.27%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Bank of 1889

305 Public Sq
Berryville, AR 72616

https://www.1889.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.

Bank of 1889 CD Rates

Product	Rate	APY	Term	Min. Deposit
7-Month CD	-	3.779%	7 Month	$500
Min Deposit $500 Details Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.78% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
6-Month CD	-	3.022%	6 Month	$500
Min Deposit $500 Details Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 3.02% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
1-Year CD	-	2.769%	1 Year	$500
Min Deposit $500 Details Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.77% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
IRA 12-Month CD	-	2.769%	12 months	$500
Min Deposit $500 Min Balance $500 Details IRA CD balance of $500 or more; interest accrued daily at current rate Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.77% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
2-Year CD	-	2.516%	2 Year	$500
Min Deposit $500 Details Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.52% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
IRA 24-Month CD	-	2.516%	24 months	$500
Min Deposit $500 Min Balance $500 Details IRA CD balance of $500 or more; interest accrued daily at current rate Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
3-Year CD	-	2.01%	3 Year	$500
Min Deposit $500 Details Interest rates current as of 12/15/25; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 2.01% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Bank of 1889 Savings Rates

Product	Rate	APY
Regular Savings Account	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details Interest accrued quarterly; Must have a minimum balance of $100.00 to obtain interest APY; Service Charge: $2 per statement cycle if minimum daily balance is less than $100; Check Card Fee: $0 (checking account relationship required); Transaction Limit: 2 free withdrawals; $1 per debit item after 2 per statement cycle; Dormant account fee: $5 per month with balance less than $100; Rates current as of 9/20/18 Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Young Savers (Ages 0-18)	0.10%	0.10%
Min Deposit $25 Min Balance $1 Details Ages: 0-18; For minors age 0-18; Interest accrued quarterly; Must have a minimum balance of $1.00 to obtain interest APY; Service Charge: $0; Check Card Fee: $0 (checking account relationship required); Transaction Limit: 2 free withdrawals; $1 per debit item after 2 per statement cycle; Rates current as of 9/20/18 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

Bank of 1889 Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 and over; Service charge $0 per statement cycle with minimum daily balance of $1,000 or more; Interest accrued monthly at current rate Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Money Market	0.25%	0.25%
Min Deposit $2,500 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.00; Service charge $7.50 per statement cycle if daily balance falls below $1,000; Interest accrued monthly at current rate Last Updated 11/05/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 14 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%

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

Financial Health History

Bank of 1889’s Texas Ratio rose from 5.38% in Q3 2023 to 6.27% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. 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	$339M	6.27%	5.0	A
March 31, 2026	$335M	6.87%	5.0	A
December 31, 2025	$331M	7.59%	5.0	A
September 30, 2025	$314M	8.04%	5.0	A
June 30, 2025	$307M	7.66%	5.0	A
March 31, 2025	$302M	11.38%	5.0	A
December 31, 2024	$301M	14.27%	5.0	A-
September 30, 2024	$301M	8.72%	5.0	A
June 30, 2024	$298M	8.84%	5.0	A
March 31, 2024	$287M	7.44%	5.0	A
December 31, 2023	$288M	6.50%	5.0	A
September 30, 2023	$288M	5.38%	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 Bank of 1889 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 Bank of 1889 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 Bank of 1889's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of 1889

Website https://www.1889.bank

Address 305 Public Sq, Berryville, AR 72616 · Carroll

Bank Holding Company BK 1889 EMPLOYEE STK OWNERSHIP TR

FDIC Certificate # 3854

Regulator FED

Established February 18, 1889

FDIC Insurance Date January 1, 1934

Domestic Offices 12

Total Branches 12

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.27%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

2.0144%

Return on Equity (ROE)

18.4900%

Non-Performing Loans Ratio (NPL)

0.65%

Total Assets

$339,236,000

Total Deposits

$298,804,000

Equity Capital

$37,075,000

Net Income

$3,373,000

Headquarters

Berryville

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank of 1889 earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Bank of 1889

Does Bank of 1889 offer CDs?

Yes. Bank of 1889 current CD rates include its 7-Month CD at 3.779% APY, its 6-Month CD at 3.022% APY and its 1 Year CD at 2.769% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank of 1889 FDIC insured?

Yes. Bank of 1889 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 Bank of 1889?

The highest Bank of 1889 CD rate is its 7-Month Certificate at 3.779% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank of 1889 offer?

Bank of 1889 CD rates are 3.022% APY for a 6 month CD, 3.779% APY for a 7 month CD, 2.769% APY for a 12 month CD, 2.516% APY for a 2 year CD and 2.01% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Bank of 1889 for its full lineup.

What is the highest savings rate at Bank of 1889?

The highest Bank of 1889 savings rate is its Regular Savings Account at 0.10% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Bank of 1889?

The highest Bank of 1889 money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Bank of 1889 operate?

Bank of 1889 currently maintains approximately 12 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, Bank of 1889 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, Bank of 1889 provides members with tools to manage their accounts and build a solid financial history.

Does Bank of 1889 offer online and mobile banking?

Most modern institutions like Bank of 1889 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.1889.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 Bank of 1889 rates compare?

Bank of 1889's top CD rate of 3.78% APY on a 7 month CD is 33% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A health rating. Bank of 1889's top rates are its 7-Month Certificate at 3.779% APY, its Regular Savings Account at 0.10% APY and its Money Market at 0.50% APY, verified by MonitorBankRates on November 5, 2026.

Current Bank of 1889 Rates

12-Month CD2.769%
24-Month CD2.516%
36-Month CD2.01%
Savings0.10%
MMA0.50%

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

Bank of 1889 Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank of 1889 Texas Ratio

Bank of 1889 Health Trend

Bank of 1889 CD Rates

Bank of 1889 Savings Rates

Bank of 1889 Money Market Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank of 1889 earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank of 1889

Does Bank of 1889 offer CDs?

Are CDs from Bank of 1889 FDIC insured?

What is the highest CD rate at Bank of 1889?

What CD terms does Bank of 1889 offer?

What is the highest savings rate at Bank of 1889?

What is the highest money market rate at Bank of 1889?

How many branches does Bank of 1889 operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank of 1889 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 Bank of 1889 rates compare?

Current Bank of 1889 Rates

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