What are the current interest rates at Bank of 1889?

Current rates for Bank of 1889 include: 12-Month CD: 2.77%, 24-Month CD: 2.52%, 36-Month CD: 2.01%, MMA: 0.25%

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Bank of 1889

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Bank of 1889 Rates & Review September 2026

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: September 19, 2026

Bank of 1889's 7-Month Certificate rates are at 3.78%, 6-Month Certificate rates are at 3.02%, 1 Year Certificate rates are at 2.77%, 12-Month IRA CD rates are at 2.77%, 2 Year Certificate rates are at 2.52%. Bank of 1889's money market rates are at 0.25%. 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 09/19/2026.

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

Bank of 1889 CD Rates

Product	Rate	APY	Term
7 Month Certificate	-	3.78%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
6 Month Certificate	-	3.02%	6 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
1 Year Certificate	-	2.77%	1 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
12 Month IRA CD	-	2.77%	12 month
Min Deposit $500 Min Balance $500 Details Interest Rates and Annual Percent Yield (APY) are current as of 12/15/25 but rates are subject to change overtime, call bank to verify rates. A penalty may be imposed for early withdrawal. Interest is accrued daily at current rate. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
2 Year Certificate	-	2.52%	2 Year
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
24 Month IRA CD	-	2.52%	24 month
Min Deposit $500 Min Balance $500 Details Interest Rates and Annual Percent Yield (APY) are current as of 12/15/25 but rates are subject to change overtime, call bank to verify rates. A penalty may be imposed for early withdrawal. Interest is accrued daily at current rate. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
3 Year Certificate	-	2.01%	3 Year
No additional details. Last Updated 09/19/2026 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 Balance $10,000 Details Balance: $10,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.27%
Money Market	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000.00 - $9,999.00 Last Updated 09/19/2026 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

Institution Name Bank of 1889

Bank Holding Company BK 1889 EMPLOYEE STK OWNERSHIP TR

Address 305 Public Sq, Berryville, AR 72616 · Carroll

Website https://www.1889.bank

FDIC Certificate # 3854

Established 18890218

FDIC Insurance Date 19340101

Domestic Offices 12

Total Branches 12

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.0144%

Return on Equity (ROE) 18.4900%

Non-Performing Loans (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 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Bank of 1889 earned the Verified Healthy badge

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Frequently Asked Questions About Bank of 1889

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.