What are the current interest rates at Bank of Bird-in-Hand?

Current rates for Bank of Bird-in-Hand include: 12-Month CD: 3.75%, 18-Month CD: 4.05%, 24-Month CD: 3.65%, 36-Month CD: 3.55%, 48-Month CD: 1.25%, 60-Month CD: 1.25%, MMA: 2.79%

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Bank of Bird-in-Hand Rates & Review November 2026

Q: What CD terms does Bank of Bird-in-Hand offer?

Bank of Bird-in-Hand CD rates are 3.75% APY for a 12 month CD, 4.05% APY for an 18 month CD, 3.65% APY for a 2 year CD, 3.55% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 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 Bird-in-Hand for its full lineup.

Q: How many branches does Bank of Bird-in-Hand operate?

Bank of Bird-in-Hand currently maintains approximately 16 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 Bird-in-Hand 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 Bird-in-Hand 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 Bird-in-Hand's 6 or 18-Month CD/IRA rates are at 4.05%, 12-Month CD/IRA rates are at 3.75%, 24-Month CD/IRA rates are at 3.65%, 36-Month CD/IRA rates are at 3.55%, 48-Month CD/IRA rates are at 1.25%. Bank of Bird-in-Hand's money market rates are at 2.79%. Bank of Bird-in-Hand's top CD rate of 4.05% APY on an 18 month CD is 38% 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 Bank of Bird-in-Hand with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.79%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Bank of Bird-in-Hand

309 N Ronks Rd
Bird In Hand, PA 17505

https://www.bihbank.com

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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 Bird-in-Hand CD Rates

Product	Rate	APY	Term	Min. Deposit
6 or 18-Month CD/IRA	-	4.05%	6 or 18 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.85% → 4.05% ▲ 0.20 pts · high 4.05% / low 3.85% Oct 20, 20264.05%▲ from 3.85% Oct 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
12-Month CD/IRA	-	3.75%	12 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.75% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
24-Month CD/IRA	-	3.65%	24 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.10% → 3.65% ▲ 0.55 pts · high 3.65% / low 3.10% Oct 20, 20263.65%▲ from 3.10% Sep 18, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
36-Month CD/IRA	-	3.55%	36 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.05% → 3.55% ▲ 0.50 pts · high 3.55% / low 3.05% Oct 20, 20263.55%▲ from 3.05% Sep 18, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
48-Month CD/IRA	-	1.25%	48 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
60-Month CD/IRA	-	1.25%	60 Month	$500
Min Deposit $500 Details APY requires minimum deposit of $500.00; applies to IRA CDs; penalty for early withdrawal applies; rates valid as of 10/16/2026 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%

Bank of Bird-in-Hand Business Money Market Rates

Product	Rate	APY
Business Money Market	2.75%	2.79%
Min Deposit $5,000 Min Balance $700,000 Details Balance: $700,000.00 or more; Average Daily Balance Requirement of $5,000.00 to avoid a $15 monthly fee; Available at all Bank of Bird-in-Hand locations; Rates valid as of March 27, 2025 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.79% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
Business Money Market	2.25%	2.28%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.00 - $699,999.99; Average Daily Balance Requirement of $5,000.00 to avoid a $15 monthly fee; Available at all Bank of Bird-in-Hand locations; Rates valid as of March 27, 2025 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.28% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%

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 Bird-in-Hand’s Texas Ratio rose from 0.61% in Q3 2023 to 1.79% 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	$1.9B	1.79%	5.0	A+
March 31, 2026	$1.8B	1.90%	5.0	A+
December 31, 2025	$1.8B	1.73%	5.0	A+
September 30, 2025	$1.7B	1.86%	5.0	A+
June 30, 2025	$1.7B	0.23%	5.0	A+
March 31, 2025	$1.6B	0.26%	5.0	A+
December 31, 2024	$1.6B	0.14%	5.0	A+
September 30, 2024	$1.6B	0.14%	5.0	A+
June 30, 2024	$1.5B	0.12%	5.0	A+
March 31, 2024	$1.4B	0.12%	5.0	A+
December 31, 2023	$1.4B	0.12%	5.0	A+
September 30, 2023	$1.3B	0.61%	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 Bird-in-Hand 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 Bird-in-Hand 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 Bird-in-Hand's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of Bird-in-Hand

Website https://www.bihbank.com

Address 309 N Ronks Rd, Bird In Hand, PA 17505 · Lancaster

Bank Holding Company GELT BCORP INC

FDIC Certificate # 59074

Regulator FDIC

Established November 29, 2013

FDIC Insurance Date November 29, 2013

Domestic Offices 16

Total Branches 16

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.79%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1687%

Return on Equity (ROE)

12.2000%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

$1,907,569,000

Total Deposits

$1,681,960,000

Equity Capital

$183,559,000

Net Income

$10,778,000

Headquarters

Bird In Hand

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank of Bird-in-Hand earned the Verified Healthy badge

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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Bank of Bird-in-Hand

Does Bank of Bird-in-Hand offer CDs?

Yes. Bank of Bird-in-Hand current CD rates include its 6 or 18-Month CD/IRA at 4.05% APY, its 12-Month CD/IRA at 3.75% APY and its 24-Month CD/IRA at 3.65% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Bank of Bird-in-Hand FDIC insured?

Yes. Bank of Bird-in-Hand 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 Bird-in-Hand?

The highest Bank of Bird-in-Hand CD rate is its 6 or 18-Month CD/IRA at 4.05% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Bank of Bird-in-Hand offer?

Bank of Bird-in-Hand CD rates are 3.75% APY for a 12 month CD, 4.05% APY for an 18 month CD, 3.65% APY for a 2 year CD, 3.55% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 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 Bird-in-Hand for its full lineup.

What is the highest money market rate at Bank of Bird-in-Hand?

The highest Bank of Bird-in-Hand money market rate is its Business Money Market at 2.79% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Bank of Bird-in-Hand operate?

Bank of Bird-in-Hand currently maintains approximately 16 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 Bird-in-Hand 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 Bird-in-Hand provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Bird-in-Hand offer online and mobile banking?

Most modern institutions like Bank of Bird-in-Hand 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.bihbank.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 Bank of Bird-in-Hand rates compare?

Bank of Bird-in-Hand's top CD rate of 4.05% APY on an 18 month CD is 38% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Bank of Bird-in-Hand's top rates are its 6 or 18-Month CD/IRA at 4.05% APY and its Business Money Market at 2.79% APY, verified by MonitorBankRates on November 5, 2026.

Current Bank of Bird-in-Hand Rates

12-Month CD3.75%
18-Month CD4.05%
24-Month CD3.65%
36-Month CD3.55%
48-Month CD1.25%
60-Month CD1.25%
MMA2.79%

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

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Bank of Bird-in-Hand Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Bank of Bird-in-Hand Texas Ratio

Bank of Bird-in-Hand Health Trend

Bank of Bird-in-Hand CD Rates

Bank of Bird-in-Hand Business Money Market Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Bank of Bird-in-Hand earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Bank of Bird-in-Hand

Does Bank of Bird-in-Hand offer CDs?

Are CDs from Bank of Bird-in-Hand FDIC insured?

What is the highest CD rate at Bank of Bird-in-Hand?

What CD terms does Bank of Bird-in-Hand offer?

What is the highest money market rate at Bank of Bird-in-Hand?

How many branches does Bank of Bird-in-Hand operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Bank of Bird-in-Hand 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 Bird-in-Hand rates compare?

Current Bank of Bird-in-Hand Rates

Compare to Other Banks