What are the current interest rates at Boone Bank & Trust Co.?

Current rates for Boone Bank & Trust Co. include: 12-Month CD: 0.89%, 18-Month CD: 0.86%, 24-Month CD: 0.84%, 36-Month CD: 0.80%, 48-Month CD: 0.80%, 60-Month CD: 0.80%, Savings: 2.26%, MMA: 0.90%

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Boone Bank & Trust Co. Rates & Review November 2026

Q: What CD terms does Boone Bank & Trust Co. offer?

Boone Bank & Trust Co. CD rates are 2.65% APY for a 3 month CD, 2.47% APY for a 6 month CD, 2.40% APY for a 12 month CD, 2.37% APY for an 18 month CD, 2.35% APY for a 2 year CD, 0.80% APY for a 3 year CD, 0.80% APY for a 4 year CD and 0.80% 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 Boone Bank & Trust Co. for its full lineup.

Q: How many branches does Boone Bank & Trust Co. operate?

Boone Bank & Trust Co. currently maintains approximately 2 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, Boone Bank & Trust Co. 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

Boone Bank & Trust Co.'s 3-Month CD (CD) rates are at 2.65%, 6-Month CD (CD) rates are at 2.47%, 12-Month CD (CD) rates are at 2.40%, 18-Month CD (CD) rates are at 2.37%, 24-Month CD (CD) rates are at 2.35%. Boone Bank & Trust Co.'s savings rates are at 2.26%. Boone Bank & Trust Co.'s money market rates are at 0.90%. Boone Bank & Trust Co.'s checking rates are as high as 1.40%. Boone Bank & Trust Co.'s top CD rate of 2.65% APY on a 3 month CD is 24% higher than the MonitorBankRates national average of 2.14% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Boone Bank & Trust Co. with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.78%. Rates last updated and verified on 11/07/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.78%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Boone Bank & Trust Co.

716 8th St
Boone, IA 50036

https://www.boonebankiowa.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.

Boone Bank & Trust Co. CD Rates

Product	Rate	APY	Term
3-Month CD (CD)	-	2.65%	3 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
6-Month CD (CD)	-	2.47%	6 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.47% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
12-Month CD (CD)	-	2.40%	12 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18-Month CD (CD)	-	2.37%	18 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.37% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
24-Month CD (CD)	-	2.35%	24 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
36-Month CD (CD)	-	2.31%	36 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
48-Month CD (CD)	-	2.31%	48 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
60-Month CD (CD)	-	2.31%	60 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.31% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3-Month CD (CD)	-	2.14%	3 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 2.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
6-Month CD (CD)	-	1.96%	6 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.96% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
12-Month CD (CD)	-	1.90%	12 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18-Month CD (CD)	-	1.87%	18 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.87% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
24-Month CD (CD)	-	1.85%	24 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
36-Month CD (CD)	-	1.81%	36 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
48-Month CD (CD)	-	1.81%	48 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
60-Month CD (CD)	-	1.81%	60 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3-Month CD (CD)	-	1.64%	3 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.64% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
6-Month CD (CD)	-	1.46%	6 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
12-Month CD (CD)	-	1.39%	12 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.39% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3-Month CD (CD)	-	1.38%	3 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.38% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18-Month CD (CD)	-	1.36%	18 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.36% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
24-Month CD (CD)	-	1.34%	24 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.34% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
36-Month CD (CD)	-	1.30%	36 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
48-Month CD (CD)	-	1.30%	48 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
60-Month CD (CD)	-	1.30%	60 Months
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
6-Month CD (CD)	-	1.20%	6 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
12-Month CD (CD)	-	1.14%	12 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
3-Month CD (CD)	-	1.13%	3 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.13% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18-Month CD (CD)	-	1.11%	18 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
24-Month CD (CD)	-	1.09%	24 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.09% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
36-Month CD (CD)	-	1.05%	36 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
48-Month CD (CD)	-	1.05%	48 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
60-Month CD (CD)	-	1.05%	60 Months
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
6-Month CD (CD)	-	0.95%	6 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
12-Month CD (CD)	-	0.89%	12 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.89% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
18-Month CD (CD)	-	0.86%	18 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.86% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
24-Month CD (CD)	-	0.84%	24 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.84% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
36-Month CD (CD)	-	0.80%	36 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
48-Month CD (CD)	-	0.80%	48 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
60-Month CD (CD)	-	0.80%	60 Months
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

Boone Bank & Trust Co. Savings Rates

Product	Rate	APY
Individual Retirement Account (IRA) Savings	2.25%	2.26%
Min Balance $100,000 Details Balance: $100,000 + Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 2.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Individual Retirement Account (IRA) Savings	2.10%	2.11%
Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 2.11% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Individual Retirement Account (IRA) Savings	2.00%	2.01%
Min Balance $0 Details Balance: $0.01 - $24,999 Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 2.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Savings	-	0.25%
Min Deposit $100 Min Balance $0 Details Balance tier: Minimum $0.01 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

Boone Bank & Trust Co. Money Market Rates

Product	Rate	APY
HiFi Money Market	-	0.90%
Min Balance $500,000 Details Balance: $500,000 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.80%
Min Balance $250,000 Details Balance: $250,000 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.75%
Min Balance $100,000 Details Balance tier: Minimum $100,000 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.65%
Min Balance $50,000 Details Balance tier: Minimum $50,000 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.55%
Min Balance $100,000 Details Balance: $100,000 minimum Last Updated 11/07/2026 Rate History 1 change since Sep 14, 2026 · 0.75% → 0.55% ▼ 0.20 pts · high 0.75% / low 0.55% Oct 22, 20260.55%▼ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.45%
Min Balance $25,000 Details Balance tier: Minimum $25,000 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.40%
Min Balance $50,000 Details Balance: $50,000 minimum Last Updated 11/07/2026 Rate History 1 change since Sep 14, 2026 · 0.65% → 0.40% ▼ 0.25 pts · high 0.65% / low 0.40% Oct 22, 20260.40%▼ from 0.65% Sep 14, 20260.65%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.30%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.01 minimum Last Updated 11/07/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.30% ▲ 0.05 pts · high 0.30% / low 0.25% Oct 22, 20260.30%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.30%
Min Balance $2,500 Details Balance tier: Minimum $2,500 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.30%
Min Balance $25,000 Details Balance: $25,000 minimum Last Updated 11/07/2026 Rate History 1 change since Sep 14, 2026 · 0.45% → 0.30% ▼ 0.15 pts · high 0.45% / low 0.30% Oct 22, 20260.30%▼ from 0.45% Sep 14, 20260.45%first recorded Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
HiFi Money Market	-	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance tier: Minimum $0.01 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

Boone Bank & Trust Co. Checking Rates

Product	Rate	APY
Premier Checking	-	0.50%
Min Balance $100,000 Details Balance tier: Minimum $100,000 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Premier Checking	-	0.35%
Min Balance $25,000 Details Balance tier: Minimum $25,000 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Premier Checking	-	0.10%
Min Deposit $25 Min Balance $0 Details Balance tier: Minimum $0.01 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

Boone Bank & Trust Co. Business Checking Rates

Product	Rate	APY
Complete Business Checking	-	1.40%
Min Balance $1,000,000 Details Balance: $1,000,000 minimum Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Complete Business Checking	-	0.80%
Min Balance $500,000 Details Balance: $500,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Complete Business Checking	-	0.65%
Min Balance $250,000 Details Balance: $250,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Complete Business Checking	-	0.60%
Min Balance $100,000 Details Balance: $100,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Complete Business Checking	-	0.55%
Min Balance $25,000 Details Balance: $25,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Complete Business Checking	-	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0.01 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Business All-In-One Checking	-	0.35%
Min Balance $50,000 Details Balance: $50,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Business All-In-One Checking	-	0.30%
Min Balance $25,000 Details Balance: $25,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Business All-In-One Checking	-	0.25%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Business All-In-One Checking	-	0.25%
Min Balance $15,000 Details Balance: $15,000 minimum Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

Boone Bank & Trust Co. Other Rates

Product	Rate	Points	APY/APR
HSA	-	-	0.20%
Min Deposit $100 Min Balance $0 Details Balance tier: Minimum $0.01 Last Updated 11/07/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%
Special Rate (Met Qualifications)	-	-	2.52%
Min Balance $0 Details Met Qualifications; Balance tier: Minimum $0.01 Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 2.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.78%

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

Boone Bank & Trust Co.’s Texas Ratio rose from 0.00% in Q3 2023 to 14.78% 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 2.5 to 5.0 and its Health Grade from C 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	$157M	14.78%	5.0	A-
March 31, 2026	$174M	11.41%	5.0	A
December 31, 2025	$160M	0.00%	5.0	A+
September 30, 2025	$177M	0.00%	5.0	A+
June 30, 2025	$158M	0.00%	5.0	A+
March 31, 2025	$176M	0.02%	4.4	A
December 31, 2024	$157M	0.02%	4.6	A
September 30, 2024	$178M	0.00%	4.5	A
June 30, 2024	$159M	0.26%	4.1	A-
March 31, 2024	$175M	0.26%	3.4	B
December 31, 2023	$149M	1.10%	4.5	A
September 30, 2023	$164M	0.00%	2.5	C

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 Boone Bank & Trust Co. 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 Boone Bank & Trust Co. 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 Boone Bank & Trust Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Boone Bank & Trust Co.

Website https://www.boonebankiowa.com

Address 716 8th St, Boone, IA 50036 · Boone

Bank Holding Company AMES NATIONAL CORP

FDIC Certificate # 33552

Regulator FDIC

Established January 16, 1992

FDIC Insurance Date January 16, 1992

Domestic Offices 2

Total Branches 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A- (93/100)

Texas Ratio

14.78%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8782%

Return on Equity (ROE)

11.0500%

Non-Performing Loans Ratio (NPL)

1.24%

Total Assets

$156,942,000

Total Deposits

$142,974,000

Equity Capital

$13,154,000

Net Income

$719,000

Headquarters

Boone

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Boone Bank & Trust Co. earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Boone Bank & Trust Co.

Does Boone Bank & Trust Co. offer CDs?

Yes. Boone Bank & Trust Co. current CD rates include its 3-Month CD (CD) at 2.65% APY, its 6-Month CD (CD) at 2.47% APY and its 12-Month CD (CD) at 2.40% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from Boone Bank & Trust Co. FDIC insured?

Yes. Boone Bank & Trust Co. 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 Boone Bank & Trust Co.?

The highest Boone Bank & Trust Co. CD rate is its 3-Month Certificates of Deposits (CD) at 2.65% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does Boone Bank & Trust Co. offer?

Boone Bank & Trust Co. CD rates are 2.65% APY for a 3 month CD, 2.47% APY for a 6 month CD, 2.40% APY for a 12 month CD, 2.37% APY for an 18 month CD, 2.35% APY for a 2 year CD, 0.80% APY for a 3 year CD, 0.80% APY for a 4 year CD and 0.80% 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 Boone Bank & Trust Co. for its full lineup.

What is the highest savings rate at Boone Bank & Trust Co.?

The highest Boone Bank & Trust Co. savings rate is its Individual Retirement Account (IRA) Savings at 2.26% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at Boone Bank & Trust Co.?

The highest Boone Bank & Trust Co. money market rate is its HiFi Money Market at 0.90% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at Boone Bank & Trust Co.?

The highest Boone Bank & Trust Co. checking rate is its Complete Business Checking at 1.40% APY, verified by MonitorBankRates as of November 7, 2026.

How many branches does Boone Bank & Trust Co. operate?

Boone Bank & Trust Co. currently maintains approximately 2 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, Boone Bank & Trust Co. 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, Boone Bank & Trust Co. provides members with tools to manage their accounts and build a solid financial history.

Does Boone Bank & Trust Co. offer online and mobile banking?

Most modern institutions like Boone Bank & Trust Co. 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.boonebankiowa.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 Boone Bank & Trust Co. rates compare?

Boone Bank & Trust Co.'s top CD rate of 2.65% APY on a 3 month CD is 24% higher than the MonitorBankRates national average of 2.14% APY for that term, and it has an A- health rating. Boone Bank & Trust Co.'s top rates are its 3-Months 3-Month Certificates of Deposits (CD) at 2.65% APY, its Individual Retirement Account (IRA) Savings at 2.26% APY, its HiFi Money Market at 0.90% APY and its Complete Business Checking at 1.40% APY, verified by MonitorBankRates on November 7, 2026.

Current Boone Bank & Trust Co. Rates

12-Month CD0.89%
18-Month CD0.86%
24-Month CD0.84%
36-Month CD0.80%
48-Month CD0.80%
60-Month CD0.80%
Savings2.26%
MMA0.90%

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

Boone Bank & Trust Co. Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Boone Bank & Trust Co. Texas Ratio

Boone Bank & Trust Co. Health Trend

Boone Bank & Trust Co. CD Rates

Boone Bank & Trust Co. Savings Rates

Boone Bank & Trust Co. Money Market Rates

Boone Bank & Trust Co. Checking Rates

Boone Bank & Trust Co. Business Checking Rates

Boone Bank & Trust Co. Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Boone Bank & Trust Co. earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Boone Bank & Trust Co.

Does Boone Bank & Trust Co. offer CDs?

Are CDs from Boone Bank & Trust Co. FDIC insured?

What is the highest CD rate at Boone Bank & Trust Co.?

What CD terms does Boone Bank & Trust Co. offer?

What is the highest savings rate at Boone Bank & Trust Co.?

What is the highest money market rate at Boone Bank & Trust Co.?

What is the highest checking rate at Boone Bank & Trust Co.?

How many branches does Boone Bank & Trust Co. operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Boone Bank & Trust Co. 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 Boone Bank & Trust Co. rates compare?

Current Boone Bank & Trust Co. Rates

Compare to Other Banks