What are the current interest rates at Border Bank?

Current rates for Border Bank include: 12-Month CD: 3.85%, 24-Month CD: 3.55%

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Border Bank Rates & Review April 2026

Q: How many branches does Border Bank operate?

Border Bank currently maintains approximately 11 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, Border 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Border Bank 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: April 11, 2026

Border Bank's 7-Month CD Special rates are at 4.10%, 12-Month CD Special (Options12 CD) rates are at 3.85%, 23-Month CD Special rates are at 3.55%. MonitorBankRates evaluates the financial stability of Border Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.69%. Rates were last updated on 04/11/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.69%

Excellent Lower than avg

Border Bank

4530 17th Ave S
Fargo, ND 58103

https://www.border.bank

Border Bank CD Rates

Product	Rate	APY	Term
7 Month CD Special	-	4.10%	7
Min Deposit $5,000 Details Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 4.10% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. At term, the CD automatically rolls over to our 6 month CD product. This is not an options product. IRA and public money exempt from offer. Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
12 Month CD Special (Options12 CD)	-	3.85%	12
Min Deposit $5,000 Details Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 3.85% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. You have the option during the original term of this account to exchange your interest rate for a new interest rate. The new interest rate will be the interest rate that the Bank is then offering on the equivalent Options12 CD product, provided you meet all other qualifying terms and conditions for this account. This exchange will be at no cost to you. If you make an exchange, the maturity date of this account will remain the same as originally scheduled. You may exercise this option once only during the original term. IRA and public money exempt from offer. Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%
23 Month CD Special	-	3.55%	23
Min Deposit $5,000 Details Limited time offer. Fixed rate CDs. $5000 is the minimum balance required to obtain the advertised 3.55% APY. Fees may reduce earnings on account. Penalty will or may be imposed for early withdrawal. At term, the CD automatically rolls over to our 24 month CD product. This is not an options product. IRA and public money exempt from offer. Last Updated 04/11/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.69%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Border 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 Border 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 Border Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Border Bank

Bank Holding Company BORDER BANCSHARES INC

Address 4530 17th Ave S, Fargo, ND 58103 · Cass

Website https://www.border.bank

FDIC Certificate # 20776

Established 08/21/1972

FDIC Insurance Date 08/21/1972

Domestic Offices 11

Total Branches 11

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5336%

Return on Equity (ROE) 6.5100%

Non-Performing Loans (NPL) 0.25%

Total Assets $1,063,075,000

Total Deposits $912,844,000

Equity Capital $92,950,000

Net Income $9,767,000

Headquarters Fargo

Total Offices 11

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Border Bank

Is Border Bank a safe place to deposit money?

Yes, Border Bank is considered a safe financial institution. With a Texas Ratio of 3.6925996726858%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Border Bank operate?

Border Bank currently maintains approximately 11 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, Border 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, Border Bank provides members with tools to manage their accounts and build a solid financial history.

Does Border Bank offer online and mobile banking?

Most modern institutions like Border 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.border.bank.