What are the current interest rates at Century Next Bank?

Current rates for Century Next Bank include: Savings: 0.05%, MMA: 0.25%

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Century Next Bank

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Century Next Bank Rates & Review September 2026

Q: How many branches does Century Next Bank operate?

Century Next Bank currently maintains approximately 7 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, Century Next 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, Century Next 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 and Verified: September 19, 2026

Century Next Bank's savings rates are at 0.05%. Century Next Bank's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Century Next Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 09/19/2026.

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

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

1.03%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Century Next Bank

505 N Vienna St
Ruston, LA 71270

https://www.cnext.bank

Century Next Bank Savings Rates

Product	Rate	APY
Priority Savings	-	3.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: monthly qualifications are met on Priority Checking; If monthly qualifications are met on Priority Checking: 3.00% for Priority Savings balances up to $30,000.00 and 0.50% for balances over $30,000.00.If monthly qualifications are not met on Priority Checking, 0.05% on entire balance. Priority Savings is linked to a Priority Checking account, and cannot be opened without a Priority Checking account. Priority Checking interest rewards are transferred to Priority Savings each month. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. See Priority Checking qualifications linked here: https://www.cnext.bank/priority. See below for Priority disclosures.** Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
SPECIAL SAVINGS IRA	-	1.00%
Min Balance $1 Details Balance: $1 million and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
SPECIAL SAVINGS IRA	-	0.75%
Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Little Savers	-	0.50%
Min Deposit $50 Min Balance $0 Details Custodial Account for ages 13 and under. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Regular Savings	-	0.50%
Min Deposit $50 Min Balance $0 Details Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
SPECIAL SAVINGS IRA	-	0.50%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Youth Savings	-	0.50%
Min Deposit $50 Min Balance $0 Details Requires an adult joint owner. This account serves individuals between ages 14-17. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Business Regular Savings	-	0.40%
Min Deposit $50 Min Balance $0 Details Monthly Service Charge: $5; Waived with $300 minimum daily balance; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
SPECIAL SAVINGS IRA	-	0.25%
Min Balance $0 Details Balance: $0.01 to $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Priority Savings	-	0.05%
Min Deposit $50 Min Balance $0 Details Qualifications Required: monthly qualifications are not met on Priority Checking; If monthly qualifications are met on Priority Checking: 3.00% for Priority Savings balances up to $30,000.00 and 0.50% for balances over $30,000.00.If monthly qualifications are not met on Priority Checking, 0.05% on entire balance. Priority Savings is linked to a Priority Checking account, and cannot be opened without a Priority Checking account. Priority Checking interest rewards are transferred to Priority Savings each month. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. See Priority Checking qualifications linked here: https://www.cnext.bank/priority. See below for Priority disclosures.** Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

Century Next Bank Money Market Rates

Product	Rate	APY
Business Advantage Premier Money Market	-	3.50%
Min Deposit $1,000,000 Min Balance $100,000 Details Monthly Service Charge: $20; Waived with $100,000 minimum daily balance; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed; Variable rate, it can increase or decrease during the life of the account; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Premier Money Market	-	3.50%
Min Deposit $1,000,000 Min Balance $100,000 Details Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Business Advantage Premier Money Market	-	3.25%
Min Deposit $100,000 Min Balance $100,000 Details Minimum: $100,000 to $1,000,000; Monthly Service Charge: $20; Waived with $100,000 minimum daily balance; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed; Variable rate, it can increase or decrease during the life of the account; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Premier Money Market	-	3.25%
Min Deposit $100,000 Min Balance $100,000 Details Minimum: $100,000 to $1,000,000; Will not earn interest if balance falls below $100,000 and $20 monthly service charge will be imposed. Variable rate, it can increase or decrease during the life of the account. Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Advantage Plus Money Market	-	1.00%
Min Balance $1 Details Balance: $1 million and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Advantage Plus Money Market	-	0.75%
Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Money Market	-	0.75%
Min Deposit $50 Min Balance $10,000 Details Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Business Money Market	-	0.65%
Min Deposit $50 Min Balance $10,000 Details Monthly Service Charge: $20; Waived with $10,000 minimum daily balance; Account is allowed up to 6 transfers each month. Each additional transfer is subject to a fee of $15. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Advantage Plus Money Market	-	0.50%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Advantage Plus Money Market	-	0.25%
Min Balance $0 Details Balance: $0.01 to $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

Century Next Bank Checking Rates

Product	Rate	APY
Priority Checking	-	7.00%
Min Deposit $50 Min Balance $0 Details Qualifications Required: 12 or more debit card transactions at a minimum of $5 per transaction, must post and settle to the account (excludes ATM withdrawals).; Receive your monthly account statement electronically.; Have minimum $500 aggregate ACH credit post and settle.; Nationwide ATM fee refunds up to $15/month if monthly qualifications are met.; If monthly qualifications are not met, 0.05% on entire balance. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Priority Checking	-	7.00%
Min Deposit $50 Min Balance $30,000 Details Qualifications Required: 1 direct deposit or ACH credit; ATM fees reimbursed up to $15; balances up to $30,000 receive APY of 7.00%; balances over $30,000.00 earn 0.50% interest rate on the portion of the balance over $30,000; Balances over $30,000.00 earn 0.50% interest rate on the portion of the balance over $30,000, resulting in 7.00% - 0.50% APY (depending on the balance). If qualifications are not met on Priority Checking all balances earn 0.05% APY. Available to Louisiana and Arkansas residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Legends Checking	-	0.50%
Min Balance $1 Details Balance: $1 million and over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Legends Checking	-	0.40%
Min Balance $500,000 Details Balance: $500,000 to $999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Interest Checking	-	0.25%
Min Deposit $50 Min Balance $0 Details Monthly Service Charge: $12; Waived with $2,500 minimum daily balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Legends Checking	-	0.25%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Business Advantage Checking	-	0.20%
Min Deposit $100 Min Balance $0 Details Monthly Service Charge: $20 Waived with $10,000 minimum daily balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Legends Checking	-	0.10%
Min Balance $0 Details Balance: $0.01 to $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Priority Checking	-	0.05%
Min Deposit $50 Min Balance $0 Details If monthly qualifications are met, 7.00% for balances up to $30,000.00. Amounts over $30,000.00 receive 0.50%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Priority Checking	-	0.05%
Min Deposit $50 Details If qualifications are not met on Priority Checking all balances earn 0.05% APY. Available to Louisiana and Arkansas residents only. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

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.
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Financial Health History

Century Next Bank’s Texas Ratio fell from 4.13% in Q3 2023 to 1.03% in Q2 2026, so its financial health has improved and is now 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; 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	$916M	1.03%	5.0	A+
March 31, 2026	$913M	1.32%	5.0	A+
December 31, 2025	$877M	4.29%	5.0	A+
September 30, 2025	$904M	4.28%	5.0	A+
June 30, 2025	$923M	3.72%	5.0	A+
March 31, 2025	$909M	4.00%	5.0	A+
December 31, 2024	$869M	4.45%	5.0	A+
September 30, 2024	$857M	6.55%	5.0	A
June 30, 2024	$831M	4.10%	5.0	A+
March 31, 2024	$793M	3.52%	5.0	A+
December 31, 2023	$765M	3.69%	5.0	A+
September 30, 2023	$716M	4.13%	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 Century Next 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 Century Next 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 Century Next Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Century Next Bank

Bank Holding Company CENTURY NEXT FINANCIAL CORP

Address 505 N Vienna St, Ruston, LA 71270 · Lincoln

Website https://www.cnext.bank

FDIC Certificate # 29700

Established 19050101

FDIC Insurance Date 19890809

Domestic Offices 7

Total Branches 7

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7493%

Return on Equity (ROE) 14.3800%

Non-Performing Loans (NPL) 0.08%

Total Assets $916,376,000

Total Deposits $795,321,000

Equity Capital $112,451,000

Net Income $7,890,000

Headquarters Ruston

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Century Next Bank earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About Century Next Bank

How many branches does Century Next Bank operate?

Century Next Bank currently maintains approximately 7 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, Century Next 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, Century Next Bank provides members with tools to manage their accounts and build a solid financial history.

Does Century Next Bank offer online and mobile banking?

Most modern institutions like Century Next 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.cnext.bank.