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iAdvertiser Disclosure
Advertiser Disclosure
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 CF Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 7, 2026
CF Bank's CD Specials - 12-Month rates are at 4.00%, CD Specials - 6-Month rates are at 4.00%, CD Specials - 9-Month rates are at 4.00%, CD - 12-Month rates are at 4.00%, CD - 6-Month rates are at 4.00%. CF Bank's savings rates are at 4.25%. CF Bank's money market rates are at 3.75%. CF Bank's checking rates are as high as 0.50%. CF Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of CF Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.55%. Rates last updated and verified on 11/07/2026. CF 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 CF Bank? Share your experience about CF Bank by leaving a review below, or read customer reviews before you decide to use CF Bank. 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. CF Bank CD Rates
CF Bank Savings Rates
CF Bank Money Market Rates
CF Bank Checking Rates
Financial Health HistoryCF Bank’s Texas Ratio rose from 2.42% in Q3 2023 to 5.55% 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. 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for CF 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 CF 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 CF Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
CF Bank
Website
https://cf.bank/
Address
4960 E Dublin Granville Rd,
Columbus, OH 43081 · Franklin
Bank Holding Company
CF BANKSHARES INC
FDIC Certificate #
28263
Regulator
OCC
Established
January 1, 1892
FDIC Insurance Date
August 9, 1989
Domestic Offices
7
Total Branches
6
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
5.55%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1990%
Return on Equity (ROE)
10.5700%
Non-Performing Loans Ratio (NPL)
0.96%
Total Assets
$2,167,338,000
Total Deposits
$1,832,036,000
Equity Capital
$246,119,000
Net Income
$12,840,000
Headquarters
Columbus
Total Branches and Offices
7
Source: FDIC — Last Updated June 30, 2026
Customer ReviewsAlyssa Shumac
March 2, 2025
what a nightmare.
I spent over 6 weeks working with Anne Schorr from CF banks. She was suppose to be getting me approved for a home mortgage that needed to be closed by march 17th 2025. After about 5 weeks she decided i wasn\'t approved for the loan that CF Banks had already pre-approved me for and wasn\'t able to get me the loan and told me to find another lender. I was dumb founded...why did i waste my time with the pre-approval if it didn\'t mean anything?
I sought another lender, he says he thinks he can help so i get him going on it. Then Ann informs me she could run my 2024 taxes to get my approved for the loan, so i have her do it. She tells me a few days later that it looks great and that i should be approved...then 5 minutes later texts me that she didn\'t know there was a 2nd building on the property and that they don\'t handle loans like that....i couldn\'t believe it. After almost 2 months working on this loan the lender didn\'t even do her due diligence to know what property type she was securing a loan for.
I would NEVER recommend CF bank to anymore for any reason.
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Frequently Asked Questions About CF BankDoes CF Bank offer CDs?Yes. CF Bank current CD rates include its CD Specials - 12-Month at 4.00% APY, its CD Specials - 6-Month at 4.00% APY and its CD Specials - 9-Month at 4.00% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from CF Bank FDIC insured?Yes. CF Bank 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 CF Bank?The highest CF Bank CD rate is its CD Specials - 12-Month at 4.00% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does CF Bank offer?CF Bank CD rates are 4.00% APY for a 6 month CD, 4.00% APY for a 9 month CD, 4.00% APY for a 12 month CD, 3.50% APY for a 2 year CD, 3.50% APY for a 3 year CD and 3.50% 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 CF Bank for its full lineup. What is the highest savings rate at CF Bank?The highest CF Bank savings rate is its High Yield Savings at 4.25% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at CF Bank?The highest CF Bank money market rate is its Platinum Money Market at 3.75% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest checking rate at CF Bank?The highest CF Bank checking rate is its Boutique Checking at 0.50% APY, verified by MonitorBankRates as of November 7, 2026. How many branches does CF Bank operate?CF Bank currently maintains approximately 6 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, CF 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, CF Bank provides members with tools to manage their accounts and build a solid financial history. Does CF Bank offer online and mobile banking?Most modern institutions like CF 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://cf.bank/. 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 CF Bank rates compare?CF Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. CF Bank's top rates are its CD Specials - 12-Month at 4.00% APY, its High Yield Savings at 4.25% APY, its Platinum Money Market at 3.75% APY and its Boutique Checking at 0.50% APY, verified by MonitorBankRates on November 7, 2026. Current CF Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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