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Ciera Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 7, 2026
Ciera Bank's top rates as of October 7, 2026 are 4.20% APY on its 24-Month Certificate, 3.45% APY on savings, and 3.05% APY on money market accounts, according to rates verified by MonitorBankRates. Other Ciera Bank CD rates include 60-Month Certificate at 4.20%, 18-Month Certificate at 4.15%, and 48-Month Certificate at 4.15%. MonitorBankRates evaluates the financial stability of Ciera Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.39%. Rates last updated and verified on 10/07/2026.
Ciera 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 Ciera Bank? Share your experience about Ciera Bank by leaving a review below, or read customer reviews before you decide to use Ciera Bank.
Ciera Bank has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Ciera Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
8.39%
ExcellentHigher than avg
Ciera Bank Texas Ratio
Ciera Bank's Texas Ratio is 8.39%, which is considered excellent and is higher than the national average of 5.85%.
Ciera Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.29% to 8.39% over 12 quarters, steadyFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Ciera Bank CD Rates
Product
Rate
APY
Term
View More
24 Month Certificate
4.14%
4.20%
24 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
60 Month Certificate
4.14%
4.20%
60 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.20% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
18 Month Certificate
4.09%
4.15%
18 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
48 Month Certificate
4.09%
4.15%
48 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
12 Month Certificate
4.04%
4.10%
12 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
12 Month EZ Saver
4.04%
4.10%
12 Month
Min Deposit$50
Min Balance$50
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 4.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
36 Month Certificate
4.04%
4.10%
36 Month
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
180 Day Certificate
4.01%
4.05%
180 Day
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded:; Credited: At Maturity
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
90 Day Certificate
3.84%
3.90%
90 Day
Min Deposit$1,000
Min Balance$1,000
DetailsCompounded:; Credited: At Maturity
Last Updated10/07/2026
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 24 Month
3.80%
3.85%
24 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 60 Month
3.80%
3.85%
60 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 18 Month
3.75%
3.80%
18 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 48 Month
3.75%
3.80%
48 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 12 Month
3.70%
3.75%
12 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 36 Month
3.70%
3.75%
36 Month
Min Deposit$100
Min Balance$100
DetailsCompounded: Quarterly; Credited: Quarterly
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
IRA CD 180 Day
3.67%
3.70%
180 Day
Min Deposit$100
Min Balance$100
DetailsCompounded:; Credited: At Maturity
Last Updated10/07/2026
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
No change since Sep 14, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
Demand Deposit Account
0.90%
-
0.90%
Min Deposit$0
Min Balance$0
DetailsBalance: $0 - 9,999.99
Last Updated10/07/2026
Rate History
No change since Sep 27, 2026 · 0.90% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.39%
Financial Health History
Ciera Bank’s Texas Ratio rose from 0.29% in Q3 2023 to 8.39% 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 and its Health Grade from A+ 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
$993M
8.39%
5.0
A
March 31, 2026
$970M
9.97%
5.0
A
December 31, 2025
$975M
12.41%
5.0
A
September 30, 2025
$954M
16.27%
4.9
A-
June 30, 2025
$946M
19.02%
4.7
B+
March 31, 2025
$924M
17.51%
4.8
B+
December 31, 2024
$915M
16.48%
4.9
A-
September 30, 2024
$942M
0.63%
5.0
A+
June 30, 2024
$903M
0.68%
5.0
A+
March 31, 2024
$932M
5.10%
5.0
A+
December 31, 2023
$901M
0.84%
5.0
A+
September 30, 2023
$926M
0.29%
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 Ciera 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 Ciera 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 Ciera Bank's official website for the most current offers and terms.
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Ciera Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Ciera Bank
Frequently Asked Questions About Ciera Bank
How many branches does Ciera Bank operate?
Ciera Bank currently maintains approximately 8 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, Ciera 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, Ciera Bank provides members with tools to manage their accounts and build a solid financial history.
Does Ciera Bank offer online and mobile banking?
Most modern institutions like Ciera 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.cierabank.com.
Current Ciera Bank Rates
12-Month CD4.10%
18-Month CD3.80%
24-Month CD3.85%
36-Month CD3.75%
48-Month CD3.80%
60-Month CD3.85%
Savings3.45%
MMA3.05%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
