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Classic Bank Rates & Review April 2026

Item: Classic Bank
Rating: 4276
Author: AKZR

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 3, 2026

You can compare Classic Bank rates to other rates in our database, including 12-month CD rates currently at 0.20%, 6-month CD rates at 0.75% and 3-month CD rates at 3.60%. Savings rates are at 0.50% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates can be compared to Classic Bank rates. MonitorBankRates evaluates the financial stability of Classic Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.33%. Rates were last updated on 04/03/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.33%

Excellent Lower than avg

Classic Bank

102 N Houston Ave
Cameron, TX 76520

https://www.classic.bank

Classic Bank Checking Rates

Product	Rate	APY	View More
Reward Checking	-	3.56%
Min Deposit $50 Details Qualifications Required; Qualifying balance up to $15,000.99 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.33%

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 Classic 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 Classic 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 Classic Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Classic Bank

Bank Holding Company CAMERON FINANCIAL CORP

Address 102 N Houston Ave, Cameron, TX 76520 · Milam

Website https://www.classic.bank

FDIC Certificate # 3126

Established 08/22/1889

FDIC Insurance Date 01/01/1934

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

1.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7739%

Return on Equity (ROE) 9.9200%

Non-Performing Loans (NPL) 0.10%

Total Assets $648,291,000

Total Deposits $567,661,000

Equity Capital $71,473,000

Net Income $13,127,000

Headquarters Cameron

Total Offices 7

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

AKZR

★★★★★

December 17, 2025

OFWV

Average Rating

★★★★★

Total Reviews

Add Your Rating and Review for Classic Bank

Frequently Asked Questions About Classic Bank

Is Classic Bank a safe place to deposit money?

Yes, Classic Bank is considered a safe financial institution. With a Texas Ratio of 1.3314393939394%, 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 Classic Bank operate?

Classic 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, Classic 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, Classic Bank provides members with tools to manage their accounts and build a solid financial history.

Does Classic Bank offer online and mobile banking?

Most modern institutions like Classic 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.classic.bank.