What are the current interest rates at Community Bank & Trust, Waco, Texas?

Current rates for Community Bank & Trust, Waco, Texas include: 12-Month CD: 3.92%

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Community Bank & Trust, Waco, Texas

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Community Bank & Trust, Waco, Texas Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Bank & Trust, Waco, Texas 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 16, 2026

Community Bank & Trust, Waco, Texas's 12-Month CD rates are at 3.92%. MonitorBankRates evaluates the financial stability of Community Bank & Trust, Waco, Texas with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.76%. Rates were last updated on 04/16/2026.

Community Bank & Trust, Waco, Texas 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 Community Bank & Trust, Waco, Texas? Share your experience about Community Bank & Trust, Waco, Texas by leaving a review below, or read customer reviews before you decide to use Community Bank & Trust, Waco, Texas.

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.76%

Excellent Higher than avg

Community Bank & Trust, Waco, Texas

1800 Washington Ave
Waco, TX 76701

https://www.cbtwaco.bank

Community Bank & Trust, Waco, Texas CD Rates

Product	Rate	APY	Term	View More
12 month CD	-	3.92%	12
Details limited time CD yield Last Updated 04/16/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.76%

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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Community Bank & Trust, Waco, Texas 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 Community Bank & Trust, Waco, Texas 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 Community Bank & Trust, Waco, Texas's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community Bank & Trust, Waco, Texas

Bank Holding Company COMMUNITY CO THE

Address 1800 Washington Ave, Waco, TX 76701 · Mclennan

Website https://www.cbtwaco.bank

FDIC Certificate # 17108

Established 05/14/1952

FDIC Insurance Date 05/14/1952

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0973%

Return on Equity (ROE) 10.7100%

Non-Performing Loans (NPL) 1.34%

Total Assets $637,595,000

Total Deposits $555,644,000

Equity Capital $80,103,000

Net Income $5,931,000

Headquarters Waco

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Community Bank & Trust, Waco, Texas

Is Community Bank & Trust, Waco, Texas a safe place to deposit money?

Yes, Community Bank & Trust, Waco, Texas is considered a safe financial institution. With a Texas Ratio of 14.75837072834%, 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 Community Bank & Trust, Waco, Texas operate?

Community Bank & Trust, Waco, Texas currently maintains approximately 4 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, Community Bank & Trust, Waco, Texas 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, Community Bank & Trust, Waco, Texas provides members with tools to manage their accounts and build a solid financial history.

Does Community Bank & Trust, Waco, Texas offer online and mobile banking?

Most modern institutions like Community Bank & Trust, Waco, Texas 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.cbtwaco.bank.