What are the current interest rates at Community Bank Mankato?

Current rates for Community Bank Mankato include: 12-Month CD: 0.70%, 18-Month CD: 0.75%, 24-Month CD: 0.80%, 36-Month CD: 0.90%, 48-Month CD: 1.00%, Savings: 0.05%

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Community Bank Mankato

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Community Bank Mankato Rates & Review September 2026

Q: How many branches does Community Bank Mankato operate?

Community Bank Mankato currently maintains approximately 5 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, Community Bank Mankato 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, Community Bank Mankato 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 14, 2026

Community Bank Mankato's 10-Month Special CD/IRA rates are at 3.79%, 10-Month Special Certificate of Deposit rates are at 3.79%, 16-Month Special CD/IRA rates are at 3.79%, 16-Month Special Certificate of Deposit rates are at 3.79%, 22-Month Special CD/IRA rates are at 3.79%. Community Bank Mankato's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Community Bank Mankato with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 20.03%. Rates last updated and verified on 09/14/2026.

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

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

20.03%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Community Bank Mankato

201 Main St E
Vernon Center, MN 56090

https://www.cbfg.net

Community Bank Mankato CD Rates

Product	Rate	APY	Term
10 Month Special CD/IRA	3.75%	3.79%	10 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
10 Month Special Certificate of Deposit	3.75%	3.79%	10 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
16 Month Special CD/IRA	3.75%	3.79%	16 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
16 Month Special Certificate of Deposit	3.75%	3.79%	16 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
22 Month Special CD/IRA	3.75%	3.79%	22 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
22 Month Special Certificate of Deposit	3.75%	3.79%	22 Month
Min Deposit $5,000 Details $5,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
48 Month CD/IRA	1.00%	1.00%	48 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
48 Month Certificate of Deposit	1.00%	1.00%	48 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
36 Month CD/IRA	0.90%	0.90%	36 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
36 Month Certificate of Deposit	0.90%	0.90%	36 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
24 Month CD/IRA	0.80%	0.80%	24 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
24 Month Certificate of Deposit	0.80%	0.80%	24 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
18 Month Add-on IRA only Certificate of Deposit	0.75%	0.75%	18 Month
Min Deposit $100 Details $100 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
12 Month CD/IRA	0.70%	0.70%	12 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
12 Month Certificate of Deposit	0.70%	0.70%	12 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
6 Month CD/IRA	0.60%	0.60%	6 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
6 Month Certificate of Deposit	0.60%	0.60%	6 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
3 Month CD/IRA	0.50%	0.50%	3 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
3 Month Certificate of Deposit	0.50%	0.50%	3 Month
Min Deposit $1,000 Details $1,000 Minimum Balance Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%

Community Bank Mankato Savings Rates

Product	Rate	APY
Health Savings Account	1.00%	1.00%
Min Deposit $0 Details Must meet HSA qualifications; No minimum balance; No monthly maintenance fee Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.40%	0.40%
Min Deposit $50 Details Available to those age 50 or older -$50 minimum balance -$1,500 minimum balance in total consumer deposits 1 -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.40%	0.40%
Details $250,000.00 & up Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.30%	0.30%
Min Deposit $50 Details Available to those age 50 or older -$50 minimum balance -$1,500 minimum balance in total consumer deposits 1 -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.30%	0.30%
Details $100,000.00-249,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Young Ones Savings	0.30%	0.30%
Min Deposit $10 Details No minimum balance; No monthly service charge 2 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.25%	0.25%
Min Deposit $50 Details $50 minimum balance -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.25%	0.25%
Details $100,000.00 & up Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.25%	0.25%
Min Deposit $50 Details Available to those age 50 or older -$50 minimum balance -$1,500 minimum balance in total consumer deposits 1 -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.25%	0.25%
Details $50,000.00-99,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.15%	0.15%
Min Deposit $50 Details $50 minimum balance -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.15%	0.15%
Details $50,000.00-99,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Savings	0.15%	0.15%
Min Deposit $50 Details Available to those age 50 or older -$50 minimum balance -$1,500 minimum balance in total consumer deposits 1 -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.10%	0.10%
Min Deposit $50 Details $50 minimum balance -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.10%	0.10%
Details $25,000.00-49,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Prestige Savings	0.05%	0.05%
Min Deposit $50 Details $50 minimum balance -$5 quarterly maintenance fee if balance drops below $50 any day during your quarterly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%

Community Bank Mankato Checking Rates

Product	Rate	APY
Primetime Checking	0.30%	0.30%
Min Deposit $100 Details Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.30%	0.30%
Details $250,000.00 & up Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Advantage Checking	0.20%	0.20%
Min Deposit $100 Details $10,000 minimum balance in total consumer deposits and/or loans outstanding -$10 monthly maintenance fee if combined balance drops below $10,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Advantage Checking	0.20%	0.20%
Details $100,000.00 & up Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.20%	0.20%
Min Deposit $100 Details Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.20%	0.20%
Details $100,000.00-249,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.15%	0.15%
Min Deposit $100 Details Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.15%	0.15%
Details $50,000.00-99,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Advantage Checking	0.10%	0.10%
Min Deposit $100 Details $10,000 minimum balance in total consumer deposits and/or loans outstanding -$10 monthly maintenance fee if combined balance drops below $10,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Advantage Checking	0.10%	0.10%
Details $50,000.00-99,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.10%	0.10%
Min Deposit $100 Details Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.10%	0.10%
Details $25,000.00-49,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Advantage Checking	0.05%	0.05%
Min Deposit $100 Details $10,000 minimum balance in total consumer deposits and/or loans outstanding -$10 monthly maintenance fee if combined balance drops below $10,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Basic Interest Checking	0.05%	0.05%
Min Deposit $200 Details $200 minimum balance; -$5 monthly maintenance fee & $.20 per debit if balance drops below $200 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Primetime Checking	0.05%	0.05%
Min Deposit $100 Details Available to those age 50 or older -$1,500 minimum balance in total consumer deposits -$10 monthly maintenance fee if total deposits drop below $1,500 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%

Community Bank Mankato Other Rates

Product	Rate	Points	APY/APR
Blue Chip MMDA	0.90%	-	0.90%
Min Deposit $25,000 Details $25,000 minimum balance -$10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.10%	-	1.10%
Min Deposit $25,000 Details $25,000 minimum balance -$10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.30%	-	1.31%
Min Deposit $25,000 Details $25,000 minimum balance -$10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.50%	-	1.51%
Min Deposit $25,000 Details $25,000 minimum balance -$10 monthly maintenance fee if balance drops below $25,000 any day during your monthly statement cycle Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.10%	-	1.10%
Details $25,000.00-99,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.30%	-	1.31%
Details $100,000.00-249,999.99 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%
Blue Chip MMDA	1.50%	-	1.51%
Details $250,000.00 & up Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 20.03%

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

Community Bank Mankato’s Texas Ratio rose from 0.95% in Q3 2023 to 20.03% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.6 and its Health Grade from A+ to B. 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	$538M	20.03%	4.6	B
March 31, 2026	$540M	21.41%	4.5	B
December 31, 2025	$543M	21.39%	4.5	B
September 30, 2025	$553M	23.41%	4.3	B-
June 30, 2025	$545M	22.96%	4.3	B-
March 31, 2025	$545M	23.53%	4.3	B-
December 31, 2024	$540M	23.62%	4.3	B-
September 30, 2024	$547M	24.10%	4.2	B-
June 30, 2024	$546M	24.62%	4.2	C+
March 31, 2024	$543M	0.83%	5.0	A+
December 31, 2023	$537M	0.90%	5.0	A+
September 30, 2023	$517M	0.95%	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 Community Bank Mankato 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 Mankato 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 Mankato's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community Bank Mankato

Bank Holding Company VERNON CENTER BANCSHARES INC

Address 201 Main St E, Vernon Center, MN 56090 · Blue Earth

Website https://www.cbfg.net

FDIC Certificate # 9760

Established 19291201

FDIC Insurance Date 19340101

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 86/100

4.6

Excellent Out of 5.0 Stars

20.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0065%

Return on Equity (ROE) 10.7600%

Non-Performing Loans (NPL) 1.90%

Total Assets $538,319,000

Total Deposits $473,874,000

Equity Capital $51,069,000

Net Income $2,719,000

Headquarters Vernon Center

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About Community Bank Mankato

How many branches does Community Bank Mankato operate?

Community Bank Mankato currently maintains approximately 5 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 Mankato 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 Mankato provides members with tools to manage their accounts and build a solid financial history.

Does Community Bank Mankato offer online and mobile banking?

Most modern institutions like Community Bank Mankato 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.cbfg.net.