☰

Home›
Banks›
Community First Bank of the Heartland

iAdvertiser Disclosure

Community First Bank of the Heartland Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community First Bank of the Heartland 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: August 28, 2026

Community First Bank of the Heartland rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Community First Bank of the Heartland, and you can see how they compare in the Community First Bank of the Heartland rate tables below. MonitorBankRates evaluates the financial stability of Community First Bank of the Heartland with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.93%. Database rates last updated and verified on 08/28/2026.

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

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.93%

Excellent Lower than avg

Community First Bank of the Heartland

117 N 10th St
Mount Vernon, IL 62864

https://www.cfbh.bank

Community First Bank of the Heartland Checking Rates

Product	Rate	APY	View More
ONE Checking	1.01%	1.01%
Min Deposit $100 Details For qualifying accounts, balances up to $15,000 earn an interest rate of 1.01%. Balances greater than $15,000 earn an interest rate of .21% on the portion that exceeds $15,000 resulting in an overall Annual Percentage Yield (APY) of 1.01% to .45% (based on a qualifying account balance of $.01 to $50,000). APY accurate as of 03/17/2020. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.93%

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 Community First Bank of the Heartland 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 First Bank of the Heartland 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 First Bank of the Heartland's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Community First Bank of the Heartland

Bank Holding Company CEDAR BCORP INC

Address 117 N 10th St, Mount Vernon, IL 62864 · Jefferson

Website https://www.cfbh.bank

FDIC Certificate # 3846

Established 11/05/1906

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FED

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

1.93%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9167%

Return on Equity (ROE) 21.0000%

Non-Performing Loans (NPL) 0.05%

Total Assets $265,417,000

Total Deposits $236,694,000

Equity Capital $28,098,000

Net Income $5,509,000

Headquarters Mount Vernon

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Community First Bank of the Heartland earned the Verified Strong badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/community-first-bank-of-the-heartland-rates-review-3846">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-b-2026.svg"
       alt="MonitorBankRates Verified Strong Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Community First Bank of the Heartland 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

Add Your Rating and Review for Community First Bank of the Heartland

Frequently Asked Questions About Community First Bank of the Heartland

How many branches does Community First Bank of the Heartland operate?

Community First Bank of the Heartland 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 First Bank of the Heartland 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 First Bank of the Heartland provides members with tools to manage their accounts and build a solid financial history.

Does Community First Bank of the Heartland offer online and mobile banking?

Most modern institutions like Community First Bank of the Heartland 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.cfbh.bank.