What are the current interest rates at Consumers National Bank?

Current rates for Consumers National Bank include: 12-Month CD: 3.66%, 18-Month CD: 3.85%, Savings: 0.02%, MMA: 0.10%

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Consumers National Bank Rates & Review September 2026

Q: How many branches does Consumers National Bank operate?

Consumers National Bank currently maintains approximately 23 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, Consumers National 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Consumers National Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does Consumers National Bank offer online and mobile banking?

Most modern institutions like Consumers National 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.consumers.bank.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Consumers National Bank's 18-Month Certificate of Deposit rates are at 3.85%, 12-Month Certificate of Deposit rates are at 3.66%, 5-Month Certificate of Deposit rates are at 3.50%. Consumers National Bank's savings rates are at 0.02%. Consumers National Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Consumers National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.77%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.77%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Consumers National Bank

614 E Lincolnway
Minerva, OH 44657

https://www.consumers.bank

Consumers National Bank CD Rates

Product	Rate	APY	Term
18 Month Certificate of Deposit	3.78%	3.85%	18 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
12 Month Certificate of Deposit	3.59%	3.66%	12 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
5 Month Certificate of Deposit	3.44%	3.50%	5 Month
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Consumers National Bank Savings Rates

Product	Rate	APY
Dimes to Dollars Savings	2.97%	3.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 to $999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	1.00%
Min Balance $0 Details Balance: $0.01 - $1,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	0.75%
Min Balance $1,000 Details Balance: $1,000.01 - $2,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	0.50%
Min Balance $2,000 Details Balance: $2,000.01 - $3,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	0.35%
Min Balance $3,000 Details Balance: $3,000.01 - $4,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	0.25%
Min Balance $4,000 Details Balance: $4,000.01 - $5,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Health Savings Account	0.08%	0.08%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Business Savings	0.05%	0.05%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Health Savings Account	0.05%	0.05%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Personal Savings	0.05%	0.05%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Business Savings	0.03%	0.03%
Min Deposit $100 Min Balance $200 Details Balance: $200.00 to $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Dimes to Dollars Savings	0.03%	0.03%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Holiday Savings	0.03%	0.03%
Min Deposit $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Personal Savings	0.03%	0.03%
Min Deposit $50 Min Balance $200 Details Balance: $200.00 to $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Youth Savings	-	0.03%
Min Balance $5,000 Details Balance: $5,000.01 or greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Health Savings Account	0.02%	0.02%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 to $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Consumers National Bank Money Market Rates

Product	Rate	APY
Consumers Relationship Money Market	3.54%	3.60%
Min Balance $100,000 Details Balance: $100,000 to $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	3.54%	3.60%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	3.44%	3.49%
Min Balance $20,000 Details Balance: $20,000.00 to $34,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	3.44%	3.49%
Min Balance $35,000 Details Balance: $35,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	1.98%	2.00%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 to $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	1.00%	1.01%
Min Balance $25,000 Details Balance: $25,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Money Market	0.10%	0.10%
Min Balance $0 Details Balance: < $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Consumers National Bank Checking Rates

Product	Rate	APY
Brilliant High Yield Checking	1.49%	1.50%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 to $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Brilliant High Yield Checking	0.02%	0.02%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000.01 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Checking	-	0.02%
Min Balance $0 Details Balance: < $5,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Checking	-	0.02%
Min Balance $5,000 Details Balance: $5,000.00 to $9,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Checking	-	0.02%
Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumers Relationship Checking	-	0.02%
Min Balance $50,000 Details Balance: $50,000.00 & Over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

Consumers National Bank Other Rates

Product	Rate	Points	APY/APR
Business Premium MMDA	0.10%	-	0.10%
Min Deposit $100 Min Balance $0 Details Balance: $0 to $19,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Business Premium MMDA	0.30%	-	0.30%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000 to $74,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Business Premium MMDA	0.50%	-	0.50%
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumer Premium MMDA	0.10%	-	0.10%
Min Deposit $50 Min Balance $0 Details Balance: $0 to $19,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumer Premium MMDA	0.30%	-	0.30%
Min Deposit $50 Min Balance $20,000 Details Balance: $20,000 to $74,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Consumer Premium MMDA	0.50%	-	0.50%
Min Deposit $50 Min Balance $75,000 Details Balance: $75,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
High Performance Business MMDA	0.10%	-	0.10%
Min Balance $0 Details Balance: < $20,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
High Performance Business MMDA	3.44%	-	3.49%
Min Balance $20,000 Details Balance: $20,000.00 to $34,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
High Performance Business MMDA	3.44%	-	3.49%
Min Balance $35,000 Details Balance: $35,000 to $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
High Performance Business MMDA	3.54%	-	3.60%
Min Balance $100,000 Details Balance: $100,000 to $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
High Performance Business MMDA	3.54%	-	3.60%
Min Balance $500,000 Details Balance: $500,000 & over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%
Individual Retirement Account (IRA)	0.03%	-	0.03%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.77%

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

Consumers National Bank’s Texas Ratio stayed near 0.81% in Q3 2023 to 0.77% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 2.7 to 5.0 and its Health Grade from C to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$1.3B	0.77%	5.0	A+
March 31, 2026	$1.2B	0.63%	5.0	A+
December 31, 2025	$1.2B	1.12%	5.0	A+
September 30, 2025	$1.2B	1.18%	4.9	A+
June 30, 2025	$1.2B	1.36%	4.5	A
March 31, 2025	$1.1B	1.31%	4.4	A
December 31, 2024	$1.1B	1.21%	4.2	A-
September 30, 2024	$1.1B	1.26%	4.5	A
June 30, 2024	$1.1B	1.36%	3.8	B+
March 31, 2024	$1.1B	1.96%	3.7	B
December 31, 2023	$1.1B	1.98%	3.9	B+
September 30, 2023	$1.1B	0.81%	2.7	C

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

Bank Profile & Overview

Institution Name Consumers National Bank

Bank Holding Company CONSUMERS BCORP INC

Address 614 E Lincolnway, Minerva, OH 44657 · Stark

Website https://www.consumers.bank

FDIC Certificate # 19482

Established 19650901

FDIC Insurance Date 19650901

Domestic Offices 23

Total Branches 23

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9472%

Return on Equity (ROE) 13.4200%

Non-Performing Loans (NPL) 0.05%

Total Assets $1,279,390,000

Total Deposits $1,121,145,000

Equity Capital $89,942,000

Net Income $5,886,000

Headquarters Minerva

Total Branches and Offices 23

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Consumers National Bank earned the Verified Healthy 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.

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Frequently Asked Questions About Consumers National Bank

How many branches does Consumers National Bank operate?

Consumers National Bank currently maintains approximately 23 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, Consumers National 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, Consumers National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Consumers National Bank offer online and mobile banking?

Most modern institutions like Consumers National 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.consumers.bank.