What are the current interest rates at CorTrust Bank?

Current rates for CorTrust Bank include: 12-Month CD: 4.00%, 18-Month CD: 4.00%, 24-Month CD: 4.15%, 36-Month CD: 4.25%, 48-Month CD: 4.25%, 60-Month CD: 4.30%, Savings: 0.15%

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CorTrust Bank Rates & Review September 2026

Q: How many branches does CorTrust Bank operate?

CorTrust Bank currently maintains approximately 37 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, CorTrust 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, CorTrust Bank 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 18, 2026

CorTrust Bank's 5 Year Certificates of Deposit rates are at 4.30%, 3 Year Certificates of Deposit rates are at 4.25%, 4 Year Certificates of Deposit rates are at 4.25%, 2 Year Certificates of Deposit rates are at 4.15%, 30-Month Certificates of Deposit rates are at 4.15%. CorTrust Bank's savings rates are at 0.15%. MonitorBankRates evaluates the financial stability of CorTrust Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.11%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.11%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

CorTrust Bank National Association

100 E Havens Ave
Mitchell, SD 57301

https://www.cortrustbank.com

CorTrust Bank CD Rates

Product	Rate	APY	Term
5 Year Certificates of Deposit	4.23%	4.30%	5 Year
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
3 Year Certificates of Deposit	4.19%	4.25%	3 Year
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
4 Year Certificates of Deposit	4.18%	4.25%	4 Year
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
2 Year Certificates of Deposit	4.09%	4.15%	2 Year
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
30 Month Certificates of Deposit	4.09%	4.15%	30 Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
1 Year Certificates of Deposit	3.94%	4.00%	1 Year
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
18 Month Certificates of Deposit	3.94%	4.00%	18 Month
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
182 Day Certificates of Deposit	3.77%	3.80%	182 Day
Min Deposit $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
91 Day Certificates of Deposit	3.70%	3.75%	91 Day
Min Deposit $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

CorTrust Bank Savings Rates

Product	Rate	APY
CorSavings	1.49%	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	1.24%	1.25%
Min Balance $250,000 Details Balance: $250,000 - 499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	1.24%	1.25%
Min Balance $500,000 Details Balance: $500,000 - 999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	1.00%	1.00%
Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	0.50%	0.50%
Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - 49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
CorSavings	0.15%	0.15%
Min Balance $0 Details Balance: $0.01 - 24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

CorTrust Bank Checking Rates

Product	Rate	APY
Premium Checking	0.75%	0.75%
Min Balance $1,000,000 Details Balance: $1,000,000 & over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 - 249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.50%	0.50%
Min Balance $250,000 Details Balance: $250,000 - 499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.50%	0.50%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 - 49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000 - 99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%
Premium Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - 24,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

CorTrust Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA Certificates	1.24%	-	1.25%
Min Balance $250,000 Details Balance: $250,000 & over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.11%

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

CorTrust Bank’s Texas Ratio rose from 4.07% in Q3 2023 to 5.11% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. 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	$1.6B	5.11%	5.0	A+
March 31, 2026	$1.6B	7.05%	5.0	A
December 31, 2025	$1.5B	7.26%	5.0	A
September 30, 2025	$1.5B	3.36%	5.0	A+
June 30, 2025	$1.5B	4.01%	5.0	A+
March 31, 2025	$1.5B	0.61%	5.0	A+
December 31, 2024	$1.5B	0.36%	5.0	A+
September 30, 2024	$1.5B	0.69%	5.0	A+
June 30, 2024	$1.5B	0.94%	5.0	A+
March 31, 2024	$1.5B	2.61%	5.0	A+
December 31, 2023	$1.6B	0.78%	5.0	A+
September 30, 2023	$1.6B	4.07%	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 CorTrust 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 CorTrust 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 CorTrust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name CorTrust Bank

Bank Holding Company HOPKINS FINANCIAL CORP

Address 100 E Havens Ave, Mitchell, SD 57301 · Davison

Website https://www.cortrustbank.com

FDIC Certificate # 6063

Established 19301031

FDIC Insurance Date 19340101

Domestic Offices 37

Total Branches 37

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.11%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3842%

Return on Equity (ROE) 4.3100%

Non-Performing Loans (NPL) 0.45%

Total Assets $1,564,404,000

Total Deposits $1,375,647,000

Equity Capital $138,861,000

Net Income $2,979,000

Headquarters Mitchell

Total Branches and Offices 37

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

CorTrust Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About CorTrust Bank

How many branches does CorTrust Bank operate?

CorTrust Bank currently maintains approximately 37 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, CorTrust 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, CorTrust Bank provides members with tools to manage their accounts and build a solid financial history.

Does CorTrust Bank offer online and mobile banking?

Most modern institutions like CorTrust 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.cortrustbank.com.