What are the current interest rates at Exchange Bank & Trust?

Current rates for Exchange Bank & Trust include: Savings: 0.20%, MMA: 1.80%

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Exchange Bank & Trust Rates & Review October 2026

Q: How many branches does Exchange Bank & Trust operate?

Exchange Bank & Trust currently maintains approximately 10 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, Exchange Bank & Trust 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, Exchange Bank & Trust 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: October 14, 2026

Exchange Bank & Trust's top rates as of October 14, 2026 are 0.20% APY on savings, 1.80% APY on money market accounts, 0.20% APY on checking, and auto loans from 5.351% APR, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Exchange Bank & Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.06%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 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

1.06%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Exchange Bank & Trust

600 Commercial St
Atchison, KS 66002

https://www.ebt.bank/

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Exchange Bank & Trust Savings Rates

Product	Rate	APY
Christmas Club	0.20%	0.20%
Min Deposit $5 Min Balance $0 Details Balance: minimum $0.01 daily to obtain disclosed APY; interest rate and APY may change after account opening; fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
True Savings	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Balance: minimum $0.01 daily to obtain disclosed APY; interest rate and APY may change after account opening; fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Youth Savings	0.20%	0.20%
Min Deposit $25 Min Balance $0 Details Balance: minimum $0.01 daily to obtain disclosed APY; interest rate and APY may change after account opening; fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%

Exchange Bank & Trust Money Market Rates

Product	Rate	APY
Money Market	1.79%	1.80%
Min Deposit $500 Min Balance $250,000 Details Balance: $250,000 and greater Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Money Market	1.34%	1.35%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 1.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Money Market	0.95%	0.95%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.95% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Money Market	0.80%	0.80%
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Money Market	0.55%	0.55%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.55% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Money Market	0.50%	0.50%
Min Deposit $500 Min Balance $0 Details Balance: up to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%

Exchange Bank & Trust Checking Rates

Product	Rate	APY
50 Plus Interest Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: minimum $0.01 daily to obtain disclosed APY; interest rate and APY may change after account opening; fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%
Interest Checking	0.20%	0.20%
Min Deposit $1,000 Min Balance $0 Details Balance: minimum $0.01 daily to obtain disclosed APY; interest rate and APY may change after account opening; fees may reduce earnings Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%

Exchange Bank & Trust Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.50%	10 years
Details As Low As; Real Estate Loans; Introductory rate for first 12 months following loan origination. After first 12 months, variable rate loan with annual adjustments. Last Updated 10/14/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%

Exchange Bank & Trust Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans - New & Used Vehicles	-	-	5.351%
Details As Low As; Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+) approved by Exchange Bank & Trust. Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.35% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.06%

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.

Financial Health History

Exchange Bank & Trust’s Texas Ratio stayed near 0.59% in Q3 2023 to 1.06% 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 5.0 to 5.0. 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	$627M	1.06%	5.0	A+
March 31, 2026	$627M	0.35%	5.0	A+
December 31, 2025	$631M	0.28%	5.0	A+
September 30, 2025	$593M	0.26%	5.0	A+
June 30, 2025	$595M	0.34%	5.0	A+
March 31, 2025	$601M	1.19%	5.0	A+
December 31, 2024	$592M	0.35%	5.0	A+
September 30, 2024	$563M	0.41%	5.0	A+
June 30, 2024	$554M	0.51%	5.0	A+
March 31, 2024	$566M	0.57%	5.0	A+
December 31, 2023	$579M	0.45%	5.0	A+
September 30, 2023	$559M	0.59%	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 Exchange Bank & Trust 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 Exchange Bank & Trust 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 Exchange Bank & Trust's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Exchange Bank & Trust

Bank Holding Company EXCHANGE BANKSHARES CORP OF KS

Address 600 Commercial St, Atchison, KS 66002 · Atchison

Website https://www.ebt.bank/

FDIC Certificate # 4619

Established 18560101

FDIC Insurance Date 19340101

Domestic Offices 10

Total Branches 10

Regulator FDIC

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

1.06%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6971%

Return on Equity (ROE) 13.7500%

Non-Performing Loans (NPL) 0.13%

Total Assets $626,801,000

Total Deposits $539,715,000

Equity Capital $79,687,000

Net Income $5,333,000

Headquarters Atchison

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Exchange Bank & Trust earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/exchange-bank-and-trust-rates-review-4619">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Exchange Bank & Trust

How many branches does Exchange Bank & Trust operate?

Exchange Bank & Trust currently maintains approximately 10 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, Exchange Bank & Trust 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, Exchange Bank & Trust provides members with tools to manage their accounts and build a solid financial history.

Does Exchange Bank & Trust offer online and mobile banking?

Most modern institutions like Exchange Bank & Trust 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.ebt.bank/.