|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Fairfield Federal S&L of Lancaster Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 19, 2026
Fairfield Federal S&L of Lancaster's 18-Month Certificate Account rates are at 3.66%, 12-Month Certificate Account rates are at 3.56%, 6-Month Certificate Account rates are at 3.30%, 18-Month FIXED IRA ACCOUNT rates are at 3.04%, 24-Month Certificate Account rates are at 3.04%. Fairfield Federal S&L of Lancaster's savings rates are at 0.03%. Fairfield Federal S&L of Lancaster's money market rates are at 0.02%. Fairfield Federal S&L of Lancaster's 30 YEAR 1/1 ARM 1 - 4 FAMILY RESIDENTIAL RENTAL PROPERTY LOANS rates are at 6.12%, 15 YEAR FIXED RATE Mortgage rates are at 6.62%, 30 YEAR 5/1 ARM 1 - 4 FAMILY RESIDENTIAL RENTAL PROPERTY LOANS rates are at 6.88%, 30 YEAR FIXED RATE Mortgage rates are at 6.88%. MonitorBankRates evaluates the financial stability of Fairfield Federal S&L of Lancaster with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.31%. Rates last updated and verified on 09/19/2026. Fairfield Federal S&L of Lancaster 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 Fairfield Federal S&L of Lancaster? Share your experience about Fairfield Federal S&L of Lancaster by leaving a review below, or read customer reviews before you decide to use Fairfield Federal S&L of Lancaster. Fairfield Federal S&L of Lancaster
111 E Main St
https://www.fairfieldfederal.com Lancaster, OH 43130 
Fairfield Federal S&L of Lancaster CD Rates
Fairfield Federal S&L of Lancaster Savings Rates
Fairfield Federal S&L of Lancaster Money Market Rates
Fairfield Federal S&L of Lancaster Checking Rates
Fairfield Federal S&L of Lancaster Mortgage Rates
Fairfield Federal S&L of Lancaster Home Equity & HELOC
Fairfield Federal S&L of Lancaster Other Rates
Financial Health HistoryFairfield Federal S&L of Lancaster’s Texas Ratio fell from 3.53% in Q3 2023 to 1.31% in Q2 2026, so its financial health has improved and is now 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
Powered by
MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Fairfield Federal S&L of Lancaster 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 Fairfield Federal S&L of Lancaster 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 Fairfield Federal S&L of Lancaster's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Fairfield Federal S&L of Lancaster
FDIC Certificate #
27806
Address
111 E Main St,
Lancaster, OH 43130 · Fairfield
Website
https://www.fairfieldfederal.com
Established
18950101
FDIC Insurance Date
19890809
Domestic Offices
3
Total Branches
3
Regulator
OCC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 99/100
5.0
Exceptional
Out of 5.0 Stars
1.31%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.4542%
Return on Equity (ROE)
3.8500%
Non-Performing Loans (NPL)
0.15%
Total Assets
$281,462,000
Total Deposits
$247,404,000
Equity Capital
$33,366,000
Net Income
$638,000
Headquarters
Lancaster
Total Branches and Offices
3
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
There are no reviews for Fairfield Federal S&L of Lancaster 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.
Add Your Rating and Review for Fairfield Federal S&L of Lancaster
Frequently Asked Questions About Fairfield Federal S&L of LancasterHow many branches does Fairfield Federal S&L of Lancaster operate?Fairfield Federal S&L of Lancaster currently maintains approximately 3 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, Fairfield Federal S&L of Lancaster 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, Fairfield Federal S&L of Lancaster provides members with tools to manage their accounts and build a solid financial history. Does Fairfield Federal S&L of Lancaster offer online and mobile banking?Most modern institutions like Fairfield Federal S&L of Lancaster 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.fairfieldfederal.com. Current Fairfield Federal S&L of Lancaster Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Willamette Valley Bank
Black Mountain Savings Bank
Citizens Bank & Trust (AL)
GenuBank
Roxboro Savings Bank
EverBank
Armstrong Bank
First Bethany Bank & Trust
State Bank of Bellingham
State Bank of Wynnewood
Grand Valley Bank
Central Valley Community Bank
Glenwood State Bank
Monesty, a div of American Commerce Bank
Citizens National Bank at Brownwood
1st Farmers Bank of Waurika
Eaton Community Bank
First Midwest Bank of the Ozarks
Newport Federal Bank
Redwood Capital Bank
Fortifi Bank
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
