What are the current interest rates at Farmers National Bank?

Current rates for Farmers National Bank include: 12-Month CD: 3.70%, 18-Month CD: 2.95%, 24-Month CD: 3.05%, 36-Month CD: 3.20%, 48-Month CD: 3.30%, 60-Month CD: 3.40%, Savings: 0.35%, MMA: 0.35%

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Farmers National Bank Rates & Review November 2026

Q: What CD terms does Farmers National Bank offer?

Farmers National Bank CD rates are 3.75% APY for a 9 month CD, 4.00% APY for a 12 month CD, 2.95% APY for an 18 month CD, 3.05% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Farmers National Bank for its full lineup.

Q: How many branches does Farmers National Bank operate?

Farmers National Bank currently maintains approximately 4 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, Farmers 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Farmers National Bank's 12-Month CD rates are at 4.00%, 60-Month CD rates are at 3.75%, (275 days) 9-Month CD rates are at 3.75%, 48-Month CD rates are at 3.60%, 36-Month CD rates are at 3.50%. Farmers National Bank's savings rates are at 0.35%. Farmers National Bank's money market rates are at 0.35%. Farmers National Bank's 15 Year Fixed rates are at 6.875%, Residential Mortgage - 15 Year Fixed rates are at 6.875%, 20 Year Fixed rates are at 7.375%, Residential Mortgage - 20 Year Fixed rates are at 7.375%, 30 Year Fixed rates are at 7.625%. Farmers National Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Farmers National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.91%. Rates last updated and verified on 11/06/2026.

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

0.91%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Farmers National Bank

114 W 3rd St
Prophetstown, IL 61277

https://www.farmersnationalbank.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.

Farmers National Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
12-Month CD / IRA	3.94%	4.00%	12 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
12-Month CD	3.94%	4.00%	12 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
12-Month CD	3.75%	3.80%	12 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 12-month	3.75%	3.80%	12 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Nov 1, 20263.80%▲ from 3.70% Oct 7, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
60-Month CD / IRA	3.70%	3.75%	60 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
60-Month CD	3.70%	3.75%	60 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
9-Month CD / IRA	3.70%	3.75%	9 Months (275 days)	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
9-Month CD	3.70%	3.75%	9 Months (275 days)	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
12-Month CD	3.65%	3.70%	12 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 12-month	3.65%	3.70%	12 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
48-Month CD / IRA	3.55%	3.60%	48 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
48-Month CD	3.55%	3.60%	48 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
9-Month CD	3.50%	3.55%	9 Months (275 days)	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 9-month (275 days)	3.50%	3.55%	9 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Nov 1, 20263.55%▲ from 3.45% Oct 7, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
36-Month CD / IRA	3.46%	3.50%	36 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
36-Month CD	3.46%	3.50%	36 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Nov 1, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
6-Month CD / IRA	3.46%	3.50%	6 Months (182 Days)	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
6-Month CD	3.46%	3.50%	6 Months (182 Days)	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Nov 1, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
60-Month CD	3.46%	3.50%	60 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 60-month	3.46%	3.50%	60 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Nov 1, 20263.50%▲ from 3.40% Oct 7, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Special IRA 60-Month	3.46%	3.46%	60 Month	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 3.46% ▼ 0.04 pts · high 3.50% / low 3.46% Sep 27, 20263.46%▼ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
9-Month CD	3.41%	3.45%	9 Months (275 days)	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 9-month (275 days)	3.41%	3.45%	9 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
48-Month CD	3.36%	3.40%	48 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
60-Month CD	3.36%	3.40%	60 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 48-month	3.36%	3.40%	48 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Nov 1, 20263.40%▲ from 3.30% Oct 7, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 60-month	3.36%	3.40%	60 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
24-Month CD / IRA	3.31%	3.35%	24 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
24-Month CD	3.31%	3.35%	24 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
36-Month CD	3.26%	3.30%	36 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
48-Month CD	3.26%	3.30%	48 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
6-Month CD	3.26%	3.30%	6 Months (182 Days)	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 36-month	3.26%	3.30%	36 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Nov 1, 20263.30%▲ from 3.20% Oct 7, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 48-month	3.26%	3.30%	48 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 6-month (182 Days)	3.26%	3.30%	6 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20% Nov 1, 20263.30%▲ from 3.20% Oct 7, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
18-Month CD / IRA	3.21%	3.25%	18 Months	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
18-Month CD	3.21%	3.25%	18 Months	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
3-Month CD / IRA	3.21%	3.25%	3 Months (91 Days)	-
Min Balance $100,000 Details Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
3-Month CD	3.21%	3.25%	3 Months (91 Days)	-
Min Balance $100,000 Details Minimum Balance: $100,000 Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
36-Month CD	3.16%	3.20%	36 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
6-Month CD	3.16%	3.20%	6 Months (182 Days)	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 36-month	3.16%	3.20%	36 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 6-month (182 Days)	3.16%	3.20%	6 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
24-Month CD	3.11%	3.15%	24 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 24-month	3.11%	3.15%	24 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05% Nov 1, 20263.15%▲ from 3.05% Oct 7, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
18-Month CD	3.02%	3.05%	18 Months	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
24-Month CD	3.02%	3.05%	24 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
3-Month CD	3.02%	3.05%	3 Months (91 Days)	$500
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 18-month	3.02%	3.05%	18 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Nov 1, 20263.05%▲ from 2.95% Oct 7, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 24-month	3.02%	3.05%	24 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 3.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 3-month (91 Days)	3.02%	3.05%	3 Months	-
Min Balance $10,000 Last Updated 11/06/2026 Rate History 1 change since Oct 7, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Nov 1, 20263.05%▲ from 2.95% Oct 7, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
18-Month CD	2.92%	2.95%	18 Months	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
3-Month CD	2.92%	2.95%	3 Months (91 Days)	-
Min Balance $500 Details Balance: $500; Rates effective as of 10/15/2026 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 18-month	2.92%	2.95%	18 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
CD / IRA - 3-month (91 Days)	2.92%	2.95%	3 Months	-
Min Balance $500 Details Rates effective as of 10/15/26 Last Updated 11/06/2026 Rate History No change since Oct 7, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%

Farmers National Bank Savings Rates

Product	Rate	APY
Christmas Club	0.35%	0.35%
Min Balance $0 Details Balance: $0.01 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Health Savings Account	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Savings	0.35%	0.35%
Min Balance $0 Details Balance: $0.01 and over; APY is subject to change without notice. Rates may change after account is open. Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Health Savings Account	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Health Savings Account	0.25%	0.25%
Min Balance $0 Details Balance: $0.01 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%

Farmers National Bank Money Market Rates

Product	Rate	APY
Money Market	0.35%	0.35%
Min Balance $10,000 Details Balance: $10,000 minimum tier Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Money Market	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000 minimum tier Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Money Market	0.25%	0.25%
Min Balance $0 Details Balance: $0.01 minimum tier Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%

Farmers National Bank Mortgage Rates

Product	Rate	Points	APR
15 Year Fixed	6.875%	-	6.955%
Details Mortgage rate; Payment per $100,000: $891.85; Rates effective as of 10/29/2026; APR based on $100,000 no cash-out refinance loan and 20% down payment for conventional loans Last Updated 11/06/2026 Rate History No change since Nov 1, 2026 · 6.96% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Residential Mortgage - 15 Year Fixed	6.875%	-	6.955%
Details APR based on a no cash-out refinance loan amount of $100,000 and 20% down payment for conventional loans. Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 7.08% → 6.96% ▼ 0.13 pts · high 7.08% / low 6.96% Nov 1, 20266.96%▼ from 7.08% Oct 21, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
20 Year Fixed	7.375%	-	7.441%
Details Mortgage rate; Payment per $100,000: $797.97; Rates effective as of 10/29/2026; APR based on $100,000 no cash-out refinance loan and 20% down payment for conventional loans Last Updated 11/06/2026 Rate History No change since Nov 1, 2026 · 7.44% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Residential Mortgage - 20 Year Fixed	7.375%	-	7.441%
Details APR based on a no cash-out refinance loan amount of $100,000 and 20% down payment for conventional loans. Last Updated 11/06/2026 Rate History 1 change since Oct 21, 2026 · 7.57% → 7.44% ▼ 0.13 pts · high 7.57% / low 7.44% Nov 1, 20267.44%▼ from 7.57% Oct 21, 20267.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
30 Year Fixed	7.625%	-	7.676%
Details Mortgage rate; Payment per $100,000: $707.79; Rates effective as of 10/29/2026; APR based on $100,000 no cash-out refinance loan and 20% down payment for conventional loans Last Updated 11/06/2026 Rate History No change since Nov 1, 2026 · 7.68% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Residential Mortgage - 30 Year Fixed	7.625%	-	7.676%
Details APR based on a no cash-out refinance loan amount of $100,000 and 20% down payment for conventional loans. Last Updated 11/06/2026 Rate History No change since Oct 21, 2026 · 7.68% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%

Farmers National Bank Other Rates

Product	Rate	Points	APY/APR
Investment Plus	0.45%	-	0.45%
Min Balance $50,000 Details Balance tier: $50,000 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus	0.40%	-	0.40%
Min Balance $25,000 Details Balance tier: $25,000 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus	0.30%	-	0.30%
Min Balance $0 Details Balance tier: $0.01 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus II	0.85%	-	0.85%
Min Balance $500,000 Details Balance tier: $500,000 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus II	0.70%	-	0.70%
Min Balance $300,000 Details Balance tier: $300,000 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus II	0.55%	-	0.55%
Min Balance $100,000 Details Balance tier: $100,000 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Investment Plus II	0.35%	-	0.35%
Min Balance $0 Details Balance tier: $0.01 minimum Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Super NOW	0.35%	-	0.35%
Min Balance $5,000 Details Minimum balance: $5,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%
Super NOW	0.25%	-	0.25%
Min Balance $0 Details Minimum balance: $0.01 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.91%

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

Farmers National Bank’s Texas Ratio stayed near 0.49% in Q3 2023 to 0.91% 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	$896M	0.91%	5.0	A+
March 31, 2026	$914M	4.97%	5.0	A+
December 31, 2025	$902M	0.18%	5.0	A+
September 30, 2025	$885M	0.06%	5.0	A+
June 30, 2025	$903M	0.42%	5.0	A+
March 31, 2025	$895M	1.96%	5.0	A+
December 31, 2024	$886M	0.47%	5.0	A+
September 30, 2024	$868M	0.78%	5.0	A+
June 30, 2024	$848M	1.29%	5.0	A+
March 31, 2024	$849M	0.30%	5.0	A+
December 31, 2023	$870M	0.77%	5.0	A+
September 30, 2023	$846M	0.49%	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 Farmers 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 Farmers 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 Farmers National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Farmers National Bank

Website https://www.farmersnationalbank.bank

Address 114 W 3rd St, Prophetstown, IL 61277 · Whiteside

Bank Holding Company PROPHETSTOWN BANKING CO

FDIC Certificate # 3732

Regulator OCC

Established July 1, 1902

FDIC Insurance Date January 1, 1934

Domestic Offices 4

Total Branches 4

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.91%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1706%

Return on Equity (ROE)

8.4100%

Non-Performing Loans Ratio (NPL)

0.13%

Total Assets

$895,663,000

Total Deposits

$637,196,000

Equity Capital

$127,993,000

Net Income

$5,290,000

Headquarters

Prophetstown

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Farmers 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.

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, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/farmers-national-bank-rates-review-3732">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Frequently Asked Questions About Farmers National Bank

Does Farmers National Bank offer CDs?

Yes. Farmers National Bank current CD rates include its 12-Month CD at 4.00% APY, its 60-Month CD at 3.75% APY and its (275 days) 9-Month CD at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Farmers National Bank FDIC insured?

Yes. Farmers National Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Farmers National Bank?

The highest Farmers National Bank CD rate is its 12-Month CD / IRA at 4.00% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Farmers National Bank offer?

Farmers National Bank CD rates are 3.75% APY for a 9 month CD, 4.00% APY for a 12 month CD, 2.95% APY for an 18 month CD, 3.05% APY for a 2 year CD, 3.50% APY for a 3 year CD, 3.60% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Farmers National Bank for its full lineup.

What is the highest savings rate at Farmers National Bank?

The highest Farmers National Bank savings rate is its Health Savings Account at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Farmers National Bank?

The highest Farmers National Bank money market rate is its Money Market at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest 30 year fixed mortgage rate at Farmers National Bank?

The lowest Farmers National Bank 30 year fixed mortgage rate is its 30 Year Fixed at 7.625%, verified by MonitorBankRates as of November 6, 2026. Farmers National Bank mortgage rates are 7.625% for a 30 year mortgage, 7.375% for a 20 year mortgage and 6.875% for a 15 year mortgage.

How many branches does Farmers National Bank operate?

Farmers National Bank 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, Farmers 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, Farmers National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Farmers National Bank offer online and mobile banking?

Most modern institutions like Farmers 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.farmersnationalbank.bank.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Farmers National Bank rates compare?

Farmers National Bank's top CD rate of 4.00% APY on a 12 month CD is 32% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Farmers National Bank's top rates are its 12-Months 12-Month CD / IRA at 4.00% APY, its Health Savings Account at 0.35% APY, its Money Market at 0.35% APY and its 15 Year Fixed at 6.875%, verified by MonitorBankRates on November 6, 2026.

Current Farmers National Bank Rates

12-Month CD3.70%
18-Month CD2.95%
24-Month CD3.05%
36-Month CD3.20%
48-Month CD3.30%
60-Month CD3.40%
Savings0.35%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

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Farmers National Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Farmers National Bank Texas Ratio

Farmers National Bank Health Trend

Farmers National Bank CD Rates

Farmers National Bank Savings Rates

Farmers National Bank Money Market Rates

Farmers National Bank Mortgage Rates

Farmers National Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Farmers National Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Farmers National Bank

Does Farmers National Bank offer CDs?

Are CDs from Farmers National Bank FDIC insured?

What is the highest CD rate at Farmers National Bank?

What CD terms does Farmers National Bank offer?

What is the highest savings rate at Farmers National Bank?

What is the highest money market rate at Farmers National Bank?

What is the lowest 30 year fixed mortgage rate at Farmers National Bank?

How many branches does Farmers National Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Farmers National Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Farmers National Bank rates compare?

Current Farmers National Bank Rates

Compare to Other Banks