Farmers Trust and Savings Bank Spencer, IA CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
Today's 12-month CD rates can be found at 3.50%, 6-month CD rates at 1.61% and 3-month CD rates at 2.75%. Current savings rates are at 0.30% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 6.79%. Credit Card rates are at 10.90%. Personal Loan rates are at 12.15%. All these rates, and more, can be found in our database of rates. Farmers Trust and Savings Bank Spencer, IA's savings rates are at 3.30%. Farmers Trust and Savings Bank Spencer, IA's money market rates are at 1.46%.
To see how these rates compare to Farmers Trust and Savings Bank Spencer, IA CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Farmers Trust and Savings Bank Spencer, IA, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Farmers Trust and Savings Bank Spencer, IA CD rates. You can also compare Farmers Trust and Savings Bank Spencer, IA savings rates, MMA rates and mortgage rates using our other rate lists. Farmers Trust and Savings Bank Spencer, IA 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 Trust and Savings Bank Spencer, IA? Share your experience about Farmers Trust and Savings Bank Spencer, IA by leaving a review below, or read customer reviews before you decide to use Farmers Trust and Savings Bank Spencer, IA. Farmers Trust and Savings Bank Spencer, IA Texas Ratio Farmers Trust and Savings Bank Spencer, IA's Texas Ratio is at 8.53%, which is considered excellent. The Texas Ratio for Farmers Trust and Savings Bank Spencer, IA is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Farmers Trust and Savings Bank Spencer, IA is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Rate
APY/APR
vs Avg
Farmers Trust and Savings Bank Spencer, IA CD Rates and Interest RatesFarmers Trust and Savings Bank Spencer, IA
Companion Savings
3.30%
$1,000
Farmers Trust and Savings Bank Spencer, IA
Money Market
1.46%
$250,000
Farmers Trust and Savings Bank Spencer, IA
Business Interest Checking
1.31%
$100,000
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Compare Farmers Trust and Savings Bank Spencer, IA Rates with Other Competitive Bank and Credit Union Rates
America First Federal Credit Union
36-Month CD
4.15%
$500
Service Federal Credit Union
12-Month CD
4.00%
$500
Jovia Federal Credit Union
Go Green Checking
4.00%
$5
Benchmark Community Bank
Success Checking
4.00%
$100
First Security Bank Mackinaw, IL
6-Month CD
4.00%
$1,000
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates January 20, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Farmers Trust and Savings Bank Spencer, IA InformationFarmers Trust and Savings Bank Spencer, IA
125 W 4th StSpencer, IA 51301 Clay Established Date: 04/07/1916 FDIC Certificate #: 12858 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: EASTER ENTERPRISES INC How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.farmerstrust.bank
Is Farmers Trust and Savings Bank Spencer, IA FDIC Insured? Yes
What is Farmers Trust and Savings Bank Spencer, IA's Cert number? 12858
What is the maximum amount for insured deposits? $250,000 per holder, per account
Farmers Trust and Savings Bank Spencer, IA FinancialsTotal Assets:
$609,102,000
Total Deposits:
$533,198,000
Equity Capital:
$47,001,000
Domestic Deposits:
$533,198,000
Net Income:
$510,000
Return on Assets:
1.0942%
Quarterly Return on Assets:
0.3400%
Pretax Return on Assets:
0.3539%
Pretax Quarterly Return on Assets:
0.3500%
Return on Equity:
13.7700%
Quarterly Return on Equity:
4.3100%
Common Equity Tier 1 Capital Ratio:
9.5560%
Tier 1 Risk-Based Capital Ratio:
9.5560%
Leverage Tier 1 (Core Capital) Ratio:
9.0804%
Total Risk-Based Capital Ratio (YTD):
10.7235%
Total Interest Income (YTD):
4.9007%
Headquarters:
Spencer
FDIC Field Office:
Sioux City
Regulator:
FDIC
County:
Clay
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals Mortgage rates continue to decline this week. 30 year mortgage rates are averaging 4.76 percent this week, down from the previous week’s average mortgage rate of 4.85 percent. The current average 30 year mortgage rate hasn't been as low since eariler this year when the Fed was still purchasing mortgage-backed securities (MBS) to keep mortgage rates low.
 Fixed rate mortgages are the most popular mortgage product for homeowners refinancing. Regardless of whether their original mortgage was an adjustable mortgage or fixed rate mortgage, the majority of people chose to refinance with a fixed rate mortgage according to Freddie Mac's Product Transition Report.
Several banks lowered CD rates on 12 month certificates of deposit over the past several weeks as 2012 comes to an end. The highest CD rates on our 12 month rate list just two weeks ago were at 1.10 percent (APY 1.11%), now the best CD rates on our 12 month rates list are 5 basis points less at 1.05 percent (APY 1.06%). The current national average 12 month CD rate is lower averaging 0.71 percent.
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