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FinWise Bank Rates & Review June 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
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| iEditorial Disclosure
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: May 21, 2026

FinWise Bank's 12-Month Term rates are at 4.00%, 6-Month Term rates are at 3.95%. MonitorBankRates evaluates the financial stability of FinWise Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.21%. Rates were last updated on 05/21/2026.

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

Overall Health & Safety Grade ?
A
Excellent Health Score: 95/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
9.21%
Excellent Higher than avg
FinWise Bank
756 E Winchester St
Murray, UT 84107
https://www.finwise.bank
Member FDIC

FinWise Bank CD Rates

Product Rate APY Term View More
12-Month Term - 4.00% 12
Min Deposit $500
Last Updated 05/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.21%
6-Month Term - 3.95% 6
Min Deposit $500
Last Updated 05/21/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 9.21%
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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FinWise 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 FinWise 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 FinWise Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FinWise Bank
Bank Holding Company FINWISE BCORP
Address 756 E Winchester St, Murray, UT 84107  ·  Salt Lake
Website https://www.finwise.bank
FDIC Certificate # 35323
Established 07/25/2000
FDIC Insurance Date 07/25/2000
Domestic Offices 2
Total Branches 2
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 95/100
5.0
Exceptional Out of 5.0 Stars
9.21%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 4.8398%
Return on Equity (ROE) 20.9100%
Non-Performing Loans (NPL) 1.11%
Total Assets $967,454,000
Total Deposits $780,157,000
Equity Capital $157,551,000
Net Income $17,509,000
Headquarters Murray
Total Offices 2
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

Want to discuss FinWise Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
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Frequently Asked Questions About FinWise Bank

How many branches does FinWise Bank operate?

FinWise Bank currently maintains approximately 2 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, FinWise 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, FinWise Bank provides members with tools to manage their accounts and build a solid financial history.

Does FinWise Bank offer online and mobile banking?

Most modern institutions like FinWise 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.finwise.bank.

Current FinWise Bank Rates

  • 12-Month CD4.00%
Retrieved from our database of financial products. Rates subject to change.

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