What are the current interest rates at FinWise Bank?

Current rates for FinWise Bank include: 12-Month CD: 4.00%

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FinWise Bank Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 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 4.3 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 22.97%. Rates last updated and verified on 09/18/2026.

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

B-

Adequate Health Score: 82/100

MonitorBankRates Rating

4.3

Excellent Out of 5.0 Stars

Texas Ratio

22.97%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

FinWise Bank

756 E Winchester St
Murray, UT 84107

https://www.finwise.bank

FinWise Bank CD Rates

Product	Rate	APY	Term
12-Month Term	-	4.00%	12-Month Term
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.97%
6-Month Term	-	3.95%	6-Month Term
Min Deposit $500 Last Updated 09/18/2026 Institution Ratings 4.3 Star Rating B- Health Grade ◈ Texas Ratio: 22.97%

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

FinWise Bank’s Texas Ratio rose from 9.21% in Q3 2023 to 22.97% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.3 and its Health Grade from A to B-. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$915M	22.97%	4.3	B-
March 31, 2026	$890M	30.89%	3.7	C-
December 31, 2025	$967M	27.37%	4.0	C
September 30, 2025	$899M	27.65%	4.0	C
June 30, 2025	$833M	26.53%	4.0	C+
March 31, 2025	$796M	20.57%	4.5	B
December 31, 2024	$733M	25.57%	4.1	C+
September 30, 2024	$672M	21.97%	4.4	B
June 30, 2024	$607M	20.56%	4.5	B
March 31, 2024	$602M	20.35%	4.6	B
December 31, 2023	$582M	22.08%	4.4	B
September 30, 2023	$550M	9.21%	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 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 20000725

FDIC Insurance Date 20000725

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B-

Overall Health Grade Score: 82/100

4.3

Excellent Out of 5.0 Stars

22.97%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4167%

Return on Equity (ROE) 8.1400%

Non-Performing Loans (NPL) 4.11%

Total Assets $915,475,000

Total Deposits $722,978,000

Equity Capital $164,086,000

Net Income $6,547,000

Headquarters Murray

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

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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.