MonitorBankRates
☰
Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?
  1. Home›
  2. Banks›
  3. Finworth, a division of InsBank
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.

Finworth, a division of InsBank Rates & Review September 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.
Read Full Bio →
| 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 and Verified: September 17, 2026

Finworth, a division of InsBank's 22-Months 22-Month CD rates are at 4.35%, 24-Months 24-Month CD rates are at 4.35%, 18-Months 18-Month CD rates are at 4.30%, 12-Months 12-Month CD rates are at 4.25%, 9-Months 9-Month CD rates are at 4.20%. Finworth, a division of InsBank's savings rates are at 4.10%. MonitorBankRates evaluates the financial stability of Finworth, a division of InsBank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.15%. Rates last updated and verified on 09/17/2026.

Finworth, a division of InsBank 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 Finworth, a division of InsBank? Share your experience about Finworth, a division of InsBank by leaving a review below, or read customer reviews before you decide to use Finworth, a division of InsBank.

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.15%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
InsBank
2106 Crestmoor Rd
Nashville, TN 37215
https://www.finworth.com
Member FDIC

Finworth, a division of InsBank CD Rates

Product Rate APY Term View More
22 month CD 4.35% 4.35% 22 months
Min Deposit $50,000
Details Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
24 month CD 4.35% 4.35% 24 months
Min Deposit $50,000
Details 2-year CD. Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
18 month CD 4.30% 4.30% 18 months
Min Deposit $50,000
Details Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
12 month CD 4.25% 4.25% 12 months
Min Deposit $50,000
Details Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
9 month CD 4.18% 4.20% 9 months
Min Deposit $50,000
Details Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
6 month CD 4.11% 4.15% 6 months
Min Deposit $50,000
Details Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
3 month CD 3.89% 3.95% 3 months
Min Deposit $50,000
Details 90-day CD. Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
36 month CD 3.30% 3.30% 36 months
Min Deposit $50,000
Details 3-year CD. Min to open $50,000, max $240,000. Rate effective 09/15/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%

Finworth, a division of InsBank Savings Rates

Product Rate APY View More
High Yield Savings - 4.10%
Min Deposit $5,000
Details Variable rate. Min to open $5,000, max $250,000. Accurate as of 09/10/2026.
Last Updated 09/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.15%
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Powered by MonitorBankRates

Financial Health History

Finworth, a division of InsBank’s Texas Ratio rose from 1.62% in Q3 2023 to 2.15% 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; 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 1.62% A+ Q3 2023 A Q4 2023 A Q1 2024 A Q2 2024 A Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A Q3 2025 A+ Q4 2025 A+ Q1 2026 2.15% A+ Q2 2026
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)
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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$1.1B2.15%5.0A+
March 31, 2026$1.1B2.31%5.0A+
December 31, 2025$1.1B5.06%5.0A+
September 30, 2025$962M6.49%5.0A
June 30, 2025$946M5.05%5.0A+
March 31, 2025$935M5.19%5.0A+
December 31, 2024$903M5.40%5.0A+
September 30, 2024$869M7.92%5.0A
June 30, 2024$833M7.73%5.0A
March 31, 2024$825M7.98%5.0A
December 31, 2023$834M7.99%5.0A
September 30, 2023$811M1.62%5.0A+
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 Finworth, a division of InsBank 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 Finworth, a division of InsBank 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 Finworth, a division of InsBank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name INSBank
Bank Holding Company INSCORP INC
Address 2106 Crestmoor Rd, Nashville, TN 37215  ·  Davidson
Website https://www.finworth.com
FDIC Certificate # 35521
Established 20001120
FDIC Insurance Date 20001120
Domestic Offices 3
Total Branches 3
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.15%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.9358%
Return on Equity (ROE) 9.5200%
Non-Performing Loans (NPL) 0.21%
Total Assets $1,078,594,000
Total Deposits $905,769,000
Equity Capital $107,356,000
Net Income $5,001,000
Headquarters Nashville
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Finworth, a division of InsBank 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/finworth-cd-rates">
  <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

Phene Wardlaw
★★★★★
September 17, 2026
I opened a High-Yield Savings with Finworth and had a pleasant experience. The online system is easy to use, and I applied quickly. I also was happy with the rate.
Log in to reply Are you from Finworth, a division of InsBank and want to reply to a review? Log in or register and verify yourself to reply as a representative from Finworth, a division of InsBank.
Want to discuss Finworth, a division of InsBank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Finworth, a division of InsBank
Your Name:
Your Rating:

Frequently Asked Questions About Finworth, a division of InsBank

How many branches does Finworth, a division of InsBank operate?

Finworth, a division of InsBank 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, Finworth, a division of InsBank 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, Finworth, a division of InsBank provides members with tools to manage their accounts and build a solid financial history.

Does Finworth, a division of InsBank offer online and mobile banking?

Most modern institutions like Finworth, a division of InsBank 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.finworth.com.

Current Finworth, a division of InsBank Rates

  • 12-Month CD4.25%
  • 18-Month CD4.30%
  • 24-Month CD4.35%
  • 36-Month CD3.30%
  • Savings4.10%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Boston Trust Walden Company Citizens Federal S&L Assoc Reliance State Bank St. Ansgar State Bank InFirst Bank SBT State Bank of Toulon Crescent Bank First National Bank in Carlyle Davidson Trust Co. Neighborhood National Bank Mora, MN Beauregard FSB Alton Bank Interaudi Bank Bank of Alapaha Maspeth Federal S&L Great Nations Bank Bank of Easton Liberty Bank Minnesota Fnbc B&t UMB United Mississippi Bank FSB Holton, KS