What are the current interest rates at First FSB of Champaign Urbana?

Current rates for First FSB of Champaign Urbana include: 12-Month CD: 0.15%, 18-Month CD: 0.15%, 24-Month CD: 0.25%, 48-Month CD: 0.40%

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First FSB of Champaign Urbana

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First FSB of Champaign Urbana Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First FSB of Champaign Urbana 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: October 7, 2026

First FSB of Champaign Urbana's top rates as of October 7, 2026 are 0.40% APY on its Roth IRA 4 Year CD, and 6.50% on its 10 Year Fixed Mortgage, according to rates verified by MonitorBankRates. Other First FSB of Champaign Urbana CD rates include Roth IRA 24-Month CD at 0.25%, Roth IRA 18-Month CD at 0.20%, and Roth IRA 1 Year CD at 0.15%. Other First FSB of Champaign Urbana mortgage rates include 10 Year Fixed at 6.50%, 15 Year Fixed Mortgage at 6.625%, and 15 Year Fixed at 6.625%. MonitorBankRates evaluates the financial stability of First FSB of Champaign Urbana with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 10/07/2026.

First FSB of Champaign Urbana 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 First FSB of Champaign Urbana? Share your experience about First FSB of Champaign Urbana by leaving a review below, or read customer reviews before you decide to use First FSB of Champaign Urbana.

Verified Healthy Q2 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

0.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First FSB of Champaign Urbana

1311 S Neil St
Champaign, IL 61820

https://www.356bank.com

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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.

First FSB of Champaign Urbana CD Rates

Product	Rate	APY	Term
Roth IRA 4 Year CD	0.40%	0.40%	4 Year
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 24 Month CD	0.25%	0.25%	24 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 18 Month CD	0.20%	0.20%	18 Month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 1 Year CD	0.15%	0.15%	1 Year
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 18 Month IRA	0.15%	0.15%	18 Month
Details IRA* Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 182 Day CD	0.10%	0.10%	182 Day
Min Deposit $50,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 6 month CD	0.08%	0.08%	6 month
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.08% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 30 Day CD	0.05%	0.05%	30 Day
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 60 Day CD	0.05%	0.05%	60 Day
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 90 Day CD	0.05%	0.05%	90 Day
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Roth IRA 91 Day CD	0.05%	0.05%	91 Day
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

First FSB of Champaign Urbana Mortgage Rates

Product	Rate	Points	APR	Term
10 Year Fixed Mortgage	6.50%	-	6.50%	10 Year
Details Mortgage rates are current as of October 5, 2026, and are subject to change at any time. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13% Oct 7, 20266.50%▲ from 6.38% Oct 1, 20266.38%▲ from 6.25% Sep 19, 20266.25%▲ from 6.13% Sep 15, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
10 Year Fixed	6.50%	-	6.57%	10 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.20% → 6.57% ▲ 0.38 pts · high 6.57% / low 6.20% Oct 7, 20266.57%▲ from 6.45% Oct 1, 20266.45%▲ from 6.32% Sep 19, 20266.32%▲ from 6.20% Sep 15, 20266.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
15 Year Fixed Mortgage	6.625%	-	6.625%	15 Year
Details Mortgage rates are current as of October 5, 2026, and are subject to change at any time. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.25% → 6.63% ▲ 0.38 pts · high 6.63% / low 6.25% Oct 7, 20266.63%▲ from 6.50% Oct 1, 20266.50%▲ from 6.38% Sep 19, 20266.38%▲ from 6.25% Sep 15, 20266.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
15 Year Fixed	6.625%	-	6.675%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.30% → 6.68% ▲ 0.38 pts · high 6.68% / low 6.30% Oct 7, 20266.68%▲ from 6.55% Oct 1, 20266.55%▲ from 6.43% Sep 19, 20266.43%▲ from 6.30% Sep 15, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
20 Year Fixed Mortgage	7.125%	-	7.125%	20 Year
Details Mortgage rates are current as of October 5, 2026, and are subject to change at any time. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.88% → 7.13% ▲ 0.25 pts · high 7.13% / low 6.88% Oct 7, 20267.13%▲ from 7.00% Oct 1, 20267.00%▲ from 6.88% Sep 15, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
20 Year Fixed	7.125%	-	7.199%	20 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.95% → 7.20% ▲ 0.25 pts · high 7.20% / low 6.95% Oct 7, 20267.20%▲ from 7.07% Oct 1, 20267.07%▲ from 6.95% Sep 15, 20266.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
30 Year Fixed Mortgage	7.25%	-	7.25%	30 Year
Details Mortgage rates are current as of October 5, 2026, and are subject to change at any time. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.88% → 7.25% ▲ 0.38 pts · high 7.25% / low 6.88% Oct 7, 20267.25%▲ from 7.13% Oct 1, 20267.13%▲ from 7.00% Sep 19, 20267.00%▲ from 6.88% Sep 15, 20266.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
30 Year Fixed	7.25%	-	7.307%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 6.93% → 7.31% ▲ 0.38 pts · high 7.31% / low 6.93% Oct 7, 20267.31%▲ from 7.18% Oct 1, 20267.18%▲ from 7.06% Sep 19, 20267.06%▲ from 6.93% Sep 15, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

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

First FSB of Champaign Urbana’s Texas Ratio stayed near 0.87% in Q3 2023 to 0.40% 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	$193M	0.40%	5.0	A+
March 31, 2026	$202M	0.43%	5.0	A+
December 31, 2025	$198M	0.55%	5.0	A+
September 30, 2025	$186M	0.49%	5.0	A+
June 30, 2025	$190M	0.53%	5.0	A+
March 31, 2025	$199M	0.56%	5.0	A+
December 31, 2024	$191M	0.59%	5.0	A+
September 30, 2024	$188M	0.59%	5.0	A+
June 30, 2024	$193M	0.63%	5.0	A+
March 31, 2024	$199M	0.63%	5.0	A+
December 31, 2023	$191M	0.67%	5.0	A+
September 30, 2023	$192M	0.87%	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 First FSB of Champaign Urbana 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 First FSB of Champaign Urbana 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 First FSB of Champaign Urbana's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First FSB of Champaign Urbana

Bank Holding Company GREAT AMERICAN BCORP INC

Address 1311 S Neil St, Champaign, IL 61820 · Champaign

Website https://www.356bank.com

FDIC Certificate # 28445

Established 19080101

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9218%

Return on Equity (ROE) 14.6400%

Non-Performing Loans (NPL) 0.06%

Total Assets $192,539,000

Total Deposits $163,617,000

Equity Capital $26,538,000

Net Income $1,899,000

Headquarters Champaign

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First FSB of Champaign Urbana earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

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Frequently Asked Questions About First FSB of Champaign Urbana

How many branches does First FSB of Champaign Urbana operate?

First FSB of Champaign Urbana 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, First FSB of Champaign Urbana 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, First FSB of Champaign Urbana provides members with tools to manage their accounts and build a solid financial history.

Does First FSB of Champaign Urbana offer online and mobile banking?

Most modern institutions like First FSB of Champaign Urbana 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.356bank.com.