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First FSB of Mascoutah Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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: October 11, 2026

First FSB of Mascoutah's top rates as of October 11, 2026 are 4.27% APY on its 60-Months 60-Month Certificate, 1.00% APY on savings, 3.56% APY on money market accounts, 1.35% APY on checking, 6.25% on its 10 Year Fixed Rate/ 10-Year Amort mortgage, and auto loans from 7.07% APR, according to rates verified by MonitorBankRates. Other First FSB of Mascoutah CD rates include 48-Months 48-Month Certificate at 4.22%, 36-Months 36-Month Certificate at 4.16%, and 30-Months 30-Month Certificate at 4.11%. Other First FSB of Mascoutah mortgage rates include 15 Year Fixed Rate/ 10-Year Amort at 6.50%, 20 Year Fixed Rate/ 10-Year Amort at 7.00%, and 30 Year Fixed Rate/ 10-Year Amort at 7.375%. MonitorBankRates evaluates the financial stability of First FSB of Mascoutah with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.14%. Rates last updated and verified on 10/11/2026.

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

Overall Health & Safety Grade ?
B+
Good Health Score: 90/100
MonitorBankRates Rating ?
4.8
Exceptional Out of 5.0 Stars
Texas Ratio ?
17.14%
Good Higher than avg
Health Trend ?
Worsening 12 quarters
Full history ›
First FSB of Mascoutah
101 W Main St
Mascoutah, IL 62258
https://www.firstfederalmascoutah.com
MemberFDIC
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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 Mascoutah CD Rates

Product Rate APY Term View More
60 Month Certificate 4.20% 4.27% 60 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.75% → 4.27% ▲ 0.52 pts · high 4.27% / low 3.75%
3.23%4.01%4.79%Oct 7, 2026: 3.75% APYOct 11, 2026: 4.27% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.27%▲ from 3.75%
  • Oct 7, 20263.75%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
48 Month Certificate 4.15% 4.22% 48 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.22% ▲ 0.52 pts · high 4.22% / low 3.70%
3.18%3.96%4.74%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.22% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.22%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
36 Month Certificate 4.10% 4.16% 36 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.16% ▲ 0.46 pts · high 4.16% / low 3.70%
3.20%3.93%4.66%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.16% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.16%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
30 Month Certificate 4.05% 4.11% 30 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.65% → 4.11% ▲ 0.46 pts · high 4.11% / low 3.65%
3.15%3.88%4.61%Oct 7, 2026: 3.65% APYOct 11, 2026: 4.11% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.11%▲ from 3.65%
  • Oct 7, 20263.65%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
18 Month Certificate 4.00% 4.06% 18 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Oct 7, 2026: 3.70% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.06%▲ from 3.70%
  • Oct 7, 20263.70%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
24 Month Certificate 4.00% 4.06% 24 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.65% → 4.06% ▲ 0.41 pts · high 4.06% / low 3.65%
3.15%3.85%4.56%Oct 7, 2026: 3.65% APYOct 11, 2026: 4.06% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.06%▲ from 3.65%
  • Oct 7, 20263.65%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
12 Month Certificate 3.95% 4.01% 12 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
1 change since Oct 7, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Oct 7, 2026: 3.80% APYOct 11, 2026: 4.01% APYOct 7, 2026Oct 14, 2026
  • Oct 11, 20264.01%▲ from 3.80%
  • Oct 7, 20263.80%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
6 Month Certificate 3.75% 3.75% 6 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
9 Month Certificate 3.75% 3.75% 9 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
21 Month Certificate 2.40% 2.42% 21 Months
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 2.42% APY · checked 2 times
1.92%2.42%2.92%Oct 7, 2026: 2.42% APYOct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
91 Day Certificate 1.25% 1.25% 91 Day
Min Deposit $1,000
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Savings Rates

Product Rate APY View More
A+ Savings 1.00% 1.00%
Min Deposit $25
Min Balance $25
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
IRA Savings 1.00% 1.00%
Min Deposit $50
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Statement Savings 1.00% 1.00%
Min Deposit $50
Min Balance $50
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Money Market Rates

Product Rate APY View More
Alumni MMDA (Money Market) 3.53% 3.56%
Min Deposit $10,000
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.56% ▲ 0.22 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 19, 2026: 3.34% APYSep 27, 2026: 3.56% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.56%▲ from 3.34%
  • Sep 19, 20263.34%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 3.28% 3.33%
Min Deposit $10,000
Min Balance $500,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.08% → 3.33% ▲ 0.25 pts · high 3.33% / low 3.08%
2.58%3.21%3.83%Sep 19, 2026: 3.08% APYSep 27, 2026: 3.33% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.33%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 2.88% 2.92%
Min Deposit $10,000
Min Balance $250,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.67% → 2.92% ▲ 0.25 pts · high 2.92% / low 2.67%
2.17%2.80%3.42%Sep 19, 2026: 2.67% APYSep 27, 2026: 2.92% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.92%▲ from 2.67%
  • Sep 19, 20262.67%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 2.73% 2.76%
Min Deposit $10,000
Min Balance $150,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.52% → 2.76% ▲ 0.24 pts · high 2.76% / low 2.52%
2.02%2.64%3.26%Sep 19, 2026: 2.52% APYSep 27, 2026: 2.76% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.76%▲ from 2.52%
  • Sep 19, 20262.52%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 2.63% 2.66%
Min Deposit $10,000
Min Balance $100,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.42% → 2.66% ▲ 0.24 pts · high 2.66% / low 2.42%
1.92%2.54%3.16%Sep 19, 2026: 2.42% APYSep 27, 2026: 2.66% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.66%▲ from 2.42%
  • Sep 19, 20262.42%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 2.13% 2.15%
Min Deposit $10,000
Min Balance $75,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.91% → 2.15% ▲ 0.24 pts · high 2.15% / low 1.91%
1.41%2.03%2.65%Sep 19, 2026: 1.91% APYSep 27, 2026: 2.15% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.15%▲ from 1.91%
  • Sep 19, 20261.91%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 2.03% 2.05%
Min Deposit $10,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.81% → 2.05% ▲ 0.24 pts · high 2.05% / low 1.81%
1.31%1.93%2.55%Sep 19, 2026: 1.81% APYSep 27, 2026: 2.05% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.05%▲ from 1.81%
  • Sep 19, 20261.81%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
MMDA (Money Market) 1.25% 1.25%
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 19, 2026: 1.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
MMDA (Money Market) 1.00% 1.00%
Min Deposit $1,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Alumni MMDA (Money Market) 0.85% 0.85%
Min Deposit $10,000
Min Balance $10,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 19, 2026: 0.85% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
MMDA (Money Market) 0.85% 0.85%
Min Deposit $1,000
Min Balance $10,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 19, 2026: 0.85% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
MMDA (Money Market) 0.50% 0.50%
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Business Money Market Rates

Product Rate APY View More
Business Alumni Money Market 3.53% 3.56%
Min Deposit $10,000
Min Balance $1,000,000
Details Balance: $1,000,000+
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.34% → 3.56% ▲ 0.22 pts · high 3.56% / low 3.34%
2.84%3.45%4.06%Sep 19, 2026: 3.34% APYSep 27, 2026: 3.56% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.56%▲ from 3.34%
  • Sep 19, 20263.34%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 3.28% 3.33%
Min Deposit $10,000
Min Balance $500,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.08% → 3.33% ▲ 0.25 pts · high 3.33% / low 3.08%
2.58%3.21%3.83%Sep 19, 2026: 3.08% APYSep 27, 2026: 3.33% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20263.33%▲ from 3.08%
  • Sep 19, 20263.08%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 2.88% 2.92%
Min Deposit $10,000
Min Balance $250,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.67% → 2.92% ▲ 0.25 pts · high 2.92% / low 2.67%
2.17%2.80%3.42%Sep 19, 2026: 2.67% APYSep 27, 2026: 2.92% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.92%▲ from 2.67%
  • Sep 19, 20262.67%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 2.73% 2.76%
Min Deposit $10,000
Min Balance $150,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.52% → 2.76% ▲ 0.24 pts · high 2.76% / low 2.52%
2.02%2.64%3.26%Sep 19, 2026: 2.52% APYSep 27, 2026: 2.76% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.76%▲ from 2.52%
  • Sep 19, 20262.52%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 2.63% 2.66%
Min Deposit $10,000
Min Balance $100,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.42% → 2.66% ▲ 0.24 pts · high 2.66% / low 2.42%
1.92%2.54%3.16%Sep 19, 2026: 2.42% APYSep 27, 2026: 2.66% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.66%▲ from 2.42%
  • Sep 19, 20262.42%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 2.13% 2.15%
Min Deposit $10,000
Min Balance $75,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.91% → 2.15% ▲ 0.24 pts · high 2.15% / low 1.91%
1.41%2.03%2.65%Sep 19, 2026: 1.91% APYSep 27, 2026: 2.15% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.15%▲ from 1.91%
  • Sep 19, 20261.91%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 2.03% 2.05%
Min Deposit $10,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
1 change since Sep 19, 2026 · 1.81% → 2.05% ▲ 0.24 pts · high 2.05% / low 1.81%
1.31%1.93%2.55%Sep 19, 2026: 1.81% APYSep 27, 2026: 2.05% APYSep 19, 2026Oct 14, 2026
  • Sep 27, 20262.05%▲ from 1.81%
  • Sep 19, 20261.81%first recorded
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Money Market 1.25% 1.25%
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 19, 2026: 1.25% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Money Market 1.00% 1.00%
Min Deposit $1,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Alumni Money Market 0.85% 0.85%
Min Deposit $10,000
Min Balance $10,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 19, 2026: 0.85% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Money Market 0.85% 0.85%
Min Deposit $1,000
Min Balance $10,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 19, 2026: 0.85% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Money Market 0.50% 0.50%
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Checking Rates

Product Rate APY View More
Platinum Checking 0.40% 0.40%
Min Deposit $5,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 19, 2026: 0.40% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Platinum Checking 0.35% 0.35%
Min Deposit $5,000
Min Balance $5,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Premier Checking 0.35% 0.35%
Min Deposit $500
Min Balance $50,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 19, 2026: 0.35% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Premier Checking 0.30% 0.30%
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 19, 2026: 0.30% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Business Checking Rates

Product Rate APY View More
Business Interest Checking 1.35% 1.35%
Min Deposit $1,000
Min Balance $100,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.35% APY · checked 6 times
0.85%1.35%1.85%Sep 19, 2026: 1.35% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Interest Checking 1.00% 1.00%
Min Deposit $1,000
Min Balance $50,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Interest Checking 0.75% 0.75%
Min Deposit $1,000
Min Balance $25,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 19, 2026: 0.75% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Business Interest Checking 0.50% 0.50%
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Mortgage Rates

Product Rate Points APR Term View More
10 Year Fixed Rate/ 10-Year Amort 6.25% - 6.419%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.42% APR · checked 2 times
5.92%6.42%6.92%Oct 7, 2026: 6.42% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
15 Year Fixed Rate/ 10-Year Amort 6.50% - 6.622%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.62% APR · checked 2 times
6.12%6.62%7.12%Oct 7, 2026: 6.62% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
20 Year Fixed Rate/ 10-Year Amort 7.00% - 7.10%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.10% APR · checked 2 times
6.60%7.10%7.60%Oct 7, 2026: 7.10% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
30 Year Fixed Rate/ 10-Year Amort 7.375% - 7.455%
No additional details.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.46% APR · checked 2 times
6.96%7.46%7.96%Oct 7, 2026: 7.46% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Auto Loan Rates

Product Rate Points APR Term View More
Auto Loan 7.00% - 7.07% 12-36 months
Details Credit Score: 700 +
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 7.07% APR · checked 6 times
6.57%7.07%7.57%Sep 19, 2026: 7.07% APRSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Auto Loan 7.75% - 7.806% 48 months
Details Credit Score: 700 +
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 7.81% APR · checked 7 times
7.31%7.81%8.31%Sep 15, 2026: 7.81% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Auto Loan 8.00% - 8.045% 63 months
Details Credit Score: 700 +
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 8.05% APR · checked 7 times
7.55%8.05%8.55%Sep 15, 2026: 8.05% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Auto Loan 8.75% - 8.826% 12-36 months
Details Credit Score: 660 - 699
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 8.83% APR · checked 6 times
8.33%8.83%9.33%Sep 19, 2026: 8.83% APRSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Auto Loan 9.31% - 9.50% 48 months
Details Credit Score: 660 - 699
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 9.50% APR · checked 7 times
9.00%9.50%10.00%Sep 15, 2026: 9.50% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Auto Loan 9.75% - 9.799% 63 months
Details Credit Score: 660 - 699
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 9.80% APR · checked 7 times
9.30%9.80%10.30%Sep 15, 2026: 9.80% APRSep 15, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%

First FSB of Mascoutah Other Rates

Product Rate Points APY/APR Term View More
10 Year Base Fixed/Balloon Rate 6.625% - 6.795%
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.80% APR · checked 2 times
6.30%6.80%7.30%Oct 7, 2026: 6.80% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
15 Year Base Fixed/Balloon Rate 6.875% - 6.998%
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 7.00% APR · checked 2 times
6.50%7.00%7.50%Oct 7, 2026: 7.00% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
6 Year Base Fixed/Balloon Rate 6.375% - 6.64%
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 6.64% APR · checked 2 times
6.14%6.64%7.14%Oct 7, 2026: 6.64% APROct 7, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
Super Now 0.15% - 0.15%
Min Deposit $1,000
Min Balance $1,000
Last Updated 10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 14, 2026
Institution Ratings
4.8
Star Rating
B+
Health Grade
◈ Texas Ratio: 17.14%
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 Mascoutah’s Texas Ratio rose from 0.04% in Q3 2023 to 17.14% 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 4.8 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.

0% 1.0★ 7% 2.0★ 13% 3.0★ 20% 4.0★ 26% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 0.04% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A Q4 2024 A+ Q1 2025 B Q2 2025 B+ Q3 2025 B+ Q4 2025 B+ Q1 2026 17.14% B+ 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$207M17.14%4.8B+
March 31, 2026$203M17.52%4.8B+
December 31, 2025$199M17.57%4.8B+
September 30, 2025$194M18.61%4.7B+
June 30, 2025$196M19.27%4.6B
March 31, 2025$192M5.71%5.0A+
December 31, 2024$193M7.14%5.0A
September 30, 2024$183M4.94%5.0A+
June 30, 2024$178M5.25%5.0A+
March 31, 2024$178M5.35%5.0A+
December 31, 2023$178M0.04%5.0A+
September 30, 2023$177M0.04%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 First FSB of Mascoutah 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 Mascoutah 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 Mascoutah's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First FSB of Mascoutah
FDIC Certificate # 30969
Address 101 W Main St, Mascoutah, IL 62258  ·  St. Clair
Website https://www.firstfederalmascoutah.com
Established 19130101
FDIC Insurance Date 19890809
Domestic Offices 3
Total Branches 3
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+
Overall Health Grade Score: 90/100
4.8
Exceptional Out of 5.0 Stars
17.14%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.8531%
Return on Equity (ROE) 8.7300%
Non-Performing Loans (NPL) 1.67%
Total Assets $207,280,000
Total Deposits $185,301,000
Equity Capital $20,217,000
Net Income $866,000
Headquarters Mascoutah
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About First FSB of Mascoutah

How many branches does First FSB of Mascoutah operate?

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

Does First FSB of Mascoutah offer online and mobile banking?

Most modern institutions like First FSB of Mascoutah 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.firstfederalmascoutah.com.

Current First FSB of Mascoutah Rates

  • 12-Month CD4.01%
  • 18-Month CD4.06%
  • 24-Month CD4.06%
  • 36-Month CD4.16%
  • 48-Month CD4.22%
  • 60-Month CD4.27%
  • Savings1.00%
  • MMA3.56%
Retrieved from our database of financial products. Rates subject to change.

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