What are the current interest rates at First Jackson Bank?

Current rates for First Jackson Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.75%, 24-Month CD: 2.90%, 36-Month CD: 3.10%, 60-Month CD: 3.50%, Savings: 0.20%, MMA: 0.35%

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First Jackson Bank

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First Jackson Bank Rates & Review September 2026

Q: How many branches does First Jackson Bank operate?

First Jackson Bank currently maintains approximately 7 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, First Jackson 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, First Jackson 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 19, 2026

First Jackson Bank's 9 Mo. 9-Month Certificate of Deposit - Special rates are at 4.10%, 91 Days 91 Day Certificate of Deposit rates are at 4.00%, 12 Mo. 12-Month Certificate of Deposit rates are at 3.75%, 12 Mo. 12-Month IRA rates are at 3.75%, 18 Mo. 18-Month Certificate of Deposit rates are at 3.75%. First Jackson Bank's savings rates are at 0.20%. First Jackson Bank's money market rates are at 0.35%. MonitorBankRates evaluates the financial stability of First Jackson Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.03%. Rates last updated and verified on 09/19/2026.

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

Ranked #79 Healthiest 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

1.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Jackson Bank, Inc.

43243 Us Highway 72
Stevenson, AL 35772

https://www.firstjacksonbank.com

First Jackson Bank CD Rates

Product	Rate	APY	Term
9 Month Certificate of Deposit - Special	4.10%	4.10%	9 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
91 Day Certificate of Deposit	4.00%	4.00%	91 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
12 Month Certificate of Deposit	3.75%	3.75%	12 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
12 Month IRA	3.75%	3.75%	12 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
18 Month Certificate of Deposit	3.75%	3.75%	18 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
182 Day Certificate of Deposit	3.75%	3.75%	182 Days
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
60 Month Certificate of Deposit	3.50%	3.50%	60 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
60 Month IRA	3.50%	3.50%	60 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
36 Month Certificate of Deposit	3.10%	3.10%	36 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
36 Month IRA	3.10%	3.10%	36 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
24 Month Certificate of Deposit	2.90%	2.90%	24 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
24 Month IRA	2.90%	2.90%	24 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
30 Month Certificate of Deposit	2.90%	2.90%	30 Mo.
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

First Jackson Bank Savings Rates

Product	Rate	APY	View More
Regular Savings Account	0.20%	0.20%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

First Jackson Bank Money Market Rates

Product	Rate	APY
Money Market Tiered	0.60%	0.60%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
Money Market Account	0.35%	0.35%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

First Jackson Bank Checking Rates

Product	Rate	APY
SUPER NOW Checking Account	0.15%	0.15%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%
NOW Checking Account	0.10%	0.10%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.03%

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.

Financial Health History

First Jackson Bank’s Texas Ratio rose from 0.12% in Q3 2023 to 1.03% 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	$444M	1.03%	5.0	A+
March 31, 2026	$440M	2.14%	5.0	A+
December 31, 2025	$449M	2.12%	5.0	A+
September 30, 2025	$438M	2.20%	5.0	A+
June 30, 2025	$433M	0.77%	5.0	A+
March 31, 2025	$433M	3.52%	5.0	A+
December 31, 2024	$429M	0.85%	5.0	A+
September 30, 2024	$419M	3.65%	5.0	A+
June 30, 2024	$417M	0.41%	5.0	A+
March 31, 2024	$416M	1.25%	5.0	A+
December 31, 2023	$411M	0.29%	5.0	A+
September 30, 2023	$405M	0.12%	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 Jackson 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 First Jackson 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 First Jackson Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Jackson Bank

Bank Holding Company 1ST JACKSON BANCSHARES INC

Address 43243 Us Highway 72, Stevenson, AL 35772 · Jackson

Website https://www.firstjacksonbank.com

FDIC Certificate # 23376

Established 19810410

FDIC Insurance Date 19810410

Domestic Offices 7

Total Branches 7

Regulator FDIC

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

1.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9254%

Return on Equity (ROE) 13.9400%

Non-Performing Loans (NPL) 0.06%

Total Assets $444,259,000

Total Deposits $359,240,000

Equity Capital $63,216,000

Net Income $4,278,000

Headquarters Stevenson

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Jackson Bank earned the Top 100 Healthiest 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/first-jackson-bank-rates-review-23376">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
       alt="Ranked #79 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks 2026 ranking.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Jackson Bank

How many branches does First Jackson Bank operate?

First Jackson Bank currently maintains approximately 7 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 Jackson 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, First Jackson Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Jackson Bank offer online and mobile banking?

Most modern institutions like First Jackson 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.firstjacksonbank.com.