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First Mutual Bank, FSB Rates & Review November 2026

Q: What are the current interest rates at First Mutual Bank, FSB?

Current rates for First Mutual Bank, FSB include: 12-Month CD: 1.15%, 18-Month CD: 1.20%, 24-Month CD: 1.25%, 36-Month CD: 1.35%, 48-Month CD: 1.45%, 60-Month CD: 1.56%, Savings: 3.50%, MMA: 3.56%

Q: What CD terms does First Mutual Bank, FSB offer?

First Mutual Bank, FSB CD rates are 1.51% APY for a 6 month CD, 1.15% APY for a 12 month CD, 1.20% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.35% APY for a 3 year CD, 1.45% APY for a 4 year CD and 1.56% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Mutual Bank, FSB for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

First Mutual Bank, FSB's 60-Month CD rates are at 1.56%, 6-Month DirectSave CD rates are at 1.51%, 48-Month CD rates are at 1.45%, 36-Month CD rates are at 1.35%, 24-Month CD rates are at 1.25%. First Mutual Bank, FSB's savings rates are at 3.50%. First Mutual Bank, FSB's money market rates are at 3.56%. First Mutual Bank, FSB's checking rates are as high as 0.10%. First Mutual Bank, FSB's Personal Loan Rates are as low as 9.46%. First Mutual Bank, FSB's top CD rate of 4.25% APY on a 25 month CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Mutual Bank, FSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.45%. Rates last updated and verified on 11/06/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.45%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

First Mutual Bank, FSB

605 Washington Blvd
Belpre, OH 45714

https://firstmutual.bank/

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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 Mutual Bank, FSB CD Rates

Product	Rate	APY	Term	Min. Deposit
25-Month CD Special	4.18%	4.25%	25 months	-
Min Balance $500 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 4.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
13-Month CD Special	3.94%	4.00%	13 months	-
Min Balance $1,000 Details Open Online Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Oct 22, 20264.00%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
7-Month CD Special	3.70%	3.75%	7 months	-
Min Balance $1,000 Details Open Online Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 22, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
60-Month CD	1.55%	1.56%	60 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
6-Month DirectSave CD	1.50%	1.51%	6 months	-
Min Balance $250 Details Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal. Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
48-Month CD	1.45%	1.45%	48 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.45% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
36-Month CD	1.35%	1.35%	36 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
24-Month CD	1.25%	1.25%	24 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
18-Month CD	1.20%	1.20%	18 months	-
Min Balance $500 Details Renewal term is 18 months; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
12-Month CD	1.15%	1.15%	12 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
27-Month Jump Rate CD	1.00%	1.00%	27 months	$500
Min Deposit $500 Details One-time jump to a higher rate after 6 months if current rate is higher; renews for 24 months at maturity; $500 minimum deposit to open Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
6-Month CD	1.00%	1.00%	6 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
9-Month CD	1.00%	1.00%	9 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
3-Month CD	0.75%	0.75%	3 months	-
Min Balance $500 Details Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Savings Rates

Product	Rate	APY
Uplift Savings	3.50%	3.50%
Min Deposit $50 Min Balance $500,000 Details Balance: $500,000 or more Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Uplift Savings	3.35%	3.35%
Min Deposit $50 Min Balance $250,000 Details Balance: $250,000 - $500,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Uplift Savings	3.15%	3.15%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 to 250,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Uplift Savings	3.00%	3.04%
Min Balance $50 Details Open Account: Open Online Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 3.04% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Health Savings Account	0.45%	0.45%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000 or more; Setup fee $10; No monthly fee Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Health Savings Account	0.35%	0.35%
Min Deposit $50 Min Balance $2,500 Details Balance: $2,500 - $4,999.99; Setup fee $10; No monthly fee Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Uplift Savings	0.35%	0.35%
Min Deposit $50 Min Balance $0 Details Balance: under $50,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Uplift Savings	0.35%	0.35%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 to $100,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Health Savings Account	0.20%	0.20%
Min Deposit $50 Min Balance $0 Details Balance: under $2,500; Setup fee $10; No monthly fee Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Statement Savings	0.15%	0.15%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 or more; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $9,000 Details Balance: $9,000 - $24,999.99; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Christmas Club	0.05%	0.05%
Min Deposit $10 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: under $9,000.00; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Money Market Rates

Product	Rate	APY
Thrive Money Market	3.50%	3.56%
Min Balance $500,000 Details Balance: $500,000 or more; Minimum Balance column: $25,000; Open Account: not listed Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Thrive Money Market	3.35%	3.40%
Min Balance $250,000 Details Balance: $250,000 - $500,000; Minimum Balance column: $25,000; Open Account: not listed Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Thrive Money Market	3.15%	3.20%
Min Balance $100,000 Details Balance: $100,000 to 250,000; Minimum Balance column: $25,000; Open Account: not listed Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Select Money Market	0.30%	0.30%
Min Deposit $10,000 Min Balance $100,000 Details Balance: Balances of $100,000 or more; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Select Money Market	0.25%	0.25%
Min Deposit $10,000 Min Balance $50,000 Details Balance: Balances of $50,000 - $99,999; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Thrive Money Market Account	0.25%	0.25%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Interest is compounded and paid monthly; Visit a Branch to Open Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Select Money Market	0.20%	0.20%
Min Deposit $10,000 Min Balance $10,000 Details Balance: Balances of $10,000 - $49,999.99; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Thrive Money Market Account	0.20%	0.20%
Min Deposit $25,000 Min Balance $0 Details Balance: $0 - $49,999.99; Interest is compounded and paid monthly; Visit a Branch to Open Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Select Money Market	0.15%	0.15%
Min Deposit $10,000 Min Balance $0 Details Balance: Balances under $10,000; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Checking Rates

Product	Rate	APY
Preferred Interest Checking	0.10%	0.10%
Min Deposit $50 Min Balance $1,500 Details Balance: Balances $1,500 or more; Open Online Last Updated 11/06/2026 Rate History 1 change since Sep 14, 2026 · 0.07% → 0.10% ▲ 0.03 pts · high 0.10% / low 0.07% Sep 24, 20260.10%▲ from 0.07% Sep 14, 20260.07%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Advantage 50 Interest Checking	0.07%	0.07%
Min Deposit $50 Details For customers 50 and over Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Direct Interest Checking	0.07%	0.07%
Min Deposit $50 Details Qualifications Required; If you use either direct deposit or auto pay, you qualify for an interest-earning account; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Preferred Interest Checking	0.07%	0.07%
Min Deposit $50 Min Balance $1,500 Details Balance: Balances under $1,500; Open Online Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 0.07% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (HELOC)	6.75%	-	6.75%
Details Margin: Prime + 1%; APR is locked for the 24-month introductory period, then variable based on WSJ Prime plus 1.00% margin; maximum APR 21%; 120-month draw period; loan subject to credit underwriting Last Updated 11/06/2026 Rate History 1 change since Sep 24, 2026 · 4.99% → 6.75% ▲ 1.76 pts · high 6.75% / low 4.99% Oct 12, 20266.75%▲ from 4.99% Sep 24, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Auto Loan Rates

Product	Rate	Points	APR	Term
Auto and Motorcycle Loan - NEW (2027-2025)	6.00%	-	6.304%	Up to 84 months
Details Model Year: NEW (2027-2025); Minimum loan amount: $30,000; Max Months: 84; APR based on minimum loan amount with 0% down payment and $300 loan processing fee; New = never titled; minimum FICO 680; subject to credit and underwriting approval Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 6.30% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Auto and Motorcycle Loan - 2025, 2024, 2023	6.15%	-	6.454%	Up to 84 months
Details Model Year: 2025, 2024, 2023; Minimum loan amount: $30,000; Max Months: 84; APR based on minimum loan amount with 0% down payment and $300 loan processing fee; minimum FICO 680; subject to credit and underwriting approval Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 6.45% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Auto and Motorcycle Loan - 2022, 2021	6.50%	-	8.583%	Up to 72 months
Details Model Year: 2022, 2021; Minimum loan amount: $5,000; Max Months: 72; APR based on minimum loan amount with 0% down payment and $300 loan processing fee; minimum FICO 680; subject to credit and underwriting approval Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 8.58% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Auto and Motorcycle Loan - 2020 - 2016	6.75%	-	9.221%	Up to 60 months
Details Model Year: 2020 - 2016; Minimum loan amount: $5,000; Max Months: 60; APR based on minimum loan amount with 0% down payment and $300 loan processing fee; minimum FICO 680; subject to credit and underwriting approval Last Updated 11/06/2026 Rate History No change since Oct 14, 2026 · 9.22% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Campers and Side-by-Side Loan	7.00%	11.86%	60 months
Details Model Year: NEW (2026-2025); Minimum Loan Amount: $2,500; Minimum FICO 720; APR based on $2,500 loan with 0% down payment and $300 loan processing fee; New campers and side-by-sides are never titled; As of 10/08/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 11.86% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Campers and Side-by-Side Loan	7.55%	12.438%	60 months
Details Model Year: 2025, 2024, 2023; Minimum Loan Amount: $2,500; Minimum FICO 720; APR based on $2,500 loan with 0% down payment and $300 loan processing fee; New campers and side-by-sides are never titled; As of 10/08/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 12.44% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Campers and Side-by-Side Loan	7.75%	12.652%	60 months
Details Model Year: 2022 & 2021; Minimum Loan Amount: $2,500; Minimum FICO 720; APR based on $2,500 loan with 0% down payment and $300 loan processing fee; New campers and side-by-sides are never titled; As of 10/08/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 12.65% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Campers and Side-by-Side Loan	7.99%	12.911%	60 months
Details Model Year: 2020; Minimum Loan Amount: $2,500; Minimum FICO 720; APR based on $2,500 loan with 0% down payment and $300 loan processing fee; New campers and side-by-sides are never titled; As of 10/08/2026 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 12.91% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Personal Loan Rates

Product	APR	Term
Personal Loan - 24 Months	9.46%	24 months
Details Min Loan: $2,500; Max Loan: $15,000; Payments: $688.44; The APR is based on a $15,000.00 loan; 680 FICO, maximum DTI 35%, loan processing fee $100 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 9.46% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Personal Loan - 36 Months	10.45%	36 months
Details Min Loan: $2,500; Max Loan: $15,000; Payments: $487.18; The APR is based on a $15,000.00 loan; 680 FICO, maximum DTI 35%, loan processing fee $100 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 10.45% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Personal Loan - 48 Months	10.847%	48 months
Details Min Loan: $5,000; Max Loan: $15,000; Payments: $386.57; The APR is based on a $15,000.00 loan; 680 FICO, maximum DTI 35%, loan processing fee $100 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 10.85% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Personal Loan - 60 Months	11.038%	60 months
Details Min Loan: $7,500; Max Loan: $15,000; Payments: $326.42; The APR is based on a $15,000.00 loan; 680 FICO, maximum DTI 35%, loan processing fee $100 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 11.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

First Mutual Bank, FSB Other Rates

Product	Rate	Points	APY/APR	Term
Vacant Land Loan	9.40%	-	11.564%	120 months
Details Term: 10 years; APR based on $15,000.00 loan amount with 20% down payment and a 680 FICO; taxes escrowed but not included in payment Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 11.56% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
Certificates of Deposit Jump Rate	1.00%	-	1.00%
Min Deposit $500 Last Updated 11/06/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%
DirectSave	1.50%	-	1.51%
Min Balance $250 Details Balance: $250 minimum; Compounded & credited monthly. Must set up ACH transfer of at least $25 per month from a checking account or outside savings account at account opening. Automatic renewal. 7 day grace period. Penalty for early withdrawal. Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 1.51% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.45%

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 Mutual Bank, FSB’s Texas Ratio fell from 8.08% in Q3 2023 to 3.45% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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	$110M	3.45%	5.0	A+
March 31, 2026	$110M	5.76%	5.0	A+
December 31, 2025	$112M	5.83%	5.0	A+
September 30, 2025	$110M	3.23%	5.0	A+
June 30, 2025	$110M	3.46%	5.0	A+
March 31, 2025	$111M	5.14%	5.0	A+
December 31, 2024	$112M	3.19%	5.0	A+
September 30, 2024	$113M	4.10%	5.0	A+
June 30, 2024	$139M	5.59%	4.5	A-
March 31, 2024	$140M	4.13%	4.5	A
December 31, 2023	$117M	4.26%	5.0	A+
September 30, 2023	$112M	8.08%	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 Mutual Bank, FSB 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 Mutual Bank, FSB 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 Mutual Bank, FSB's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First Mutual Bank, FSB

Website https://firstmutual.bank/

Address 605 Washington Blvd, Belpre, OH 45714 · Washington

Bank Holding Company FIRST MUTUAL HOLDING CO

FDIC Certificate # 29617

Regulator OCC

Established January 1, 1906

FDIC Insurance Date August 9, 1989

Domestic Offices 4

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.45%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.2939%

Return on Equity (ROE)

3.0400%

Non-Performing Loans Ratio (NPL)

0.34%

Total Assets

$109,885,000

Total Deposits

$90,622,000

Equity Capital

$10,782,000

Net Income

$163,000

Headquarters

Belpre

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

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Frequently Asked Questions About First Mutual Bank, FSB

Does First Mutual Bank, FSB offer CDs?

Yes. First Mutual Bank, FSB current CD rates include its 60-Month CD at 1.56% APY, its 6-Month DirectSave CD at 1.51% APY and its 48-Month CD at 1.45% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from First Mutual Bank, FSB FDIC insured?

Yes. First Mutual Bank, FSB is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Mutual Bank, FSB?

The highest First Mutual Bank, FSB CD rate is its 25-Month CD Special at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does First Mutual Bank, FSB offer?

First Mutual Bank, FSB CD rates are 1.51% APY for a 6 month CD, 1.15% APY for a 12 month CD, 1.20% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.35% APY for a 3 year CD, 1.45% APY for a 4 year CD and 1.56% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with First Mutual Bank, FSB for its full lineup.

What is the highest savings rate at First Mutual Bank, FSB?

The highest First Mutual Bank, FSB savings rate is its Uplift Savings at 3.50% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at First Mutual Bank, FSB?

The highest First Mutual Bank, FSB money market rate is its Thrive Money Market at 3.56% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at First Mutual Bank, FSB?

The highest First Mutual Bank, FSB checking rate is its Preferred Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 6, 2026.

What is the lowest auto loan rate at First Mutual Bank, FSB?

The lowest First Mutual Bank, FSB auto loan rate is its Auto and Motorcycle Loan - NEW (2027-2025) at 6.00%, verified by MonitorBankRates as of November 6, 2026.

What is the lowest personal loan rate at First Mutual Bank, FSB?

The lowest First Mutual Bank, FSB personal loan rate is its Personal Loan - 24 Months at 8.80%, verified by MonitorBankRates as of November 6, 2026. First Mutual Bank, FSB personal loan rates are 8.80% for a 24 month personal loan, 9.99% for a 36 month personal loan, 10.49% for a 48 month personal loan and 10.75% for a 60 month personal loan.

How many branches does First Mutual Bank, FSB operate?

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

Does First Mutual Bank, FSB offer online and mobile banking?

Most modern institutions like First Mutual Bank, FSB 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://firstmutual.bank/.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Mutual Bank, FSB rates compare?

First Mutual Bank, FSB's top CD rate of 4.25% APY on a 25 month CD is 45% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. First Mutual Bank, FSB's top rates are its 25-Months 25-Month CD Special at 4.25% APY, its Uplift Savings at 3.50% APY, its Thrive Money Market at 3.56% APY, its Preferred Interest Checking at 0.10% APY and its Personal Loan - 24 Months at 9.46% APR, verified by MonitorBankRates on November 6, 2026.

Current First Mutual Bank, FSB Rates

12-Month CD1.15%
18-Month CD1.20%
24-Month CD1.25%
36-Month CD1.35%
48-Month CD1.45%
60-Month CD1.56%
Savings3.50%
MMA3.56%

Retrieved from our database of financial products. Rates subject to change.

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First Mutual Bank, FSB Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Mutual Bank, FSB Texas Ratio

First Mutual Bank, FSB Health Trend

First Mutual Bank, FSB CD Rates

First Mutual Bank, FSB Savings Rates

First Mutual Bank, FSB Money Market Rates

First Mutual Bank, FSB Checking Rates

First Mutual Bank, FSB Home Equity & HELOC

First Mutual Bank, FSB Auto Loan Rates

First Mutual Bank, FSB RV, Boat and Powersport Loan Rates

First Mutual Bank, FSB Personal Loan Rates

First Mutual Bank, FSB Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Mutual Bank, FSB earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Mutual Bank, FSB

Does First Mutual Bank, FSB offer CDs?

Are CDs from First Mutual Bank, FSB FDIC insured?

What is the highest CD rate at First Mutual Bank, FSB?

What CD terms does First Mutual Bank, FSB offer?

What is the highest savings rate at First Mutual Bank, FSB?

What is the highest money market rate at First Mutual Bank, FSB?

What is the highest checking rate at First Mutual Bank, FSB?

What is the lowest auto loan rate at First Mutual Bank, FSB?

What is the lowest personal loan rate at First Mutual Bank, FSB?

How many branches does First Mutual Bank, FSB operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Mutual Bank, FSB offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Mutual Bank, FSB rates compare?

Current First Mutual Bank, FSB Rates

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