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First National Bank in Ord Rates & Review October 2026
Content reviewed by
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.
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 National Bank in Ord's top rates as of October 11, 2026 are 4.16% APY on its 15-Month Feature CD, 0.75% APY on savings, and 2.68% APY on money market accounts, according to rates verified by MonitorBankRates. Other First National Bank in Ord CD rates include 15-Month Feature CD at 4.11%, 15-Month Feature CD at 4.06%, and 3-Months 3-Month CD at 3.91%. MonitorBankRates evaluates the financial stability of First National Bank in Ord with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.
First National Bank in Ord 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 National Bank in Ord? Share your experience about First National Bank in Ord by leaving a review below, or read customer reviews before you decide to use First National Bank in Ord.
First National Bank in Ord has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First National Bank in Ord has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.00%
PerfectLower than avg
First National Bank in Ord Texas Ratio
First National Bank in Ord's Texas Ratio is 0.00%, which is considered perfect and is lower than the national average of 5.85%.
A 0.00% ratio is the best possible score. First National Bank in Ord currently has zero non-performing assets or foreclosed properties on its books.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
3.31% to 0.00% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 National Bank in Ord CD Rates
Product
Rate
APY
Term
View More
15 Month Feature CD
4.10%
4.16%
15 Month
Min Balance$100,000
DetailsDaily Balance: $100,000.00 and up
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.96% → 4.16% ▲ 0.20 pts · high 4.16% / low 3.96%
Oct 3, 20264.16%▲ from 3.96%
Sep 24, 20263.96%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15 Month Feature CD
4.05%
4.11%
15 Month
Min Balance$25,000
DetailsDaily Balance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.91% → 4.11% ▲ 0.20 pts · high 4.11% / low 3.91%
Oct 3, 20264.11%▲ from 3.91%
Sep 24, 20263.91%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
15 Month Feature CD
4.00%
4.06%
15 Month
Min Balance$500
DetailsDaily Balance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 3.85% → 4.06% ▲ 0.21 pts · high 4.06% / low 3.85%
Oct 3, 20264.06%▲ from 3.85%
Sep 24, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3 Month CD
3.85%
3.91%
3 months
Min Balance$100,000
DetailsBalance: $100,000.00 and up
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.85% → 3.91% ▲ 0.06 pts · high 3.91% / low 3.85%
Oct 3, 20263.91%▲ from 3.85%
Sep 19, 20263.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3 Month CD
3.80%
3.85%
3 months
Min Balance$25,000
DetailsBalance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
Oct 3, 20263.85%▲ from 3.80%
Sep 19, 20263.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
3 Month CD
3.75%
3.80%
3 months
Min Balance$500
DetailsBalance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
Oct 3, 20263.80%▲ from 3.75%
Sep 19, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month CD
3.00%
3.03%
18 Month
Min Balance$100,000
DetailsBalance: $100,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.03% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month CD
2.85%
2.88%
48 months
Min Balance$100,000
DetailsDaily Balance: $100,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.88% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month CD
2.75%
2.78%
12 months
Min Balance$100,000
DetailsDaily Balance: $100,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.78% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month CD
2.75%
2.78%
18 Month
Min Balance$25,000
DetailsBalance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.78% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month CD
2.75%
2.78%
48 months
Min Balance$25,000
DetailsDaily Balance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.78% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Step-Up CD
2.50%
2.52%
30 Month
Min Balance$100,000
DetailsDaily Balance: $100,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
48 Month CD
2.50%
2.52%
48 months
Min Balance$500
DetailsDaily Balance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month CD
2.50%
2.52%
6 months
Min Balance$100,000
DetailsBalance: $100,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.52% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month CD
2.40%
2.42%
12 months
Min Balance$25,000
DetailsDaily Balance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.42% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
18 Month CD
2.25%
2.27%
18 Month
Min Balance$500
DetailsBalance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Step-Up CD
2.25%
2.27%
30 Month
Min Balance$25,000
DetailsDaily Balance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month CD
2.25%
2.27%
6 months
Min Balance$25,000
DetailsBalance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.27% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
12 Month CD
2.10%
2.12%
12 months
Min Balance$500
DetailsDaily Balance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.12% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
30 Month Step-Up CD
2.00%
2.01%
30 Month
Min Balance$500
DetailsDaily Balance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.01% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
6 Month CD
2.00%
2.01%
6 months
Min Balance$500
DetailsBalance: $500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First National Bank in Ord Savings Rates
Product
Rate
APY
View More
Kid's Club Savings
0.75%
0.75%
Min Balance$25,000
DetailsBalance: $25,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Savings Account
0.75%
0.75%
Min Balance$25,000
DetailsBalance: $25,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Kid's Club Savings
0.55%
0.55%
Min Balance$2,500
DetailsBalance: $2,500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.55% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Savings Account
0.55%
0.55%
Min Balance$2,500
DetailsBalance: $2,500.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.55% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Kid's Club Savings
0.50%
0.50%
Min Balance$0
DetailsBalance: Up to $2,499.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Savings Account
0.50%
0.50%
Min Balance$0
DetailsBalance: Up to $2,499.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Postage Saver SuperNOW
0.45%
0.45%
Min Balance$25,000
DetailsBalance: $25,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.45% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Postage Saver SuperNOW
0.40%
0.40%
Min Balance$0
DetailsBalance: Up to $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Health Savings Account
0.25%
0.25%
Min Balance$5,000
DetailsBalance: $5,000.00-9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Health Savings Account
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Health Savings Account
0.15%
0.15%
Min Balance$0
DetailsBalance: Up to $999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Health Savings Account
0.15%
0.15%
Min Balance$1,000
DetailsBalance: $1,000.00-4,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First National Bank in Ord Money Market Rates
Product
Rate
APY
View More
Money Market Account
2.65%
2.68%
Min Balance$1,000,000
DetailsBalance: $1,000,000 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.68% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Account
2.00%
2.02%
Min Balance$100,000
DetailsBalance: $100,000.00-999,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Account
1.25%
1.26%
Min Balance$25,000
DetailsBalance: $25,000.00-99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Account
1.00%
1.00%
Min Balance$10,000
DetailsBalance: $10,000.00-24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Money Market Account
0.75%
0.75%
Min Balance$0
DetailsBalance: Up to $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First National Bank in Ord Other Rates
Product
Rate
Points
APY/APR
Term
View More
Add-On CD
2.10%
-
2.12%
DetailsDaily Balance:
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 2.12% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First Advantage
0.45%
-
0.45%
Min Balance$0
DetailsBalance: Up to $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
First Advantage
0.50%
-
0.50%
Min Balance$25,000
DetailsBalance: $25,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
IRA
1.45%
-
1.46%
DetailsDaily Balance
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.46% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
SuperNOW
0.40%
-
0.40%
Min Balance$0
DetailsDaily Balance: Up to $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
SuperNOW
0.45%
-
0.45%
Min Balance$25,000
DetailsDaily Balance: $25,000.00 and up
Last Updated10/11/2026
Rate History
No change since Sep 7, 2026 · 0.45% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.00%
Financial Health History
First National Bank in Ord’s Texas Ratio fell from 3.31% in Q3 2023 to 0.00% 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. 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
$166M
0.00%
5.0
A+
March 31, 2026
$165M
1.39%
5.0
A+
December 31, 2025
$160M
0.34%
5.0
A+
September 30, 2025
$157M
0.00%
5.0
A+
June 30, 2025
$157M
0.00%
5.0
A+
March 31, 2025
$160M
0.00%
5.0
A+
December 31, 2024
$155M
0.14%
5.0
A+
September 30, 2024
$148M
0.00%
5.0
A+
June 30, 2024
$150M
0.00%
5.0
A+
March 31, 2024
$152M
3.16%
5.0
A+
December 31, 2023
$152M
3.35%
5.0
A+
September 30, 2023
$145M
3.31%
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 National Bank in Ord 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 National Bank in Ord 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 National Bank in Ord's official website for the most current offers and terms.
First National Bank in Ord 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.
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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About First National Bank in Ord
How many branches does First National Bank in Ord operate?
First National Bank in Ord 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 National Bank in Ord 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 National Bank in Ord provides members with tools to manage their accounts and build a solid financial history.
Does First National Bank in Ord offer online and mobile banking?
Most modern institutions like First National Bank in Ord 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.fnbord.com.
Current First National Bank in Ord Rates
12-Month CD2.12%
18-Month CD2.27%
48-Month CD2.52%
Savings0.75%
MMA2.68%
Retrieved from our database of financial products. Rates subject to change.