What are the current interest rates at First National Bank in Philip?

Current rates for First National Bank in Philip include: 12-Month CD: 3.29%, 24-Month CD: 3.39%, 36-Month CD: 3.44%, 48-Month CD: 3.45%, Savings: 1.36%, MMA: 1.66%,

First National Bank in Philip Rates and Review January 2026

Content reviewed by

Brian McKay

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First National Bank in Philip Deposit Rates

First National Bank in Philip's 48-Month CD rates are at 3.45%, 36-Month CD rates are at 3.44%, 24-Month CD rates are at 3.39%, 12-Month CD rates are at 3.29%. First National Bank in Philip's savings rates are at 1.36%. First National Bank in Philip's money market rates are at 1.66%.

First National Bank in Philip

To see how these rates compare to First National Bank in Philip CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First National Bank in Philip, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First National Bank in Philip CD rates. You can also compare First National Bank in Philip savings rates, MMA rates and mortgage rates using our other rate lists.

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

First National Bank in Philip Texas Ratio

First National Bank in Philip's Texas Ratio is at 0.07%, which is considered excellent. The Texas Ratio for First National Bank in Philip is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

First National Bank in Philip has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, First National Bank in Philip is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

3.29%

2.37%

18-Month CD

N/A

2.14%

24-Month CD

3.39%

2.17%

36-Month CD

3.44%

2.11%

48-Month CD

3.45%

2.10%

60-Month CD

N/A

2.23%

Savings

1.36%

0.60%

MMA

1.66%

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

First National Bank in Philip

103 E Oak Street
Philip, SD 57567

https://www.fnbphilip.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

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Banks:
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First National Bank in Philip CD Rates and Interest Rates

First National Bank in Philip

48-Month CD

3.45%

$1,000

First National Bank in Philip

36-Month CD

3.44%

$1,000

First National Bank in Philip

24-Month CD

3.39%

$1,000

First National Bank in Philip

12-Month CD

3.29%

$1,000

First National Bank in Philip

Money Market (CMA)

1.66%

$2,500

First National Bank in Philip

Regular Savings

1.36%

$25

First National Bank in Philip

NOW Checking

1.00%

$1,500

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare First National Bank in Philip Rates with Other Competitive Bank and Credit Union Rates

Farmers Insurance Federal Credit Union

9-Month CD (No Penalty)

4.00%

$1,000

AAA Federal Savings Bank

12-Month CD

4.00%

$500

Tucumcari Federal S&L

48-Month CD

3.82%

$10,000

Rolette State Bank

18-Month CD

3.68%

$500

Enterprise Bank Allison Park, PA

12-Month CD

3.66%

$500

Citizens Savings Bank Spillville, IA

48-Month CD

3.65%

$1,000

My eBanc, a division of Bradesco Bank

12-Month CD

3.60%

$5,000

Bristol County Savings Bank

24-Month CD

3.56%

$1,000

Balboa Thrift and Loan Association

36-Month CD

3.56%

$2,000

Commerce Bank & Trust Winter Park, FL

6-Month CD

3.50%

Nebraska Bank

18-Month CD

3.40%

$500

Centinel Bank of Taos

48-Month CD

3.30%

$1,000

Rising Bank

24-Month CD

3.00%

$1,000

Brentwood Bank

60-Month CD

3.00%

$2,000

FNB of Kansas

60-Month CD

3.00%

$1,000

TriCentury Bank

12-Month CD

3.00%

$1,000

Consumers Credit Union

Free Rewards Checking

3.00%

Nebraska State Bank and Trust Company

18-Month CD

3.00%

$500

SSB of Wanamingo

18-Month CD

2.86%

$500

Mauch Chunk Trust Company

24-Month CD

2.79%

$500

Corebank

18-Month CD

2.78%

$1,000

State Bank Spirit Lake, IA

60-Month CD

2.77%

$1,000

Adams County Bank

60-Month CD

2.73%

$500

Addition Financial Credit Union

24-Month CD

2.60%

$1,000

Farmers Savings Bank Mineral Point, WI

12-Month CD

2.50%

$2,500

New Tripoli Bank

60-Month CD

2.50%

$500

First Exchange Bank

36-Month CD

2.22%

$500

First Commercial Bank, N.A.

24-Month CD

1.95%

$2,500

First Commerce Bank (NJ)

Premier Business Money Market

1.75%

$10,000

Northumberland Bank

60-Month CD

1.15%

$5,000

Community Bank of Missouri

36-Month CD

0.90%

$500

United Bank of Union

24-Month CD

0.65%

$500

First Exchange Bank

48-Month CD

0.50%

$500

Vinton County Bank

Personal Savings

0.50%

$100

Sullivan Bank

48-Month CD

0.50%

$1,000

Bank First, NA

Savings Elite

0.50%

$2,500

Community Bank Delaware

18-Month CD

0.40%

$500

CIT Bank

24-Month CD

0.40%

$1,000

Partners Bank of New England

12-Month CD

0.30%

$500

Somerset Savings Bank

24-Month CD

0.25%

$500

USB Union Savings Bank

12-Month CD

0.25%

$1,000

F&M Bank of St. Clair

Statement Savings

0.20%

$200

FSB of Cando

Premier Savings

0.20%

Miami Savings Bank

18-Month CD

0.20%

$1,000

The Dolores State Bank

Regular Savings

0.20%

$50

State Bank of Southern Utah

Savings

0.20%

Beardstown Savings

Statement Savings

0.15%

First Federal S&L of Greensburg

Statement Savings

0.10%

$10

Bank of Canton

Statement Savings

0.10%

$10

Peoples Bank Taylorsville, KY

3-Month CD

0.05%

$500

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

First National Bank in Philip

103 E Oak Street
Philip, SD 57567
Haakon
Established Date: 12/04/1906
FDIC Certificate #: 3999
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: PHILIP BCORP INC

How Many Domestic U.S. Offices? 2

How Many Branches are There? 2

Website: https://www.fnbphilip.com

Is First National Bank in Philip FDIC Insured? Yes

What is First National Bank in Philip's Cert number? 3999

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$362,066,000

Total Deposits:

$317,190,000

Equity Capital:

$40,852,000

Net Income:

$1,699,000

Return on Assets (ROA):

1.8797%

Return on Equity (ROE):

18.7100%

Headquarters:

Philip

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About First National Bank in Philip

How do I open an account at First National Bank in Philip?

You can typically open an account at First National Bank in Philip by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, First National Bank in Philip provides a range of mortgage and home equity products.

Is First National Bank in Philip a safe place to deposit money?

Yes, First National Bank in Philip is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.