What are the current interest rates at FNB Of Nokomis?

Current rates for FNB Of Nokomis include: 12-Month CD: 1.71%, 18-Month CD: 2.01%, 24-Month CD: 2.11%, 36-Month CD: 2.52%, 48-Month CD: 2.67%, Savings: 0.20%, MMA: 0.50%

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FNB Of Nokomis

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FNB Of Nokomis Rates & Review September 2026

Q: How many branches does FNB Of Nokomis operate?

FNB Of Nokomis currently maintains approximately 4 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, FNB Of Nokomis 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, FNB Of Nokomis 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 20, 2026

FNB Of Nokomis's 5-Month CD Special rates are at 4.05%, 9-Months 9-Month CD Special rates are at 3.21%, 48-Month CD rates are at 2.67%, 36-Month CD rates are at 2.52%, 30-Month CD rates are at 2.27%. FNB Of Nokomis's savings rates are at 0.20%. FNB Of Nokomis's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of FNB Of Nokomis with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.78%. Rates last updated and verified on 09/20/2026.

FNB Of Nokomis 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 FNB Of Nokomis? Share your experience about FNB Of Nokomis by leaving a review below, or read customer reviews before you decide to use FNB Of Nokomis.

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

4.78%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FNB Of Nokomis

122 W State St
Nokomis, IL 62075

https://www.fnbnokomis.com

FNB Of Nokomis CD Rates

Product	Rate	APY	Term
5 Month CD Special	4.00%	4.05%	5 Month
Min Deposit $50,000 Min Balance $50,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
9 Month CD Special	3.20%	3.21%	9 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
48 Month CD	2.65%	2.67%	48 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
36 Month CD	2.50%	2.52%	36 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
30 Month CD	2.25%	2.27%	30 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
24 Month CD	2.10%	2.11%	24 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
18 Month CD	2.00%	2.01%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
12 Month CD	1.70%	1.71%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
182 Day CD	1.70%	1.71%	182 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
91 Day CD	1.70%	1.71%	91 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

FNB Of Nokomis Savings Rates

Product	Rate	APY
Health Savings NOW	0.25%	0.25%
Min Deposit $100 Min Balance $1 Details Balance: $1.00-$2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Health Savings NOW	0.25%	0.25%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Health Savings NOW	0.25%	0.25%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Christmas Clubs	0.22%	0.22%
Min Deposit $1 Min Balance $1 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Savings	0.20%	0.20%
Min Deposit $1 Min Balance $1 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

FNB Of Nokomis Money Market Rates

Product	Rate	APY
MMA	1.20%	1.20%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
MMA	0.95%	0.95%
Min Deposit $2,500 Min Balance $300,000 Details Balance: $300,000-$499,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
MMA	0.50%	0.50%
Min Deposit $2,500 Min Balance $1 Details Balance: $1.00-$24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
MMA	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000-$49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
MMA	0.50%	0.50%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000-$99,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
MMA	0.50%	0.50%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000-$299,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

FNB Of Nokomis Checking Rates

Product	Rate	APY
Rewards Checking	3.00%	3.05%
Min Deposit $1 Min Balance $1 Details Balance: $1.00 - 25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Rewards Checking	3.00%	3.05%
Min Balance $25,000 Details Qualifications Required: One Direct Deposit or ACH Debit or Credit per qualification cycle; Receive monthly statement electronically; 12 Debit Card POS purchases post and settle per statement cycle; APY: Ranges from 3.05% to 0.15% on balance $25,000+; ATM fee refunds up to $15 per statement cycle Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
NOW Checking	0.27%	0.27%
Min Balance $50,000 Details Daily Balances of: $50,000 and up Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%
Rewards Checking	0.15%	0.15%
Details Non-qualifying; Any Amount Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

FNB Of Nokomis Other Rates

Product	Rate	Points	APY/APR	Term	View More
IRA	2.65%	-	2.67%
Min Deposit $100 Min Balance $100 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.78%

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

FNB Of Nokomis’s Texas Ratio fell from 8.75% in Q3 2023 to 4.78% 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	$182M	4.78%	5.0	A+
March 31, 2026	$183M	6.15%	5.0	A
December 31, 2025	$178M	6.53%	5.0	A
September 30, 2025	$175M	2.53%	5.0	A+
June 30, 2025	$178M	2.52%	5.0	A+
March 31, 2025	$183M	1.59%	5.0	A+
December 31, 2024	$178M	1.14%	5.0	A+
September 30, 2024	$182M	0.69%	5.0	A+
June 30, 2024	$180M	0.91%	5.0	A+
March 31, 2024	$174M	1.82%	5.0	A+
December 31, 2023	$179M	8.25%	5.0	A
September 30, 2023	$179M	8.75%	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 FNB Of Nokomis 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 FNB Of Nokomis 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 FNB Of Nokomis's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB Of Nokomis

Bank Holding Company FIRST NOKOMIS BCORP INC

Address 122 W State St, Nokomis, IL 62075 · Montgomery

Website https://www.fnbnokomis.com

FDIC Certificate # 15763

Established 19400903

FDIC Insurance Date 19400903

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.78%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3303%

Return on Equity (ROE) 12.8700%

Non-Performing Loans (NPL) 0.50%

Total Assets $181,879,000

Total Deposits $160,597,000

Equity Capital $19,062,000

Net Income $1,202,000

Headquarters Nokomis

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

FNB Of Nokomis earned the Verified Healthy badge

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Frequently Asked Questions About FNB Of Nokomis

How many branches does FNB Of Nokomis operate?

FNB Of Nokomis currently maintains approximately 4 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, FNB Of Nokomis 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, FNB Of Nokomis provides members with tools to manage their accounts and build a solid financial history.

Does FNB Of Nokomis offer online and mobile banking?

Most modern institutions like FNB Of Nokomis 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.fnbnokomis.com.