First National Bank of Shiner CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

Today's 12-month CD rates can be found at 4.00%, 6-month CD rates at 3.40% and 3-month CD rates at 0.25%. Current savings rates are at 0.20% and money market rates are at 1.00%. Mortgage rates today on 30-year fixed loans are around 7.00%. Credit Card rates are at 9.90%. Personal Loan rates are at 16.24%. All these rates, and more, can be found in our database of rates. First National Bank of Shiner's 12-Month CD rates are at 3.50%, 18-Month CD rates are at 3.00%, 24-Month CD rates are at 2.50%, 60-Month CD rates are at 2.25%, 48-Month CD rates are at 2.25%. First National Bank of Shiner's savings rates are at 0.43%. First National Bank of Shiner's money market rates are at 0.40%.

First National Bank of Shiner

To see how these rates compare to First National Bank of Shiner CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First National Bank of Shiner, 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 of Shiner CD rates. You can also compare First National Bank of Shiner savings rates, MMA rates and mortgage rates using our other rate lists.

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

First National Bank of Shiner Texas Ratio

First National Bank of Shiner's Texas Ratio is at -0.07%, which is considered excellent. The Texas Ratio for First National Bank of Shiner 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.

Overall, First National Bank of Shiner is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

3.50%

2.54%

18-Month CD

3.00%

2.27%

24-Month CD

2.50%

2.27%

36-Month CD

2.25%

2.20%

48-Month CD

2.25%

2.14%

60-Month CD

2.25%

2.26%

Savings

0.43%

0.65%

MMA

0.40%

1.01%

30-Year Fixed

N/A

6.71%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

First National Bank of Shiner

103 W 7th St
Shiner, TX 77984

https://www.fnbshiner.com

MonitorBankRates' Rating

5/5

★★★★★

Review First National Bank of Shiner

First National Bank of Shiner CD Rates and Interest Rates

First National Bank of Shiner

12-Month CD

3.50%

$1,000

First National Bank of Shiner

18-Month CD

3.00%

$1,000

First National Bank of Shiner

24-Month CD

2.50%

$1,000

First National Bank of Shiner

36-Month CD

2.25%

$1,000

First National Bank of Shiner

48-Month CD

2.25%

$1,000

First National Bank of Shiner

60-Month CD

2.25%

$1,000

First National Bank of Shiner

Savings

0.43%

$100

First National Bank of Shiner

Money Market

0.40%

$250,000

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 of Shiner Rates with Other Competitive Bank and Credit Union Rates

Total Direct Bank

12-Month CD

4.41%

$25,000

State Bank of St. Jacob

6-Month CD

4.25%

$2,500

Heritage Bank Minnesota

12-Month CD

4.11%

$250

Credit Human Federal Credit Union

12-Month CD

4.06%

$500

Peru Federal Savings Bank

18-Month CD

4.00%

$1,000

First Community Bank Beemer, NE

12-Month CD

3.96%

$10,000

E-Trade

60-Month CD

3.90%

Farmers and Merchants Bank Milligan, NE

24-Month CD

3.75%

$500

SSB of Wanamingo

12-Month CD

3.75%

$500

The Fountain Trust Company

1903 Money Market

3.75%

$50,000

Coleman County State Bank

Rewards Checking

3.60%

$100

Exchange Bank of Alabama

6-Month CD

3.53%

$1,000

Phelps County Bank

36-Month CD

3.49%

$1,000

Freedom Bank Huntingburg, IN

24-Month CD

3.44%

$500

My eBanc, a division of Bradesco Bank

SuperSaver Money Market

3.40%

$5,000

Citizens State Bank Somerville, TX

12-Month CD

3.40%

$1,000

The Seymour Bank

48-Month CD

3.29%

$1,000

Pineries Bank

48-Month CD

3.10%

$1,000

Kennebec Savings Bank

12-Month CD

3.05%

$500

First National Bank of Michigan

24-Month CD

3.04%

$2,500

Ambler Savings Bank

12-Month CD

3.00%

$1,000

First National Bank of Shiner

18-Month CD

3.00%

$1,000

Range Bank

18-Month CD

2.50%

$1,000

InFirst Bank

6-Month CD

2.50%

$500

Port Washington State Bank

24-Month CD

2.25%

$10,000

Savers Co-operative Bank

48-Month CD

2.05%

$500

Maries County Bank

15-Month CD

2.02%

$1,000

1st University Credit Union

24-Month CD

2.02%

$1,000

Milli Bank

Savings

1.50%

Ohio Valley Bank Co.

24-Month CD

1.20%

$2,500

First Nebraska Bank

Savings

1.15%

$100

Pentucket Bank

Money Market

1.13%

$1,000

FNB of Groton

24-Month CD

1.06%

$1,000

AHE Plant 3 Federal Credit Union

6-Month CD

1.05%

$500

Citizens State Bank Sheldon, IA

12-Month CD

1.00%

$1,000

Headwaters State Bank

Passbook Savings

1.00%

$50

PSB Wellsburg, IA

Hi-Fi Money Market

0.85%

$2,500

Atkins Savings B&T

3-Month CD

0.50%

$1,000

FNB Bank, Inc. Romney, WV

3-Month CD

0.50%

$2,500

Gateway Commercial Bank

Money Market

0.50%

$1,000

Neffs National Bank

Statement Savings

0.40%

$10

FNB of Elmer

24-Month CD

0.30%

$500

Spencer Savings Bank

18-Month CD

0.25%

$1,000

Equitable S&L Co.

24-Month CD

0.25%

$500

Warsaw Federal S&L

12-Month CD

0.25%

$500

Community Bank of Raymore

Money Market

0.15%

$50,000

Eclipse Bank

3-Month CD

0.10%

$1,000

Vystar Credit Union

Regular Savings

0.10%

$50

BankNewport

Statement Savings

0.05%

$100

Friendship State Bank

Passbook Savings

0.05%

$100

Disclaimer

Mortgage Rates May 13, 2025

1st Northern California Credit Union

7-Year Fixed

3.990%

4.357%

0.750

1st Northern California Credit Union

10-Year Fixed

4.250%

4.514%

0.750

1st Northern California Credit Union

15-Year Fixed

4.500%

4.685%

0.750

M&T Bank

5-Year ARM Jumbo

5.250%

4.753%

0.000

Americas First Federal Credit Union

15-Year Fixed

5.560%

5.250%

0.000

Catskill Hudson Bank

15-Year Fixed

5.250%

5.385%

0.750

Lakewood Credit Union

15 Year Fixed

5.300%

5.390%

0.000

Pioneer Federal Credit Union

15-Year Fixed

5.250%

5.491%

0.000

Pittsford Federal Credit Union

15-Year Fixed

5.375%

5.507%

0.000

State Employees Credit Union

10-Year Fixed

5.300%

5.518%

0.000

North Carolina Press Association Federal Credit Union

10 Year Fixed

5.300%

5.518%

0.000

1st Northern California Credit Union

15-Year Fixed (Jumbo)

5.375%

5.525%

0.750

DCU Digital Federal Credit Union

10-Year Fixed

5.250%

5.545%

1.000

Pittsford Federal Credit Union

10-Year Fixed

5.375%

5.563%

0.000

First FSB of Champaign Urbana

10-Year Fixed

5.500%

5.569%

0.000

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

Hatboro Federal Savings

15-Year Fixed

5.250%

5.629%

2.000

Piedmont Advantage Credit Union

15-Year Fixed

5.375%

5.633%

0.000

Abound Federal Credit Union

15-Year Fixed Jumbo

5.625%

5.651%

0.000

State Employees Credit Union

15-Year Fixed

5.500%

5.654%

0.000

North Carolina Press Association Federal Credit Union

15 Year Fixed

5.500%

5.654%

0.000

Nuvision Federal Credit Union

15-Year Fixed

5.375%

5.677%

1.125

Sikorsky Credit Union

15-Year Fixed

5.625%

5.681%

0.000

Chartway Credit Union

5/1 ARM

5.625%

5.693%

0.000

Navy Federal Credit Union

15-Year Fixed

5.500%

5.694%

0.250

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

First National Bank of Shiner Information

First National Bank of Shiner

103 W 7th St
Shiner, TX 77984
Lavaca
Established Date: 11/19/1900
FDIC Certificate #: 5529
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: INDUSTRY BANCSHARES INC

How Many Domestic U.S. Offices? 5

How Many Branches are There? 5

Website: https://www.fnbshiner.com

Is First National Bank of Shiner FDIC Insured? Yes

What is First National Bank of Shiner's Cert number? 5529

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

First National Bank of Shiner Financials

Total Assets:

$902,325,000

Total Deposits:

$867,636,000

Equity Capital:

$-35,592,000

Domestic Deposits:

$867,636,000

Net Income:

$34,000

Return on Assets:

0.4471%

Quarterly Return on Assets:

0.0200%

Pretax Return on Assets:

0.0150%

Pretax Quarterly Return on Assets:

0.0200%

Return on Equity:

0.0000%

Quarterly Return on Equity:

0.0000%

Common Equity Tier 1 Capital Ratio:

30.4118%

Tier 1 Risk-Based Capital Ratio:

30.4118%

Leverage Tier 1 (Core Capital) Ratio:

11.1126%

Total Risk-Based Capital Ratio (YTD):

31.2448%

Total Interest Income (YTD):

4.0392%

Headquarters:

Shiner

FDIC Field Office:

Austin

Regulator:

OCC

County:

Lavaca

# of Offices:

Metropolitan Statistical Area (MSA):

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Dallas

Source: FDIC Last Updated 03/31/2024

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