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FNB of Wauchula

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FNB of Wauchula Rates & Review August 2026

Q: How many branches does FNB of Wauchula operate?

FNB of Wauchula currently maintains approximately 1 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 Wauchula 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 Wauchula 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: August 30, 2026

FNB of Wauchula rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not FNB of Wauchula, and you can see how they compare in the FNB of Wauchula rate tables below. MonitorBankRates evaluates the financial stability of FNB of Wauchula with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.52%. Database rates last updated and verified on 08/30/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.52%

Excellent Higher than avg

FNB of Wauchula

406 N 6th Ave
Wauchula, FL 33873

https://www.fnbwauchula.com

Current Rate Availability

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Wauchula 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 Wauchula 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 Wauchula's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Wauchula

Bank Holding Company FIRST HARDEE HOLDING CORP

Address 406 N 6th Ave, Wauchula, FL 33873 · Hardee

Website https://www.fnbwauchula.com

FDIC Certificate # 18136

Established 01/12/1960

FDIC Insurance Date 01/12/1960

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9458%

Return on Equity (ROE) 9.9700%

Non-Performing Loans (NPL) 0.65%

Total Assets $85,575,000

Total Deposits $74,594,000

Equity Capital $9,427,000

Net Income $1,301,000

Headquarters Wauchula

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

FNB of Wauchula earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About FNB of Wauchula

How many branches does FNB of Wauchula operate?

FNB of Wauchula currently maintains approximately 1 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 Wauchula 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 Wauchula provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Wauchula offer online and mobile banking?

Most modern institutions like FNB of Wauchula 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.fnbwauchula.com.