What are the current interest rates at First Robinson Savings Bank?

Current rates for First Robinson Savings Bank include: 12-Month CD: 2.52%, 18-Month CD: 2.27%, 24-Month CD: 2.27%, 36-Month CD: 2.27%, 48-Month CD: 2.27%, 60-Month CD: 2.27%, Savings: 0.10%, MMA: 0.10%

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First Robinson Savings Bank

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First Robinson Savings Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Robinson Savings Bank 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 19, 2026

First Robinson Savings Bank's 18-Months 18-Month Kids Time Deposit Account rates are at 3.50%, 182 Day Certificate rates are at 3.28%, 91 Day Certificate rates are at 3.03%, 12-Month Certificate rates are at 2.52%, 18-Month Certificate rates are at 2.27%. First Robinson Savings Bank's savings rates are at 0.10%. First Robinson Savings Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of First Robinson Savings Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.36%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.36%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

First Robinson Savings Bank, National Association

501 E Main St
Robinson, IL 62454

https://www.frsb.net

First Robinson Savings Bank CD Rates

Product	Rate	APY	Term
18 month Kids Time Deposit Account	-	3.50%	18 months
Min Deposit $10 Details Term: Until child's 18th birthday; Available to young savers up to 18 years old; The interest rate adjusts annually on the child's birthday. The rate is 2% over the 1-year U.S. Treasury rate. There is a floor (lowest rate) of 3.50% APY (Annual Percentage Yield). There is no ceiling (highest rate). Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
182 Day Certificate	3.25%	3.28%	182 Day
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
91 Day Certificate	3.00%	3.03%	91 Day
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
12 Month Certificate	2.50%	2.52%	12 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
18 Month Certificate	2.25%	2.27%	18 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
24 Month Certificate	2.25%	2.27%	24 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
36 Month Certificate	2.25%	2.27%	36 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
48 Month Certificate	2.25%	2.27%	48 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
60 Month Certificate	2.25%	2.27%	60 Month
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
IRA-18 Month Fixed	2.25%	2.27%	18 Month Fixed
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
IRA-18 Month Fixed	2.25%	2.27%	18 months
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%

First Robinson Savings Bank Savings Rates

Product	Rate	APY
Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Christmas Club	0.05%	0.05%
Min Deposit $10 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%

First Robinson Savings Bank Money Market Rates

Product	Rate	APY
Money Market Account	0.25%	0.25%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Money Market Account	0.15%	0.15%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500- $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Money Market Account	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Money Market Account	0.10%	0.10%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $2,499 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%

First Robinson Savings Bank Other Rates

Product	Rate	Points	APY/APR
Kasasa Cash Checking	1.00%	-	1.00%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $15,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Cash Checking	0.25%	-	0.35%
Min Deposit $100 Min Balance $0 Details Published APY range: 0.35% - 1.00%. Balance: $15,001 & over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Cash Checking	0.03%	-	0.03%
Min Deposit $100 Min Balance $0 Details w/o requirements Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Cash Checking	2.47%	-	2.50%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $15,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Cash Checking	0.03%	-	0.03%
Min Deposit $100 Details Balance: w/o requirements Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Saver Savings	0.50%	-	0.50%
Min Deposit $1 Min Balance $0 Details Balance: $0 - $15,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%
Kasasa Saver Savings	0.25%	-	0.28%
Min Deposit $1 Min Balance $15,001 Details Published APY range: 0.28% - 0.50%. Balance: $15,001 & over Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.36%

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

First Robinson Savings Bank’s Texas Ratio rose from 6.34% in Q3 2023 to 11.36% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from B 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	$512M	11.36%	5.0	A
March 31, 2026	$511M	12.01%	5.0	A
December 31, 2025	$501M	6.06%	5.0	A
September 30, 2025	$497M	3.17%	5.0	A+
June 30, 2025	$470M	3.41%	5.0	A+
March 31, 2025	$477M	3.55%	5.0	A+
December 31, 2024	$469M	3.33%	5.0	A+
September 30, 2024	$491M	3.96%	4.9	A+
June 30, 2024	$460M	3.99%	4.5	A
March 31, 2024	$468M	5.33%	4.3	B+
December 31, 2023	$483M	5.50%	3.9	B
September 30, 2023	$463M	6.34%	3.6	B

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 Robinson Savings Bank 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 Robinson Savings Bank 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 Robinson Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Robinson Savings Bank

Bank Holding Company FIRST ROBINSON FINANCIAL CORP

Address 501 E Main St, Robinson, IL 62454 · Crawford

Website https://www.frsb.net

FDIC Certificate # 28105

Established 18840101

FDIC Insurance Date 19890809

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.36%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3108%

Return on Equity (ROE) 16.6900%

Non-Performing Loans (NPL) 0.90%

Total Assets $512,141,000

Total Deposits $408,584,000

Equity Capital $40,879,000

Net Income $3,330,000

Headquarters Robinson

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

First Robinson Savings Bank earned the Verified Healthy badge

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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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Frequently Asked Questions About First Robinson Savings Bank

How many branches does First Robinson Savings Bank operate?

First Robinson Savings Bank currently maintains approximately 5 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 Robinson Savings Bank 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 Robinson Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Robinson Savings Bank offer online and mobile banking?

Most modern institutions like First Robinson Savings Bank 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.frsb.net.