What are the current interest rates at Avana Bank?

Current rates for Avana Bank include: 12-Month CD: 0.06%, 24-Month CD: 0.06%, Savings: 0.05%, MMA: 2.89%

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Avana Bank Rates & Review October 2026

Q: How many branches does Avana Bank operate?

Avana Bank currently maintains approximately 3 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, Avana 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Avana 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: October 11, 2026

Avana Bank's top rates as of October 11, 2026 are 3.04% APY on its 6-month special 6-Month Certificates of Deposit CD, 0.05% APY on savings, and 2.89% APY on money market accounts, according to rates verified by MonitorBankRates. Other Avana Bank CD rates include 6-Months 6-Month CD Special at 3.04%, 12-month special 12-Month Certificates of Deposit at 2.99%, and 12-Months 12-Month CD Special at 2.99%. MonitorBankRates evaluates the financial stability of Avana Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Avana Bank

2118 S Treadaway Blvd
Abilene, TX 79602

https://www.fsbabilene.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Avana Bank CD Rates

Product	Rate	APY	Term
6 Month Certificates of Deposit	3.00%	3.04%	6-month special
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 month CD Special	3.00%	3.04%	6 Months
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 3.04% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Certificates of Deposit	2.95%	2.99%	12-month special
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 month CD Special	2.95%	2.99%	12 Months
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.99% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Jumbo Certificates of Deposit	0.20%	0.20%	2 Years
Min Deposit $100,000 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Jumbo Certificates of Deposit	0.15%	0.15%	1 Year
Min Deposit $100,000 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
180 Day Jumbo Certificates of Deposit	0.10%	0.10%	180 Days
Min Deposit $100,000 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
180 Day Certificates of Deposit	0.08%	0.08%	180 Days
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.08% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1 Year Certificates of Deposit	0.06%	0.06%	1 Year
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.06% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2 Year Certificates of Deposit	0.06%	0.06%	2 Years
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.06% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
90 Day Jumbo Certificates of Deposit	0.05%	0.05%	90 Days
Min Deposit $100,000 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
90 Day Certificates of Deposit	0.04%	0.04%	90 Days
Min Deposit $500 Details Interest rate is fixed for the term of the C.D. and earned interest can be credited directly to your Avana Bank transaction account. Auto renewal available. While there is no service charge for maintaining your C.D. there is penalty for early withdrawal. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Avana Bank Savings Rates

Product	Rate	APY
NOW Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. A Penalty may be imposed for withdrawals before maturity. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings	0.02%	0.03%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 0.05% → 0.03% ▼ 0.02 pts · high 0.05% / low 0.03% Oct 7, 20260.03%▼ from 0.05% Sep 27, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings	0.02%	0.02%
Min Balance $0 Details Balance: $0.01 - $2,499.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. A Penalty may be imposed for withdrawals before maturity. Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 0.05% → 0.02% ▼ 0.03 pts · high 0.05% / low 0.02% Oct 7, 20260.02%▼ from 0.05% Sep 27, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Avana Bank Money Market Rates

Product	Rate	APY
Money Market	2.85%	2.89%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and above. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 2.89% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.10%	0.10%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.08%	0.08%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 0.08% ▼ 0.02 pts · high 0.10% / low 0.08% Oct 7, 20260.08%▼ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99. This is an interest-bearing checking account with check writing privileges. Interest is compounded and credited monthly based on the following tiers: $2,500.00 - $24,999.99, $25,000.00 - $99,999.99, $100,000.00 - $249,999.99, $250,000.00 and above. No monthly service charge when the daily balance is above $1,500.00. If the daily balance falls below $1,500.00, a service fee of $15.00 will be imposed. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.02%	0.03%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99. This is an interest-bearing checking account with check writing privileges. Interest is compounded and credited monthly based on the following tiers: $0.01 - $2,499.99, $25,000.00 - $99,999.99, $100,000.00 - $249,999.99, $250,000.00 and above. No monthly service charge when the daily balance is above $1,500.00. If the daily balance falls below $1,500.00, a service fee of $15.00 will be imposed. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.02%	0.02%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $2,499.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

Avana Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Money Market	0.03%	-	0.03%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice. Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Avana Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$40M	0.00%	5.0	A+
March 31, 2026	$39M	0.00%	5.0	A+
December 31, 2025	$41M	0.00%	5.0	A+
September 30, 2025	$38M	0.00%	5.0	A+
June 30, 2025	$38M	0.06%	5.0	A+
March 31, 2025	$42M	0.00%	5.0	A+
December 31, 2024	$39M	0.00%	5.0	A+
September 30, 2024	$39M	0.00%	5.0	A+
June 30, 2024	$38M	0.00%	5.0	A+
March 31, 2024	$41M	0.00%	5.0	A+
December 31, 2023	$37M	0.51%	5.0	A+
September 30, 2023	$35M	0.00%	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 Avana 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 Avana 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 Avana Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Avana Bank

Bank Holding Company ABILENE HOLDCO INC

Address 2118 S Treadaway Blvd, Abilene, TX 79602 · Taylor

Website https://www.fsbabilene.com

FDIC Certificate # 10704

Established 19030603

FDIC Insurance Date 19340101

Domestic Offices 3

Total Branches 3

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.4221%

Return on Equity (ROE) -1.9100%

Non-Performing Loans (NPL) 0.00%

Total Assets $39,554,000

Total Deposits $30,590,000

Equity Capital $8,738,000

Net Income $-84,000

Headquarters Abilene

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Avana Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/first-state-bank-abilene-tx-rates-review-10704">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About Avana Bank

How many branches does Avana Bank operate?

Avana Bank currently maintains approximately 3 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, Avana 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, Avana Bank provides members with tools to manage their accounts and build a solid financial history.

Does Avana Bank offer online and mobile banking?

Most modern institutions like Avana 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.fsbabilene.com.