What are the current interest rates at First State Bank Abilene, TX?

Current rates for First State Bank Abilene, TX include: 12-Month CD: 0.06%, 24-Month CD: 0.06%, Savings: 0.02%

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First State Bank Abilene, TX

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First State Bank Abilene, TX Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First State Bank Abilene, TX 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 State Bank Abilene, TX's 6-Months 6-Month CD Special rates are at 3.04%, 6-month special 6-Month Certificates of Deposit rates are at 3.04%, 12-Months 12-Month CD Special rates are at 2.99%, 12-month special 12-Month Certificates of Deposit rates are at 2.99%, 180 Days 180 Day Certificates of Deposit rates are at 0.08%. First State Bank Abilene, TX's savings rates are at 0.02%. MonitorBankRates evaluates the financial stability of First State Bank Abilene, TX with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 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 ›

First State Bank Abilene, TX

2118 S Treadaway Blvd
Abilene, TX 79602

https://www.fsbabilene.com

First State Bank Abilene, TX CD Rates

Product	Rate	APY	Term
6 Month CD Special	3.00%	3.04%	6 Months
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6 Month Certificates of Deposit	3.00%	3.04%	6-month special
Min Deposit $500 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Certificates of Deposit 180 Days	0.08%	0.08%	180 Days
Min Deposit $500 Details 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 09/19/2026 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 Last Updated 09/19/2026 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 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Certificates of Deposit 2 Years	0.06%	0.06%	2 Years
Min Deposit $500 Details 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 09/19/2026 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 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Certificates of Deposit 90 Days	0.04%	0.04%	90 Days
Min Deposit $500 Details 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank Abilene, TX Savings Rates

Product	Rate	APY
NOW Savings Money Market	2.89%	2.89%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	2.85%	2.85%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	2.85%	2.85%
Min Balance $0 Details Balance: $0-$2499.99. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000-$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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000-$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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.05%	0.05%
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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.02%	0.02%
Min Balance $250,000 Details Balance: $250,000 and above. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank Abilene, TX Money Market Rates

Product	Rate	APY
NOW Savings Money Market	2.89%	2.89%
Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	2.85%	2.85%
Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	2.85%	2.85%
Min Balance $0 Details Balance: $0-$2499.99. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.10%	0.10%
Min Balance $100,000 Details Balance: $100,000-$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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.08%	0.08%
Min Balance $25,000 Details Balance: $25,000-$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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.05%	0.05%
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. A Penalty may be imposed for withdrawals before maturity. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
NOW Savings Money Market	0.02%	0.02%
Min Balance $250,000 Details Balance: $250,000 and above. 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank Abilene, TX Other Rates

Product	Rate	Points	APY/APR	Term
CD Special 12 Months	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. Build your family safety net. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
CD Special 6 Months	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. Build your family safety net. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Certificates of Deposit 1 Year	0.06%	-	0.06%	1 Year
Min Deposit $500 Details 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 09/19/2026 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

First State Bank Abilene, TX’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 First State Bank Abilene, TX 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 State Bank Abilene, TX 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 State Bank Abilene, TX's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First State Bank Abilene, TX

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

2026 MBR Health & Safety Badge

First State Bank Abilene, TX earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About First State Bank Abilene, TX

How many branches does First State Bank Abilene, TX operate?

First State Bank Abilene, TX 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, First State Bank Abilene, TX 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 State Bank Abilene, TX provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank Abilene, TX offer online and mobile banking?

Most modern institutions like First State Bank Abilene, TX 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.