What are the current interest rates at First State Bank of Porter?

Current rates for First State Bank of Porter include: 12-Month CD: 0.10%, 18-Month CD: 1.15%, 24-Month CD: 0.13%, 36-Month CD: 0.15%, 48-Month CD: 0.17%, Savings: 0.30%, MMA: 0.50%

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First State Bank of Porter Rates & Review November 2026

Q: What CD terms does First State Bank of Porter offer?

First State Bank of Porter CD rates are 3.55% APY for a 6 month CD, 3.78% APY for a 12 month CD, 1.15% APY for an 18 month CD, 2.85% APY for a 2 year CD, 0.15% APY for a 3 year CD and 2.42% APY for a 4 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First State Bank of Porter for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First State Bank of Porter's 1 Year Traditional CD rates are at 3.78%, 6-Month Traditional CD rates are at 3.55%, 2 Year 2nd Chance CD rates are at 2.85%, Traditional CD - 2 Year rates are at 2.80%, Traditional CD - 4 Year rates are at 2.42%. First State Bank of Porter's savings rates are at 0.30%. First State Bank of Porter's money market rates are at 0.50%. First State Bank of Porter's checking rates are as high as 0.12%. First State Bank of Porter's 15-Years Fixed Mortgage rates are at 6.99%, 20-Years Fixed Mortgage rates are at 7.27%, 30-Years Fixed Mortgage rates are at 7.49%. First State Bank of Porter's top CD rate of 3.78% APY on a 12 month CD is 25% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First State Bank of Porter with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 11/05/2026.

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

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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

Improving 12 quarters

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First State Bank of Porter

230 Lincoln St
Porter, IN 46304

https://www.porterstatebank.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.

First State Bank of Porter CD Rates

Product	Rate	APY	Term
1-Year Traditional CD	3.73%	3.78%	1 Year
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 3.78% ▲ 0.03 pts · high 3.78% / low 3.75% Nov 5, 20263.78%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
1-Year Traditional CD	3.63%	3.68%	1 Year
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.65% → 3.68% ▲ 0.03 pts · high 3.68% / low 3.65% Nov 5, 20263.68%▲ from 3.65% Oct 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month Traditional CD	3.50%	3.55%	6 months
Min Balance $100,000 Details Balance: $100,000.00 and above; Tier 2 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 3.45% → 3.55% ▲ 0.10 pts · high 3.55% / low 3.45% Nov 5, 20263.55%▲ from 3.45% Oct 7, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
6-Month Traditional CD	3.40%	3.44%	6 months
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99; Tier 1 Last Updated 11/05/2026 Rate History 1 change since Oct 7, 2026 · 3.35% → 3.44% ▲ 0.09 pts · high 3.44% / low 3.35% Nov 5, 20263.44%▲ from 3.35% Oct 7, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 30-Month	3.10%	3.14%	30 Month
Min Balance $100,000 Details Balance: $100,000.00 and above; Tier 2; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 30-Month	3.00%	3.04%	30 Month
Min Balance $500 Details Balance: $500.00 to $99,999.99; Tier 1; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.04% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 48-Month	3.00%	3.03%	48 Month
Min Balance $100,000 Details Balance: $100,000.00 and above; Tier 2; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 48-Month	2.90%	2.93%	48 Month
Min Balance $500 Details Balance: $500.00 to $99,999.99; Tier 1; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.93% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2-Year 2nd Chance CD	2.82%	2.85%	2 Year
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Traditional CD - 2-Year	2.77%	2.80%	2 Year
Min Balance $100,000 Details Balance: $100,000.00 and above; Min Balance to Open/Obtain APY: $100,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
2-Year 2nd Chance CD	2.72%	2.75%	2 Year
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Traditional CD - 2-Year	2.67%	2.70%	2 Year
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99; Min Balance to Open/Obtain APY: $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Traditional CD - 4-Year	2.40%	2.42%	4 Year
Min Balance $100,000 Details Balance: $100,000.00 and over; Tier 2; Rates and APY effective as of September 30, 2026 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.42% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Traditional CD - 4-Year	2.30%	2.32%	4 Year
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99; Tier 1; Rates and APY effective as of September 30, 2026 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 2.32% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3-Year Traditional CD	2.10%	2.12%	3 Year
Min Balance $100,000 Details Balance: $100,000.00 and above Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.12% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3-Year Traditional CD	2.00%	2.02%	3 Year
Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 18-Month	1.25%	1.26%	18 Month
Min Balance $100,000 Details Balance: $100,000.00 and above; Tier 2; Variable rate account, rate may change after account is opened; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 18-Month	1.15%	1.15%	18 Month
Min Balance $25 Details Balance: $25.00 to $99,999.99; Tier 1; Variable rate account, rate may change after account is opened; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 4-Year	0.27%	0.27%	4 Year
Min Balance $100,000 Details Balance: $100,000 (Tier 1); Renewing No-Penalty CD Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.27% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 3-Year	0.25%	0.25%	3 Year
Min Balance $100,000 Details Tier 1; Balance: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 2-Year	0.23%	0.23%	2 Year
Min Balance $100,000 Details Balance: $100,000 minimum (Tier 1) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.23% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 1-Year	0.20%	0.20%	1 Year
Min Balance $100,000 Details Tier 1; Balance: $100,000; Rate 0.20%, APY 0.20% Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 4-Year	0.17%	0.17%	4 Year
Min Balance $1,000 Details Balance: $1,000 (Tier 4); Renewing No-Penalty CD Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.17% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 4-Year	0.17%	0.17%	4 Year
Min Balance $10,000 Details Balance: $10,000 (Tier 3); Renewing No-Penalty CD Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.17% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 4-Year	0.17%	0.17%	4 Year
Min Balance $25,000 Details Balance: $25,000 (Tier 2); Renewing No-Penalty CD Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.17% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs 182 Day	0.17%	0.17%	182 Day
Min Balance $100,000 Details Tier 1; Balance: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.17% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
91 Day Renewing No- Penalty CDs	0.15%	0.15%	91 Day
Min Balance $100,000 Details Tier 1; Balance: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 3-Year	0.15%	0.15%	3 Year
Min Balance $1,000 Details Tier 4; Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 3-Year	0.15%	0.15%	3 Year
Min Balance $10,000 Details Tier 3; Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 3-Year	0.15%	0.15%	3 Year
Min Balance $25,000 Details Tier 2; Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 2-Year	0.13%	0.13%	2 Year
Min Balance $1,000 Details Balance: $1,000 minimum (Tier 4) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 2-Year	0.13%	0.13%	2 Year
Min Balance $10,000 Details Balance: $10,000 minimum (Tier 3) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs - 2-Year	0.13%	0.13%	2 Year
Min Balance $25,000 Details Balance: $25,000 minimum (Tier 2) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 1-Year	0.10%	0.10%	1 Year
Min Balance $25,000 Details Tier 2; Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 1-Year	0.10%	0.10%	1 Year
Min Balance $10,000 Details Tier 3; Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CD - 1-Year	0.10%	0.10%	1 Year
Min Balance $1,000 Details Tier 4; Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs 182 Day	0.07%	0.07%	182 Day
Min Balance $1,000 Details Tier 4; Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs 182 Day	0.07%	0.07%	182 Day
Min Balance $10,000 Details Tier 3; Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Renewing No-Penalty CDs 182 Day	0.07%	0.07%	182 Day
Min Balance $25,000 Details Tier 2; Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
91 Day Renewing No- Penalty CDs	0.05%	0.05%	91 Day
Min Balance $1,000 Details Tier 4; Balance: $1,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
91 Day Renewing No- Penalty CDs	0.05%	0.05%	91 Day
Min Balance $10,000 Details Tier 3; Balance: $10,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
91 Day Renewing No- Penalty CDs	0.05%	0.05%	91 Day
Min Balance $25,000 Details Tier 2; Balance: $25,000 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank of Porter Savings Rates

Product	Rate	APY
Elite Savings	0.30%	0.30%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.30% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids Level Up Savings	0.27%	0.27%
Min Deposit $5 Min Balance $1,000 Details Balance: $1000.01 and Up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.27% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Elite Savings	0.20%	0.20%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids Level Up Savings	0.17%	0.17%
Min Deposit $5 Min Balance $500 Details Balance: $500.01 to $1000.00 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.17% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Health Savings Acct	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Elite Savings	0.07%	0.07%
Min Deposit $25,000 Min Balance $0 Details Balance: $24,999.99 and under; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Kids Level Up Savings	0.07%	0.07%
Min Deposit $5 Min Balance $0 Details Balance: $.01 to $500.00 Last Updated 11/05/2026 Rate History No change since Oct 3, 2026 · 0.07% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
EZ Savings	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank of Porter Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Money Market	0.07%	0.07%
Min Deposit $1,000 Min Balance $0 Details Balance: $24,999.99 and under; Variable Rate Account Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank of Porter Checking Rates

Product	Rate	APY
Elite Checking	0.12%	0.12%
Min Deposit $500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 and above; Variable rate account, rate may change after account opening Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.12% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Elite Checking	0.05%	0.05%
Min Deposit $500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99; Variable rate account, rate may change after account opening Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Elite Checking	0.03%	0.03%
Min Deposit $500 Min Balance $1,000 Details Tier 1; Balance: $1,000.00 - $9,999.99; Variable rate account, rate may change after account opening Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank of Porter Mortgage Rates

Product	Rate	Points	APR	Term
15-Years Fixed Mortgage	6.99%	-	7.18%	15-Years
No additional details. Last Updated 11/05/2026 Rate History 3 changes since Oct 1, 2026 · 6.87% → 7.18% ▲ 0.31 pts · high 7.23% / low 6.87% Nov 5, 20267.18%▼ from 7.23% Oct 31, 20267.23%▲ from 7.18% Oct 26, 20267.18%▲ from 6.87% Oct 1, 20266.87%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
20-Years Fixed Mortgage	7.27%	-	7.43%	20-Years
No additional details. Last Updated 11/05/2026 Rate History 3 changes since Oct 1, 2026 · 7.06% → 7.43% ▲ 0.37 pts · high 7.48% / low 7.06% Nov 5, 20267.43%▼ from 7.48% Oct 31, 20267.48%▲ from 7.43% Oct 26, 20267.43%▲ from 7.06% Oct 1, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
30-Years Fixed Mortgage	7.49%	-	7.61%	30-Years
No additional details. Last Updated 11/05/2026 Rate History 3 changes since Oct 1, 2026 · 7.25% → 7.61% ▲ 0.36 pts · high 7.66% / low 7.25% Nov 5, 20267.61%▼ from 7.66% Oct 31, 20267.66%▲ from 7.61% Oct 26, 20267.61%▲ from 7.25% Oct 1, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

First State Bank of Porter Other Rates

Product	Rate	Points	APY/APR	Term
Everyday Svg.	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Variable Rate Account Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 182 Day	3.02%	-	3.05%	182 Day
Min Balance $1,000 Details Balance: $1,000.00 to $99,999.99; Tier 1; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Individual IRA 182 Day	3.12%	-	3.16%	182 Day
Min Balance $100,000 Details Balance: $100,000.00 and above; Tier 2; Subject to Early Withdrawal Penalty Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.16% APY · checked 5 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.
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Financial Health History

First State Bank of Porter’s Texas Ratio fell from 1.32% in Q3 2023 to 0.00% in Q2 2026, so its financial health has improved and is now 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	$162M	0.00%	5.0	A+
March 31, 2026	$156M	0.36%	5.0	A+
December 31, 2025	$158M	0.61%	5.0	A+
September 30, 2025	$162M	0.00%	5.0	A+
June 30, 2025	$158M	0.00%	5.0	A+
March 31, 2025	$158M	0.00%	5.0	A+
December 31, 2024	$163M	0.00%	5.0	A+
September 30, 2024	$161M	0.80%	5.0	A+
June 30, 2024	$159M	0.71%	5.0	A+
March 31, 2024	$158M	0.71%	5.0	A+
December 31, 2023	$159M	0.00%	5.0	A+
September 30, 2023	$158M	1.32%	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 of Porter 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 of Porter 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 of Porter's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First State Bank of Porter

Website https://www.porterstatebank.com

Address 230 Lincoln St, Porter, IN 46304 · Porter

FDIC Certificate # 12836

Regulator FED

Established April 1, 1920

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.00%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8460%

Return on Equity (ROE)

5.8900%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$162,294,000

Total Deposits

$138,197,000

Equity Capital

$23,195,000

Net Income

$672,000

Headquarters

Porter

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First State Bank of Porter earned the Verified Healthy badge

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Frequently Asked Questions About First State Bank of Porter

Does First State Bank of Porter offer CDs?

Yes. First State Bank of Porter current CD rates include its 1 Year Traditional CD at 3.78% APY, its 6-Month Traditional CD at 3.55% APY and its 2 Year 2nd Chance CD at 2.85% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First State Bank of Porter FDIC insured?

Yes. First State Bank of Porter is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First State Bank of Porter?

The highest First State Bank of Porter CD rate is its 1 Year Traditional CD at 3.78% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First State Bank of Porter offer?

First State Bank of Porter CD rates are 3.55% APY for a 6 month CD, 3.78% APY for a 12 month CD, 1.15% APY for an 18 month CD, 2.85% APY for a 2 year CD, 0.15% APY for a 3 year CD and 2.42% APY for a 4 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First State Bank of Porter for its full lineup.

What is the highest savings rate at First State Bank of Porter?

The highest First State Bank of Porter savings rate is its Elite Savings at 0.30% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at First State Bank of Porter?

The highest First State Bank of Porter money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at First State Bank of Porter?

The highest First State Bank of Porter checking rate is its Elite Checking at 0.12% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at First State Bank of Porter?

The lowest First State Bank of Porter 30 year fixed mortgage rate is its 30-Years Fixed Mortgage at 7.49%, verified by MonitorBankRates as of November 5, 2026. First State Bank of Porter mortgage rates are 7.49% for a 30 year mortgage, 7.27% for a 20 year mortgage and 6.99% for a 15 year mortgage.

How many branches does First State Bank of Porter operate?

First State Bank of Porter 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 of Porter 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 of Porter provides members with tools to manage their accounts and build a solid financial history.

Does First State Bank of Porter offer online and mobile banking?

Most modern institutions like First State Bank of Porter 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.porterstatebank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First State Bank of Porter rates compare?

First State Bank of Porter's top CD rate of 3.78% APY on a 12 month CD is 25% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. First State Bank of Porter's top rates are its 1 Year Traditional CD at 3.78% APY, its Elite Savings at 0.30% APY, its Money Market at 0.50% APY, its Elite Checking at 0.12% APY and its 15-Years Fixed Mortgage at 6.99%, verified by MonitorBankRates on November 5, 2026.

Current First State Bank of Porter Rates

12-Month CD0.10%
18-Month CD1.15%
24-Month CD0.13%
36-Month CD0.15%
48-Month CD0.17%
Savings0.30%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

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First State Bank of Porter Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First State Bank of Porter Texas Ratio

First State Bank of Porter Health Trend

First State Bank of Porter CD Rates

First State Bank of Porter Savings Rates

First State Bank of Porter Money Market Rates

First State Bank of Porter Checking Rates

First State Bank of Porter Mortgage Rates

First State Bank of Porter Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First State Bank of Porter earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First State Bank of Porter

Does First State Bank of Porter offer CDs?

Are CDs from First State Bank of Porter FDIC insured?

What is the highest CD rate at First State Bank of Porter?

What CD terms does First State Bank of Porter offer?

What is the highest savings rate at First State Bank of Porter?

What is the highest money market rate at First State Bank of Porter?

What is the highest checking rate at First State Bank of Porter?

What is the lowest 30 year fixed mortgage rate at First State Bank of Porter?

How many branches does First State Bank of Porter operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First State Bank of Porter offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First State Bank of Porter rates compare?

Current First State Bank of Porter Rates

Compare to Other Banks