What are the current interest rates at First Westroads Bank?

Current rates for First Westroads Bank include: 12-Month CD: 3.45%, 24-Month CD: 2.50%, 36-Month CD: 2.50%, 48-Month CD: 2.50%, 60-Month CD: 2.50%, Savings: 0.25%, MMA: 3.06%

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First Westroads Bank

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First Westroads Bank Rates & Review October 2026

Q: How many branches does First Westroads Bank operate?

First Westroads Bank currently maintains approximately 2 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, First Westroads 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, First Westroads 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 12, 2026

First Westroads Bank's top rates as of October 12, 2026 are 4.55% APY on its 48-Months 48-Month CD, 0.25% APY on savings, 3.06% APY on money market accounts, and 3.06% APY on checking, according to rates verified by MonitorBankRates. Other First Westroads Bank CD rates include 60-Months 60-Month CD at 4.55%, 24-Months 24-Month CD at 4.45%, and 36-Months 36-Month CD at 4.45%. MonitorBankRates evaluates the financial stability of First Westroads Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.04%. Rates last updated and verified on 10/12/2026.

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

Ranked #31 Healthiest 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

0.04%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Westroads Bank, Inc.

15750 W Dodge Rd
Omaha, NE 68118

https://www.FIRSTWESTROADS.BANK

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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 Westroads Bank CD Rates

Product	Rate	APY	Term
48 Month CD	4.474%	4.55%	48 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
60 Month CD	4.474%	4.55%	60 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
24 Month CD	4.378%	4.45%	24 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
36 Month CD	4.378%	4.45%	36 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
12 Month CD	4.213%	4.28%	12 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.28% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
6 Month CD	3.951%	4.01%	6 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
3 Month CD	3.796%	3.85%	3 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 6 Month CD	3.55%	3.60%	6 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
5 Month CD	3.455%	3.50%	5 months
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 12 Month CD	3.41%	3.45%	12 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 24 Month CD	2.48%	2.50%	24 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 36 Month CD	2.48%	2.50%	36 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 48 Month CD	2.48%	2.50%	48 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 60 Month CD	2.48%	2.50%	60 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA 3 Month CD	0.75%	0.75%	3 Month
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First Westroads Bank Savings Rates

Product	Rate	APY
Consumer Savings	0.25%	0.25%
Min Deposit $100 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
IRA Savings	0.25%	0.25%
Min Deposit $500 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First Westroads Bank Money Market Rates

Product	Rate	APY
Elite Consumer Money Market	3.02%	3.06%
Min Deposit $100 Min Balance $4,000,000 Details Balance: $4,000,000.01 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Money Market	2.97%	3.01%
Min Deposit $100 Min Balance $3,000,000 Details Balance: $3,000,000.01 - $4,000,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Money Market	2.92%	2.96%
Min Deposit $100 Min Balance $2,000,000 Details Balance: $2,000,000.01 - $3,000,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.96% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Money Market	2.87%	2.91%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000.01 - $2,000,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.91% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Money Market	2.78%	2.81%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.01 - $1,000,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.81% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Consumer Money Market	2.03%	2.05%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.01 and over Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Consumer Money Market	1.69%	1.70%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.01 - $500,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Consumer Money Market	1.00%	1.00%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000.01 - $100,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Consumer Money Market	0.50%	0.50%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $10,000.00 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First Westroads Bank Checking Rates

Product	Rate	APY
Elite Consumer Checking	3.02%	3.06%
Min Deposit $100 Min Balance $4,000,000 Details Balance: $4,000,000.01 and over Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.06% → 3.06% ▼ 0.00 pts · high 3.06% / low 3.06% Sep 28, 20263.06%▼ from 3.06% Sep 24, 20263.06%▼ from 3.06% Sep 20, 20263.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Checking	2.97%	3.01%
Min Deposit $100 Min Balance $3,000,000 Details Balance: $3,000,000.01 - $4,000,000.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 3.01% → 3.01% ▼ 0.00 pts · high 3.01% / low 3.01% Sep 28, 20263.01%▼ from 3.01% Sep 24, 20263.01%▼ from 3.01% Sep 20, 20263.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Checking	2.92%	2.96%
Min Deposit $100 Min Balance $2,000,000 Details Balance: $2,000,000.01 - $3,000,000.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 2.96% → 2.96% ▼ 0.00 pts · high 2.96% / low 2.96% Sep 28, 20262.96%▼ from 2.96% Sep 24, 20262.96%▼ from 2.96% Sep 20, 20262.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Checking	2.87%	2.91%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000.01 - $2,000,000.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 2.91% → 2.91% ▼ 0.00 pts · high 2.91% / low 2.91% Sep 28, 20262.91%▼ from 2.91% Sep 24, 20262.91%▼ from 2.91% Sep 20, 20262.91%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Consumer Checking	2.78%	2.81%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.01 - $1,000,000.00 Last Updated 10/12/2026 Rate History 2 changes since Sep 20, 2026 · 2.81% → 2.81% ▼ 0.00 pts · high 2.81% / low 2.81% Sep 28, 20262.81%▼ from 2.81% Sep 24, 20262.81%▼ from 2.81% Sep 20, 20262.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Premier Consumer Checking	0.15%	0.15%
Min Deposit $100 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

First Westroads Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
HSA	0.10%	-	0.10%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

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 Westroads Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.04% 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	$395M	0.04%	5.0	A+
March 31, 2026	$384M	0.83%	5.0	A+
December 31, 2025	$391M	0.00%	5.0	A+
September 30, 2025	$389M	0.00%	5.0	A+
June 30, 2025	$385M	4.07%	5.0	A+
March 31, 2025	$369M	0.00%	5.0	A+
December 31, 2024	$354M	0.00%	5.0	A+
September 30, 2024	$356M	0.00%	5.0	A+
June 30, 2024	$336M	0.00%	5.0	A+
March 31, 2024	$334M	0.00%	5.0	A+
December 31, 2023	$325M	0.00%	5.0	A+
September 30, 2023	$328M	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 Westroads 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 Westroads 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 Westroads Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Westroads Bank

Bank Holding Company AMERIWEST CORP

Address 15750 W Dodge Rd, Omaha, NE 68118 · Douglas

Website https://www.FIRSTWESTROADS.BANK

FDIC Certificate # 19742

Established 19670815

FDIC Insurance Date 19670815

Domestic Offices 2

Total Branches 2

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

0.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4239%

Return on Equity (ROE) 12.8200%

Non-Performing Loans (NPL) 0.07%

Total Assets $394,899,000

Total Deposits $344,044,000

Equity Capital $44,522,000

Net Income $2,777,000

Headquarters Omaha

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Westroads Bank earned the Top 100 Healthiest 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #31 in MonitorBankRates Top 100 Healthiest Small Banks Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Banks Q2 2026 ranking.

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Frequently Asked Questions About First Westroads Bank

How many branches does First Westroads Bank operate?

First Westroads Bank currently maintains approximately 2 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 Westroads 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 Westroads Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Westroads Bank offer online and mobile banking?

Most modern institutions like First Westroads 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.FIRSTWESTROADS.BANK.