What are the current interest rates at Fisher National Bank?

Current rates for Fisher National Bank include: 12-Month CD: 3.03%, 18-Month CD: 3.14%, 24-Month CD: 3.14%, 36-Month CD: 3.29%, 48-Month CD: 3.29%, 60-Month CD: 3.29%, Savings: 0.50%, MMA: 1.01%

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Fisher National Bank Rates & Review April 2026

Q: How many branches does Fisher National Bank operate?

Fisher National Bank currently maintains approximately 6 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, Fisher National 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, Fisher National 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: April 3, 2026

Fisher National Bank's 30-Month Certificate of Deposit (CDs) rates are at 3.29%, 36-Month Certificate of Deposit (CDs) rates are at 3.29%, 48-Month Certificate of Deposit (CDs) rates are at 3.29%, 60-Month Certificate of Deposit (CDs) rates are at 3.29%, 18-Month Certificate of Deposit (CDs) rates are at 3.14%. Fisher National Bank's savings rates are at 0.50%. Fisher National Bank's money market rates are at 1.01%. MonitorBankRates evaluates the financial stability of Fisher National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.71%. Rates were last updated on 04/03/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.71%

Excellent Higher than avg

Fisher National Bank

102 E Division St
Fisher, IL 61843

https://www.fishernational.com

Fisher National Bank CD Rates

Product	Rate	APY	Term
30 month Certificate of Deposit (CDs)	3.25%	3.29%	30
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
36 month Certificate of Deposit (CDs)	3.25%	3.29%	36
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
48 month Certificate of Deposit (CDs)	3.25%	3.29%	48
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 12 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
60 month Certificate of Deposit (CDs)	3.25%	3.29%	60
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 12 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
18 Month Certificate of Deposit (CDs)	3.10%	3.14%	18
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
24 Month Certificate of Deposit (CDs)	3.10%	3.14%	24
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
12 Month Certificate of Deposit (CDs)	3.00%	3.03%	12
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 3 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
6 Month Certificate of Deposit (CDs)	2.50%	2.53%	6
Min Balance $500 Details $500.00 Minimum Balance; Interest Compounded Quarterly; 3 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
3 Month Certificate of Deposit (CDs)	2.00%	2.02%	3
Min Balance $500 Details $500.00 Minimum Balance; Interest Paid at maturity; 3 Month Interest Penalty Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%

Fisher National Bank Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Min Deposit $5 Details $5.00 minimum balance; Simple interest paid at club year end; Account is not eligible for regular withdrawals Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Regular Savings	0.50%	0.50%
Min Balance $100 Details $100.00 minimum balance to avoid a $10.00 quarterly service charge; Interest Compounded Quarterly; Account includes 15 free w/d per quarter. $1 service charge for each additional w/d in same quarter Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Prime Benefits and Foundation Club	0.15%	0.15%
Min Deposit $50 Details $50.00 minimum balance to open; Interest paid monthly; No interest is paid if balance is less than $2,500.00 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%

Fisher National Bank Money Market Rates

Product	Rate	APY
Money Market Plus	2.75%	2.79%
Min Balance $100,000 Details $100,000.00 Minimum Balance; Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Money Market Plus	2.50%	2.53%
Min Balance $50,000 Details $50,000.00 Minimum Balance; Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Money Market Plus	2.00%	2.02%
Min Balance $25,000 Details $25,000.00 Minimum Balance; Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Money Market Plus	1.00%	1.01%
Min Balance $1,000 Details $1,000.00 Minimum Balance; Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%

Fisher National Bank Checking Rates

Product	Rate	APY
Rewards Saver (when affiliated with Rewards Cash Back or Rewards Checking account)	-	3.55%
Details Qualifications Required: Rate received if qualifications in Rewards Checking or Rewards Cash Back checking account are met; Qualifying balance up to $20,000.00 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Rewards Checking	-	2.02%
No additional details. Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%
Interest Checking	0.15%	0.15%
Min Deposit $500 Details $500.00 minimum balance to open; Interest paid monthly; Penalty of $10.00 if balance falls below $500.00 Last Updated 04/03/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.71%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Fisher National 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 Fisher National 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 Fisher National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Fisher National Bank

Bank Holding Company FISHER BCORP INC

Address 102 E Division St, Fisher, IL 61843 · Champaign

Website https://www.fishernational.com

FDIC Certificate # 17513

Established 11/18/1955

FDIC Insurance Date 11/18/1955

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.71%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0415%

Return on Equity (ROE) 14.7900%

Non-Performing Loans (NPL) 0.42%

Total Assets $364,093,000

Total Deposits $308,059,000

Equity Capital $33,761,000

Net Income $5,516,000

Headquarters Fisher

Total Offices 6

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Fisher National Bank

Is Fisher National Bank a safe place to deposit money?

Yes, Fisher National Bank is considered a safe financial institution. With a Texas Ratio of 6.7136579210721%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Fisher National Bank operate?

Fisher National Bank currently maintains approximately 6 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, Fisher National 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, Fisher National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Fisher National Bank offer online and mobile banking?

Most modern institutions like Fisher National 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.fishernational.com.