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%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Fisher National Bank

iAdvertiser Disclosure

Fisher National Bank Rates & Review September 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 and Verified: September 19, 2026

Fisher National Bank's 30-Months 30-Month Certificate of Deposit (CDs) rates are at 3.29%, 36-Months 36-Month Certificate of Deposit (CDs) rates are at 3.29%, 36 to 48-Month rates are at 3.29%, 48-Months 48-Month Certificate of Deposit (CDs) rates are at 3.29%, 60-Months 60-Month Certificate of Deposit (CDs) rates are at 3.29%. 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 11.13%. Rates last updated and verified on 09/19/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.13%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The 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 Months
Min Balance $500 Details Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
36 month Certificate of Deposit (CDs)	3.25%	3.29%	36 Months
Min Balance $500 Details Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
36 to 48 Month	3.25%	3.29%	36 to 48 Month
Min Balance $500 Details Balance: $500.00 Minimum Balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
48 month Certificate of Deposit (CDs)	3.25%	3.29%	48 Months
Min Balance $500 Details Interest Compounded Quarterly; 12 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
60 month Certificate of Deposit (CDs)	3.25%	3.29%	60 Months
Min Balance $500 Details Interest Compounded Quarterly; 12 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
24 to 30 Month	3.20%	3.24%	24 to 30 Month
Min Balance $500 Details Balance: $500.00 Minimum Balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
18 Month Certificate of Deposit (CDs)	3.10%	3.14%	18 Month
Min Balance $500 Details Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
18 Month Fixed	3.10%	3.14%	18 Month Fixed
Min Balance $500 Details Balance: $500.00 Minimum Balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
24 Month Certificate of Deposit (CDs)	3.10%	3.14%	24 Month
Min Balance $500 Details Interest Compounded Quarterly; 6 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
12 Month Certificate of Deposit (CDs)	3.00%	3.03%	12 Month
Min Balance $500 Details Interest Compounded Quarterly; 3 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
6 Month Certificate of Deposit (CDs)	2.50%	2.53%	6 Month
Min Balance $500 Details Interest Compounded Quarterly; 3 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
3 Month Certificate of Deposit (CDs)	2.00%	2.02%	3 Month
Min Balance $500 Details Interest Paid at maturity; 3 Month Interest Penalty Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%

Fisher National Bank Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
Min Balance $5 Details Simple interest paid at club year end; Account is not eligible for regular withdrawals Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Regular Savings	0.50%	0.50%
Min Balance $100 Details Interest Compounded Quarterly; Account includes 15 free w/d per quarter. $1 service charge for each additional w/d in same quarter Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Prime Benefits and Foundation Club	0.15%	0.15%
Min Deposit $50 Details Interest paid monthly; No interest is paid if balance is less than $2,500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%

Fisher National Bank Money Market Rates

Product	Rate	APY
Money Market Plus	2.75%	2.79%
Min Balance $100,000 Details Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Money Market Plus	2.50%	2.53%
Min Balance $50,000 Details Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Money Market Plus	2.00%	2.02%
Min Balance $25,000 Details Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Money Market Plus	1.00%	1.01%
Min Balance $1,000 Details Interest paid monthly; Penalty of $15.00 if balance falls below $1,000.00; Transfers are limited to six per statement cycle Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%

Fisher National Bank Checking Rates

Product	Rate	APY
Rewards Checking	-	2.02%
Min Balance $0 Details Balance: Up to $20,000.00; ATM refunds up to $20.00 per cycle; Interest will be credited to your account monthly; No penalties if qualifications are not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Interest Checking	0.15%	0.15%
Min Deposit $500 Details Interest paid monthly; Penalty of $10.00 if balance falls below $500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Rewards Checking	-	0.10%
Min Balance $20,000 Details Balance: Excess balance over $20,000.00; ATM refunds up to $20.00 per cycle; Interest will be credited to your account monthly; No penalties if qualifications are not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%
Rewards Checking	-	0.05%
Details Balance: Qualifications not met; Interest will be credited to your account monthly; No penalties if qualifications are not met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%

Fisher National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Junior Account	0.50%	-	0.50%
Min Deposit $5 Details Interest Compounded Quarterly; Account includes 15 free w/d per quarter. $1 service charge for each additional w/d in same quarter Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.13%

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

Fisher National Bank’s Texas Ratio rose from 6.71% in Q3 2023 to 11.13% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.9 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$376M	11.13%	5.0	A
March 31, 2026	$369M	4.74%	5.0	A+
December 31, 2025	$364M	4.69%	5.0	A+
September 30, 2025	$365M	2.71%	5.0	A+
June 30, 2025	$348M	4.64%	5.0	A+
March 31, 2025	$335M	3.58%	5.0	A+
December 31, 2024	$337M	2.86%	5.0	A+
September 30, 2024	$346M	4.04%	5.0	A+
June 30, 2024	$343M	3.33%	5.0	A+
March 31, 2024	$337M	3.32%	5.0	A+
December 31, 2023	$334M	2.46%	5.0	A+
September 30, 2023	$332M	6.71%	4.9	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 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 19551118

FDIC Insurance Date 19551118

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

11.13%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6226%

Return on Equity (ROE) 17.7900%

Non-Performing Loans (NPL) 0.99%

Total Assets $375,520,000

Total Deposits $326,182,000

Equity Capital $33,505,000

Net Income $2,999,000

Headquarters Fisher

Total Branches and Offices 6

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Fisher National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/fisher-national-bank-rates-review-17513">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Fisher National Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Fisher National Bank

Frequently Asked Questions About Fisher National Bank

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.