What are the current interest rates at Flanagan State Bank?

Current rates for Flanagan State Bank include: 12-Month CD: 2.37%, 18-Month CD: 2.41%, 24-Month CD: 2.44%, 36-Month CD: 2.49%, 60-Month CD: 2.52%, Savings: 0.05%, MMA: 0.22%

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Flanagan State Bank

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Flanagan State Bank Rates & Review September 2026

Q: How many branches does Flanagan State Bank operate?

Flanagan State Bank currently maintains approximately 15 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, Flanagan State 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, Flanagan State 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

Flanagan State Bank's 60-Month Standard Certificates of Deposit rates are at 2.52%, IRA Certificate 60-Month rates are at 2.52%, 1-Month Standard Certificates of Deposit rates are at 2.50%, 36-Month Standard Certificates of Deposit rates are at 2.50%, IRA Certificate 36-Month rates are at 2.49%. Flanagan State Bank's savings rates are at 0.05%. Flanagan State Bank's money market rates are at 0.22%. MonitorBankRates evaluates the financial stability of Flanagan State Bank with a 4.7 Star Rating, an A Overall Health Grade, and a Texas Ratio of 2.58%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

2.58%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Flanagan State Bank

301 W Falcon Hwy
Flanagan, IL 61740

https://www.flanaganstatebank.com

Flanagan State Bank CD Rates

Product	Rate	APY	Term
60 Month Standard Certificates of Deposit	2.50%	2.52%	60 Month
Min Deposit $1,000 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
IRA Certificate 60 Month	2.50%	2.52%	60 Month
Min Deposit $500 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
1 Month Standard Certificates of Deposit	2.48%	2.50%	1 Month
Min Deposit $50,000 Details Interest Frequency: 1 Month; Early Withdrawal Penalty: 30 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
36 Month Standard Certificates of Deposit	2.48%	2.50%	36 Month
Min Deposit $1,000 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
IRA Certificate 36 Month	2.47%	2.49%	36 Month
Min Deposit $500 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
24 Month Standard Certificates of Deposit	2.43%	2.44%	24 Month
Min Deposit $1,000 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
IRA Certificate 24 Month	2.43%	2.44%	24 Month
Min Deposit $500 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
12 Month Standard Certificates of Deposit	2.40%	2.42%	12 Month
Min Deposit $500 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
18 Month Standard Certificates of Deposit	2.39%	2.41%	18 Month
Min Deposit $5,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 182 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Variable** IRA Certificate Variable	2.36%	2.38%	Variable**
Min Deposit $100 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 30 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
IRA Certificate 12 Month	2.36%	2.37%	12 Month
Min Deposit $500 Details Interest Frequency: 6 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
9 Month Standard Certificates of Deposit	2.32%	2.34%	9 Month
Min Deposit $5,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
6 Month Standard Certificates of Deposit	2.25%	2.27%	6 Month
Min Deposit $1,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit	1.83%	1.84%	3 Month
Min Deposit $5,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%

Flanagan State Bank Savings Rates

Product	Rate	APY	View More
Regular Savings	0.05%	0.05%
Min Deposit $50 Details Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%

Flanagan State Bank Money Market Rates

Product	Rate	APY
Money Market	0.65%	0.65%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 and Over; Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Money Market	0.35%	0.35%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Money Market	0.22%	0.22%
Min Deposit $2,500 Min Balance $0 Details Balance: Less than $10,000.00; Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%

Flanagan State Bank Checking Rates

Product	Rate	APY
Premier Business Checking	1.49%	1.50%
Min Deposit $10,000 Details Balance: $50,000 and Over Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Premier Business Checking	0.50%	0.50%
Min Deposit $10,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Premier Business Checking	0.25%	0.25%
Min Deposit $10,000 Details Balance: $10,000 - $24,99.99 Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
HSA Checking	0.15%	0.15%
Min Deposit $25 Details Minimum: $25 minimum opening deposit + $20 setup fee; Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Interest Checking	0.05%	0.05%
Min Deposit $1,000 Details Interest Frequency: Monthly; Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%

Flanagan State Bank Other Rates

Product	Rate	Points	APY/APR	Term
Kasasa Cash Checking	1.60%	-	1.60%
Min Deposit $50 Details Qualifications Required: Qualifications Required;; Balances up to $10,000.00 (when qualifications are met) Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Kasasa Cash Checking	0.03%	-	0.03%
Min Deposit $50 Details All balances if qualifications are not met Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Large Depositor Special	3.48%	-	3.50%	250 day
Min Deposit $50,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Large Depositor Special	3.65%	-	3.70%	250 Day
Min Deposit $100,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Large Depositor Special	3.80%	-	3.85%	250 Day
Min Deposit $250,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Relationship Special	3.80%	-	3.85%	250 Day
Min Deposit $10,000 Details Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%
Youth Achievement Account	0.25%	-	0.25%
Min Deposit $0 Details Early Withdrawal Penalty: Last Updated 09/19/2026 Institution Ratings 4.7 Star Rating A Health Grade ◈ Texas Ratio: 2.58%

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

Flanagan State Bank’s Texas Ratio fell from 10.36% in Q3 2023 to 2.58% 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 1.4 to 4.7 and its Health Grade from F to A. 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	$300M	2.58%	4.7	A
March 31, 2026	$313M	1.82%	4.5	A
December 31, 2025	$312M	1.67%	4.4	A-
September 30, 2025	$310M	6.51%	4.1	B+
June 30, 2025	$308M	9.93%	3.2	C
March 31, 2025	$303M	11.05%	2.9	C
December 31, 2024	$295M	4.88%	2.7	C
September 30, 2024	$297M	6.28%	3.5	B-
June 30, 2024	$293M	8.03%	2.5	C-
March 31, 2024	$282M	13.75%	2.6	D
December 31, 2023	$281M	4.34%	2.8	C
September 30, 2023	$274M	10.36%	1.4	F

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 Flanagan State 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 Flanagan State 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 Flanagan State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Flanagan State Bank

Bank Holding Company HOMETOWN FINANCIAL GROUP INC

Address 301 W Falcon Hwy, Flanagan, IL 61740 · Livingston

Website https://www.flanaganstatebank.com

FDIC Certificate # 11734

Established 19130101

FDIC Insurance Date 19340101

Domestic Offices 15

Total Branches 15

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

4.7

Excellent Out of 5.0 Stars

2.58%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3459%

Return on Equity (ROE) 5.3100%

Non-Performing Loans (NPL) 0.14%

Total Assets $300,267,000

Total Deposits $276,998,000

Equity Capital $20,070,000

Net Income $534,000

Headquarters Flanagan

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Flanagan State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Flanagan State Bank

How many branches does Flanagan State Bank operate?

Flanagan State Bank currently maintains approximately 15 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, Flanagan State 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, Flanagan State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Flanagan State Bank offer online and mobile banking?

Most modern institutions like Flanagan State 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.flanaganstatebank.com.