Flanagan State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 4.06%, 6-month CD rates at 2.25% and 3-month CD rates at 2.65%. Current savings rates are at 0.01% and money market rates are at 0.46%. Mortgage rates today on 30-year fixed loans are around 6.72%. Credit Card rates are at 17.20%. Personal Loan rates are at 12.15%. All these rates, and more, can be found in our database of rates. Flanagan State Bank's 12-Month CD rates are at 2.25%, 60-Month CD rates are at 2.10%, 36-Month CD rates are at 2.10%, 24-Month CD rates are at 2.10%, 18-Month CD rates are at 1.97%. Flanagan State Bank's savings rates are at 0.05%. Flanagan State Bank's money market rates are at 0.22%.

Flanagan State Bank

To see how these rates compare to Flanagan State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Flanagan State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Flanagan State Bank CD rates. You can also compare Flanagan State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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.

Flanagan State Bank Texas Ratio

Flanagan State Bank's Texas Ratio is at 13.05%, which is considered excellent. The Texas Ratio for Flanagan State Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Flanagan State Bank is a good bank worth considering, with an overall rating of 3 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
2.25%
18-Month CD
1.97%
24-Month CD
2.10%
36-Month CD
2.10%
48-Month CD
N/A
60-Month CD
2.10%
Savings
0.05%
MMA
0.22%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Flanagan State Bank
301 W Falcon Hwy
Flanagan, IL 61740
Member FDIC
MonitorBankRates' Rating
3/5
★★★☆☆

Flanagan State Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
Flanagan State Bank
Flanagan State Bank
12-Month CD
2.25%
$500
Flanagan State Bank
Flanagan State Bank
60-Month CD
2.10%
$1,000
Flanagan State Bank
Flanagan State Bank
36-Month CD
2.10%
$1,000
Flanagan State Bank
Flanagan State Bank
24-Month CD
2.10%
$1,000
Flanagan State Bank
Flanagan State Bank
18-Month CD
1.97%
$5,000
Flanagan State Bank
Flanagan State Bank
Money Market
0.22%
$2,500
Flanagan State Bank
Flanagan State Bank
Regular Savings
0.05%
$50
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Flanagan State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Atkins Savings B&T
Atkins Savings B&T
6-Month CD
4.30%
$1,000
Stearns Bank Holdingford
Stearns Bank Holdingford
9-Month CD
4.23%
$500
OWB One World Bank
OWB One World Bank
12-Month CD (Jumbo)
4.10%
$1,000
The Fountain Trust Company
The Fountain Trust Company
6-Month CD
4.00%
$50,000
TAB Bank
TAB Bank
36-Month CD
3.91%
$1,000
Table Rock Community Bank
Table Rock Community Bank
6-Month CD
3.87%
$1,000
Enterprise Bank Allison Park, PA
Enterprise Bank Allison Park, PA
48-Month CD
3.87%
$500
ABCO Federal Credit Union
ABCO Federal Credit Union
36-Month CD
3.82%
$1,000
Acadia Federal Credit Union
Acadia Federal Credit Union
24-Month CD
3.75%
$1,000
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
36-Month CD
3.70%
$5,000
Yampa Valley Bank
Yampa Valley Bank
12-Month CD
3.50%
$1,000
Schaumburg Bank & Trust Company
Schaumburg Bank & Trust Company
23-Month CD
3.50%
$1,000
Nebraska State Bank and Trust Company
Nebraska State Bank and Trust Company
12-Month CD
3.49%
$500
Haviland State Bank
Haviland State Bank
24-Month CD
3.30%
$500
Community Bank of Pleasant Hill
Community Bank of Pleasant Hill
36-Month CD (IntraFi®)
3.28%
$10,000
Murray Bank
Murray Bank
12-Month CD
3.25%
$1,000
Security Federal Bank
Security Federal Bank
18-Month CD
3.25%
$500
AVB Bank
AVB Bank
24-Month CD
3.12%
$2,500
Adrian Bank
Adrian Bank
3-Month CD
3.03%
$1,000
Campbell & Fetter Bank
Campbell & Fetter Bank
60-Month CD
3.03%
$1,000
Kirkwood Bank & Trust Co.
Kirkwood Bank & Trust Co.
30-Month CD
3.00%
$2,500
Port Richmond Savings
Port Richmond Savings
12-Month CD
2.75%
$500
PCB Payne County Bank
PCB Payne County Bank
36-Month CD
2.75%
$1,000
The Bank of Landisburg
The Bank of Landisburg
48-Month CD
2.62%
$1,000
TTNB Turbotville Bank
TTNB Turbotville Bank
60-Month CD
2.52%
$500
Union Federal S&L
18-Month CD
2.52%
$200
OneLocal Bank
OneLocal Bank
High Yield Money Market
2.50%
$25
First State Bank Nebraska
First State Bank Nebraska
48-Month CD
2.50%
$5,000
Root River State Bank
Root River State Bank
48-Month CD
2.10%
$300
The National Capital Bank of Washington
The National Capital Bank of Washington
Premium Money Market
1.87%
$1,000,000
First State Bank of Porter
First State Bank of Porter
24-Month CD (Jumbo)
1.81%
$100,000
BankNewport
BankNewport
Premium Money Market
1.75%
$250,000
Mid-Missouri Bank
Mid-Missouri Bank
Kasasa Savings
1.00%
$100
PeopleFirst Bank
PeopleFirst Bank
24-Month CD
1.00%
$2,500
MCS Bank
MCS Bank
48-Month CD
0.60%
$1,000
The Wilmington Savings Bank
The Wilmington Savings Bank
36-Month CD
0.50%
$500
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
48-Month CD
0.45%
$1,000
Fidelity Federal S&L of Delaware
Fidelity Federal S&L of Delaware
24-Month CD
0.45%
$500
Itasca Bank & Trust Co.
Itasca Bank & Trust Co.
Personal Money Market
0.45%
$2,500
Century Bank and Trust GA
Century Bank and Trust GA
18-Month CD
0.45%
$500
Mascoma Bank
Mascoma Bank
Money Market
0.30%
$1,000
Bank Northwest
Bank Northwest
Northwest Legacy Money Market
0.25%
$2,500
United Southern Bank
United Southern Bank
48-Month CD
0.25%
$1,000
Northwoods Bank of Minnesota
Northwoods Bank of Minnesota
Money Market
0.22%
$1,000
Marion Center Bank
Marion Center Bank
18-Month CD
0.10%
$1,000
WSB Municipal Bank
WSB Municipal Bank
Money Market
0.10%
$1,000
Adirondack Trust Company
Adirondack Trust Company
Statement Savings
0.05%
$50
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Regular Savings
0.05%
$5
Citizens State Bank Hudson, WI
Citizens State Bank Hudson, WI
Savings
0.04%
$0
Vibrant Credit Union
Vibrant Credit Union
18-Month CD
0.01%
$5
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 23, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5-Year ARM Jumbo
5.250%
4.753%
0.000
5.560%
5.250%
0.000
15-Year Fixed
5.250%
5.385%
0.750
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
4.750%
5.507%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.375%
5.633%
0.000
15-Year Fixed Jumbo
5.625%
5.651%
0.000
5.500%
5.654%
0.000
5.375%
5.677%
1.125
15-Year Fixed
5.625%
5.681%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Flanagan State Bank Information

Flanagan State Bank
301 W Falcon Hwy
Flanagan, IL 61740
Livingston
Established Date: 01/01/1913
FDIC Certificate #: 11734
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: HOMETOWN FINANCIAL GROUP INC
How Many Domestic U.S. Offices? 15
How Many Branches are There? 15
Is Flanagan State Bank FDIC Insured? Yes
What is Flanagan State Bank's Cert number? 11734
What is the maximum amount for insured deposits? $250,000 per holder, per account

Flanagan State Bank Financials

Total Assets:
$281,695,000
Total Deposits:
$260,327,000
Equity Capital:
$12,910,000
Domestic Deposits:
$260,327,000
Net Income:
$228,000
Return on Assets:
0.1103%
Quarterly Return on Assets:
0.3200%
Pretax Return on Assets:
0.3258%
Pretax Quarterly Return on Assets:
0.3300%
Return on Equity:
2.6600%
Quarterly Return on Equity:
6.9400%
Leverage Tier 1 (Core Capital) Ratio:
9.1747%
Total Interest Income (YTD):
3.8870%
 
 
Headquarters:
Flanagan
FDIC Field Office:
Champaign
Regulator:
FDIC
County:
Livingston
# of Offices:
15
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

The average CD rate is darn right dismal and has been for awhile now. CD rates were expected to start headed higher in 2010 but that might not happen until 2011. There has been a slew of poor economic numbers released recently that is pointing to a slowing economy.
ableBanking CD Rates were recently increased and are some of the top CD rates currently available. 1 year CD rates at ableBanking are at 2.67 percent with an APY of 2.70 percent. 2 year CD rates at ableBanking are even higher at 2.76 percent with an APY of 2.80 percent. The minimum opening deposit for both CD account is only $1,000. Compare ableBanking CD Rates with other bank CD rates below.

Mortgage rates hit fresh lows this past week with the exception of 15 year mortgage rates. 30 year mortgage rates and 5 year adjustable mortgage rates have all hit all time lows in Freddie Mac’s Primary Mortgage Market Survey released yesterday. 30 year fixed conforming mortgage rates down to 4.57 percent for the week ending July 8, 2010, a slight decline from the previous week’s average 30 year mortgage rate of 4.58 percent. Average mortgage discount points on 30 year mortgages remained unchanged at 0.7 points.

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