What are the current interest rates at FNB Community Bank?

Current rates for FNB Community Bank include: 12-Month CD: 1.15%, 18-Month CD: 1.21%, 24-Month CD: 1.26%, 36-Month CD: 1.41%, 48-Month CD: 1.51%, Savings: 0.50%, MMA: 0.40%

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FNB Community Bank Rates & Review October 2026

Item: FNB Community Bank
Rating: 5
Author: fintech

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

FNB Community Bank's top rates as of October 12, 2026 are 1.51% APY on its 48-Month CD, 0.50% APY on savings, 0.40% APY on money market accounts, 5.00% APY on checking, and auto loans from 4.99% APR, according to rates verified by MonitorBankRates. Other FNB Community Bank CD rates include 36-Month CD at 1.41%, 30-Month CD at 1.31%, and 24-Month CD at 1.26%. MonitorBankRates evaluates the financial stability of FNB Community Bank with a 4.5 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.65%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

Solid Health Score: 84/100

MonitorBankRates Rating

4.5

Excellent Out of 5.0 Stars

Texas Ratio

21.65%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

FNB Community Bank

2911 S Air Depot Blvd
Midwest City, OK 73110

https://www.fnbmwc.com

Customer Reviews

5.0 ★ 1 review

Write a Review

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.

FNB Community Bank CD Rates

Product	Rate	APY	Term
48 Month CD	1.50%	1.51%	48 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.36% → 1.51% ▲ 0.15 pts · high 1.51% / low 1.36% Oct 3, 20261.51%▲ from 1.36% Sep 14, 20261.36%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
36 Month CD	1.40%	1.41%	36 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.31% → 1.41% ▲ 0.10 pts · high 1.41% / low 1.31% Oct 3, 20261.41%▲ from 1.31% Sep 14, 20261.31%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
30 Month CD	1.30%	1.31%	30 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.26% → 1.31% ▲ 0.05 pts · high 1.31% / low 1.26% Oct 3, 20261.31%▲ from 1.26% Sep 14, 20261.26%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
24 Month CD	1.25%	1.26%	24 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.21% → 1.26% ▲ 0.05 pts · high 1.26% / low 1.21% Oct 3, 20261.26%▲ from 1.21% Sep 14, 20261.21%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
18 Month CD	1.20%	1.21%	18 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.21% ▲ 0.06 pts · high 1.21% / low 1.15% Oct 3, 20261.21%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
12 Month CD	1.15%	1.15%	12 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.00% → 1.15% ▲ 0.15 pts · high 1.15% / low 1.00% Oct 3, 20261.15%▲ from 1.00% Sep 14, 20261.00%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
6 Month CD	1.00%	1.00%	6 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.90% → 1.00% ▲ 0.10 pts · high 1.00% / low 0.90% Oct 3, 20261.00%▲ from 0.90% Sep 14, 20260.90%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
3 Month CD	0.90%	0.90%	3 Month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.80% → 0.90% ▲ 0.10 pts · high 0.90% / low 0.80% Oct 3, 20260.90%▲ from 0.80% Sep 14, 20260.80%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

FNB Community Bank Savings Rates

Product	Rate	APY
Eagle Kids Savings Club	0.50%	0.50%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Regular Savings	0.50%	0.50%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

FNB Community Bank Money Market Rates

Product	Rate	APY	View More
Money Market Account	0.40%	0.40%
Min Deposit $10,000 Min Balance $0 Details Balance: $0.01 - $10,000.00 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 0.26% → 0.40% ▲ 0.14 pts · high 0.40% / low 0.26% Oct 3, 20260.40%▲ from 0.26% Sep 14, 20260.26%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

FNB Community Bank Checking Rates

Product	Rate	APY
Rewards Checking	4.89%	5.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $10,000 Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 5.00% APY · checked 6 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Rewards Checking	-	5.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00; 5.00% to .50% APY on balances over $10,000 depending on balance; 0.01% APY if qualifications aren't met; Up to $15 monthly ATM fee reimbursement; Rates may change after account is opened. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 3 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Student Checking	-	5.00%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Personalize your debit card; Easily transfer money from parent to teen and reverse; Free checking that pays high interest; Financial literacy built into mobile app; Up to $15 monthly ATM fee reimbursement; Rates may change after account is opened. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 5.00% APY · checked 2 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Student Checking	-	5.00%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: At least 1 direct deposit or ACH payment transaction; At least 12 debit card purchases; Be enrolled in and agree to receive eStatements; Qualifying balance up to $10,000.00; 0.50% interest rate on portion of balance over $10,000, resulting in 5.00% - .50% APY depending on the balance; Domestic ATM fees incurred during qualification cycle will be reimbursed up to $15 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; Fees may reduce earnings. ATM fees ($4.99 or below) generated by Automated Teller Machines located within the United States will be refunded (up to $15) when the qualifications are met each cycle. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
NOW Checking	0.50%	0.50%
Min Deposit $1,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Rewards Checking	0.01%	0.01%
Details All balances if qualifications not met Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

FNB Community Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	4.99%
Details As Low As; It's easier in a vehicle that'll take you there. Plus, you can get a rate as low as 4.99% APR.* Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

FNB Community Bank Other Rates

Product	Rate	Points	APY/APR
Individual Retirement Account	1.20%	-	1.21%
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.21% ▲ 0.06 pts · high 1.21% / low 1.15% Oct 3, 20261.21%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%
Senior Opportunities	0.50%	-	0.50%
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.5 Star Rating B Health Grade ◈ Texas Ratio: 21.65%

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

FNB Community Bank’s Texas Ratio rose from 17.57% in Q3 2023 to 21.65% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.1 to 4.5 and its Health Grade from B- to B. 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	$480M	21.65%	4.5	B
March 31, 2026	$496M	22.65%	4.4	B-
December 31, 2025	$475M	22.95%	4.3	B-
September 30, 2025	$471M	22.43%	4.4	B-
June 30, 2025	$474M	21.41%	4.5	B
March 31, 2025	$482M	20.04%	4.6	B
December 31, 2024	$447M	23.87%	4.3	B-
September 30, 2024	$464M	27.67%	3.9	C
June 30, 2024	$509M	33.84%	3.4	D
March 31, 2024	$515M	32.91%	3.3	D
December 31, 2023	$508M	3.96%	4.9	A+
September 30, 2023	$495M	17.57%	4.1	B-

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 FNB Community 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 FNB Community 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 FNB Community Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB Community Bank

Bank Holding Company FIRST MIDWEST ACQUISITION CORP

Address 2911 S Air Depot Blvd, Midwest City, OK 73110 · Oklahoma

Website https://www.fnbmwc.com

FDIC Certificate # 16127

Established 19430601

FDIC Insurance Date 19440304

Domestic Offices 7

Total Branches 7

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 84/100

4.5

Excellent Out of 5.0 Stars

21.65%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1374%

Return on Equity (ROE) 11.9300%

Non-Performing Loans (NPL) 1.49%

Total Assets $480,189,000

Total Deposits $430,264,000

Equity Capital $46,411,000

Net Income $2,752,000

Headquarters Midwest City

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

fintech

★★★★★

November 18, 2023

FNB Community Bank offers competitive interest rates on savings and checking accounts.

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About FNB Community Bank

How many branches does FNB Community Bank operate?

FNB Community Bank currently maintains approximately 7 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, FNB Community 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, FNB Community Bank provides members with tools to manage their accounts and build a solid financial history.

Does FNB Community Bank offer online and mobile banking?

Most modern institutions like FNB Community 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.fnbmwc.com.