What are the current interest rates at FNBO Direct?

Current rates for FNBO Direct include: Savings: 3.00%, MMA: 3.25%

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FNBO Direct Rates & Review August 2026

Item: FNBO Direct
Rating: 2338
Author: WhdE

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 30, 2026

FNBO Direct's savings rates are at 3.00%. FNBO Direct's money market rates are at 3.25%. MonitorBankRates evaluates the financial stability of FNBO Direct with a 1.0 Star Rating and an D Overall Health Grade. Rates last updated and verified on 08/30/2026.

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

Overall Health & Safety Grade

Weak Health Score: 60/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

No Data No data

FNBO Direct Savings Rates

Product	Rate	APY
High-Yield Online Savings Account	2.96%	3.00%
Min Deposit $0 Min Balance $0 Details Annual Percentage Yield is accurate as of 10-01-2025 and is subject to change after that date. Rates may also change after the account is opened. Fees may reduce earnings. Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade
Online Savings Account	2.96%	3.00%
Details Interest is compounded and credited monthly. Rate and APY are accurate as of 10-01-2025 and subject to change. Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade

FNBO Direct Money Market Rates

Product	Rate	APY
Online Money Market Account	3.49%	3.55%
Min Balance $500,000 Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade
Online Money Market Account	3.40%	3.45%
Min Balance $100,000 Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade
Online Money Market Account	3.30%	3.35%
Min Balance $25,000 Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade
Online Money Market Account	3.20%	3.25%
Min Balance $0 Last Updated 08/30/2026 Institution Ratings 1.0 Star Rating D Health Grade

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 FNBO Direct 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 FNBO Direct 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 FNBO Direct's official website for the most current offers and terms.

Customer Reviews

WhdE

★★★★★

December 17, 2025

sowV

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About FNBO Direct

How many branches does FNBO Direct operate?

FNBO Direct currently maintains approximately multiple 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, FNBO Direct 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, FNBO Direct provides members with tools to manage their accounts and build a solid financial history.

Does FNBO Direct offer online and mobile banking?

Most modern institutions like FNBO Direct 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.fnbodirect.com.