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Forward Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 6, 2026
Forward Bank's 3D-CD (19-Month) rates are at 4.50%, 3D-CD (30-Month) rates are at 4.50%, 3D-CD (40-Month) rates are at 4.50%, 13-Month CD rates are at 4.25%, 6-Month CD rates are at 4.25%. Forward Bank's savings rates are at 0.30%. Forward Bank's money market rates are at 1.61%. Forward Bank's checking rates are as high as 3.03%. Forward Bank's top CD rate of 4.50% APY on a 19 month CD is 53% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Forward Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.26%. Rates last updated and verified on 11/06/2026.
Forward 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 Forward Bank? Share your experience about Forward Bank by leaving a review below, or read customer reviews before you decide to use Forward Bank.
Forward Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Forward Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.26%
ExcellentLower than avg
Forward Bank Texas Ratio
Forward Bank's Texas Ratio is 2.26%, which is considered excellent and is lower than the national average of 5.85%.
Forward Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.17% to 2.26% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Forward Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
3D-CD (19-Month)
4.43%
4.50%
19 months
$1,000
Min Deposit$1,000
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Oct 3, 2026 · 4.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3D-CD (19-Month)
4.43%
4.50%
19 months
$1,000
Min Deposit$1,000
Min Balance$25,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
Sep 24, 20264.50%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3D-CD (30-Month)
4.43%
4.50%
30 months
$1,000
Min Deposit$1,000
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 4.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3D-CD (30-Month)
4.43%
4.50%
30 months
$1,000
Min Deposit$1,000
Min Balance$25,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.01% → 4.50% ▲ 0.49 pts · high 4.50% / low 4.01%
Sep 24, 20264.50%▲ from 4.01%
Sep 14, 20264.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3D-CD (40-Month)
4.43%
4.50%
40 months
$1,000
Min Deposit$1,000
Min Balance$500
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
Sep 24, 20264.50%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3D-CD (40-Month)
4.43%
4.50%
40 months
$1,000
Min Deposit$1,000
Min Balance$5,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
Sep 24, 20264.50%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
13-Month CD
4.19%
4.25%
13 months
$5,000
Min Deposit$5,000
Min Balance$5,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 24, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
6-Month CD
4.19%
4.25%
6 months
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 24, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
6-Month CD
4.19%
4.25%
6 months
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 24, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
6-Month CD
4.19%
4.25%
6 months
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 24, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
9-Month CD
4.19%
4.25%
9 months
$5,000
Min Deposit$5,000
Min Balance$5,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Sep 24, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
9-Month IRA CD
4.19%
4.25%
9 months
$5,000
Min Deposit$5,000
Min Balance$5,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
Oct 3, 20264.25%▲ from 4.00%
Sep 14, 20264.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year CD
2.15%
2.17%
5 years
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year IRA CD
2.15%
2.17%
5 years
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.17% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year CD
2.10%
2.12%
5 years
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year IRA CD
2.10%
2.12%
5 years
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.12% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year CD
2.05%
2.06%
5 years
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.06% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
5-Year IRA CD
2.05%
2.06%
5 years
$500
Min Deposit$500
Min Balance$100
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 2.06% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
4-Year CD
1.90%
1.91%
4 years
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.91% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
4-Year CD
1.85%
1.86%
4 years
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.86% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
4-Year CD
1.80%
1.81%
4 years
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.81% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year CD
1.65%
1.66%
3 years
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year IRA CD
1.65%
1.66%
3 years
$100
Min Deposit$100
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.66% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year CD
1.60%
1.61%
3 years
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year IRA CD
1.60%
1.61%
3 years
$100
Min Deposit$100
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.61% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year CD
1.55%
1.56%
3 years
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
3-Year IRA CD
1.55%
1.56%
3 years
$100
Min Deposit$100
Min Balance$100
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
18-Month IRA CD
1.40%
1.41%
18 months
$100
Min Deposit$100
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
2-Year CD
1.40%
1.41%
2 years
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.41% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
18-Month IRA CD
1.35%
1.36%
18 months
$100
Min Deposit$100
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
2-Year CD
1.35%
1.36%
2 years
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.36% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
18-Month IRA CD
1.30%
1.31%
18 months
$100
Min Deposit$100
Min Balance$100
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
2-Year CD
1.30%
1.31%
2 years
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.31% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year CD
1.15%
1.15%
1 year
$500
Min Deposit$500
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year IRA CD
1.15%
1.15%
1 year
$100
Min Deposit$100
Min Balance$25,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year CD
1.10%
1.10%
1 year
$500
Min Deposit$500
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year IRA CD
1.10%
1.10%
1 year
$100
Min Deposit$100
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year CD
1.05%
1.05%
1 year
$500
Min Deposit$500
Min Balance$500
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
1-Year IRA CD
1.05%
1.05%
1 year
$100
Min Deposit$100
Min Balance$100
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Forward Bank Savings Rates
Product
Rate
APY
View More
IRA Savings
0.30%
0.30%
Min Deposit$0
Min Balance$0
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Future Savers
0.05%
0.05%
Min Deposit$0
Min Balance$100
DetailsRates could change after account is opened.
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Future Savers
0.05%
0.05%
Min Deposit$0
Min Balance$2,500
DetailsRates could change after account is opened.
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Health Savings Account
0.05%
0.05%
Min Deposit$0
Min Balance$0
DetailsMinimum to Earn APY: $0; Rates could change after account is opened
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Health Savings Account
0.05%
0.05%
Min Deposit$0
Min Balance$2,500
DetailsMinimum to Earn APY: $2,500; Rates could change after account is opened
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Statement Savings
0.05%
0.05%
Min Deposit$0
Min Balance$100
DetailsMinimum to Earn APY: $100; Rates could change after account is opened
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Statement Savings
0.05%
0.05%
Min Deposit$0
Min Balance$2,500
DetailsMinimum to Earn APY: $2,500; Rates could change after account is opened
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Student Savings
0.05%
0.05%
Min Deposit$0
Min Balance$100
DetailsRates could change after account is opened.
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Student Savings
0.05%
0.05%
Min Deposit$0
Min Balance$2,500
DetailsRates could change after account is opened.
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Forward Bank Money Market Rates
Product
Rate
APY
View More
BCMMA
1.60%
1.61%
Min Deposit$0
Min Balance$1,000,000
DetailsMoney Market Account; Minimum to Earn APY: $1,000,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
Sep 19, 20261.61%▲ from 1.36%
Sep 14, 20261.36%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
CMMA
1.60%
1.61%
Min Deposit$0
Min Balance$1,000,000
DetailsMoney Market Account; Minimum to Earn APY: $1,000,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
Sep 19, 20261.61%▲ from 1.36%
Sep 14, 20261.36%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
BCMMA
1.45%
1.46%
Min Deposit$0
Min Balance$250,000
DetailsMoney Market Account; Minimum to Earn APY: $250,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.20% → 1.46% ▲ 0.26 pts · high 1.46% / low 1.20%
Sep 19, 20261.46%▲ from 1.20%
Sep 14, 20261.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
CMMA
1.45%
1.46%
Min Deposit$0
Min Balance$250,000
DetailsMoney Market Account; Minimum to Earn APY: $250,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 1.20% → 1.46% ▲ 0.26 pts · high 1.46% / low 1.20%
Sep 19, 20261.46%▲ from 1.20%
Sep 14, 20261.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
BCMMA
1.10%
1.11%
Min Deposit$0
Min Balance$100,000
DetailsMoney Market Account; Minimum to Earn APY: $100,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.85% → 1.11% ▲ 0.26 pts · high 1.11% / low 0.85%
Sep 19, 20261.11%▲ from 0.85%
Sep 14, 20260.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
CMMA
1.10%
1.11%
Min Deposit$0
Min Balance$100,000
DetailsMoney Market Account; Minimum to Earn APY: $100,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.85% → 1.11% ▲ 0.26 pts · high 1.11% / low 0.85%
Sep 19, 20261.11%▲ from 0.85%
Sep 14, 20260.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
BCMMA
0.95%
0.95%
Min Deposit$0
Min Balance$50,000
DetailsMoney Market Account; Minimum to Earn APY: $50,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.70% → 0.95% ▲ 0.25 pts · high 0.95% / low 0.70%
Sep 19, 20260.95%▲ from 0.70%
Sep 14, 20260.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
CMMA
0.95%
0.95%
Min Deposit$0
Min Balance$50,000
DetailsMoney Market Account; Minimum to Earn APY: $50,000
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.70% → 0.95% ▲ 0.25 pts · high 0.95% / low 0.70%
Sep 19, 20260.95%▲ from 0.70%
Sep 14, 20260.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
BCMMA
0.60%
0.60%
Min Deposit$0
Min Balance$100
DetailsMoney Market Account; Minimum to Earn APY: $100
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.35% → 0.60% ▲ 0.25 pts · high 0.60% / low 0.35%
Sep 19, 20260.60%▲ from 0.35%
Sep 14, 20260.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
CMMA
0.60%
0.60%
Min Deposit$0
Min Balance$100
DetailsMoney Market Account; Minimum to Earn APY: $100
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.35% → 0.60% ▲ 0.25 pts · high 0.60% / low 0.35%
Sep 19, 20260.60%▲ from 0.35%
Sep 14, 20260.35%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Forward Bank Checking Rates
Product
Rate
APY
View More
Momentum Checking
3.00%
3.03%
Min Deposit$0
Min Balance$0
DetailsRequirements are met; Balance: $0 - $15,000.00; APY paid on balances up to and including $15,000.00
Last Updated11/06/2026
Rate History
1 change since Sep 14, 2026 · 0.01% → 3.03% ▲ 3.02 pts · high 3.03% / low 0.01%
Sep 19, 20263.03%▲ from 0.01%
Sep 14, 20260.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Non-Profit Checking
0.05%
0.05%
Min Deposit$0
Min Balance$0
DetailsBalance: $0
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Forward Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Premium Fast Forward
0.05%
-
0.05%
Min Deposit$0
Min Balance$0
DetailsBalance: $0 - $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Premium Fast Forward
0.10%
-
0.10%
Min Deposit$0
Min Balance$100,000
DetailsBalance: $100,000 and over
Last Updated11/06/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.26%
Financial Health History
Forward Bank’s Texas Ratio stayed near 2.17% in Q3 2023 to 2.26% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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
$1.3B
2.26%
5.0
A+
March 31, 2026
$1.2B
2.53%
5.0
A+
December 31, 2025
$1.2B
3.21%
5.0
A+
September 30, 2025
$1.1B
3.16%
5.0
A+
June 30, 2025
$1.1B
3.27%
5.0
A+
March 31, 2025
$1.1B
2.98%
5.0
A+
December 31, 2024
$1.1B
3.64%
5.0
A+
September 30, 2024
$1.1B
2.15%
5.0
A+
June 30, 2024
$1.1B
1.79%
5.0
A+
March 31, 2024
$1.0B
1.68%
5.0
A+
December 31, 2023
$990M
1.14%
5.0
A+
September 30, 2023
$964M
2.17%
5.0
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 Forward 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 Forward 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 Forward Bank's official website for the most current offers and terms.
Address
1001 N Central Ave,
Marshfield, WI 54449 · Wood
Bank Holding CompanyFORWARD MUTUAL HOLDING CO
FDIC Certificate #28530
RegulatorFDIC
EstablishedJanuary 1, 1919
FDIC Insurance DateAugust 9, 1989
Domestic Offices15
Total Branches15
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.26%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.8972%
Return on Equity (ROE)
9.6800%
Non-Performing Loans Ratio (NPL)
0.21%
Total Assets
$1,283,079,000
Total Deposits
$1,036,932,000
Equity Capital
$118,745,000
Net Income
$5,486,000
Headquarters
Marshfield
Total Branches and Offices
15
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Forward 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Forward Bank
Frequently Asked Questions About Forward Bank
Does Forward Bank offer CDs?
Yes. Forward Bank current CD rates include its 3D-CD (19-Month) at 4.50% APY, its 3D-CD (30-Month) at 4.50% APY and its 3D-CD (40-Month) at 4.50% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Forward Bank FDIC insured?
Yes. Forward Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Forward Bank?
The highest Forward Bank CD rate is its 3D-CD (19-Month) at 4.50% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Forward Bank offer?
Forward Bank CD rates are 4.25% APY for a 6 month CD, 1.05% APY for a 12 month CD, 4.25% APY for a 13 month CD, 1.31% APY for an 18 month CD, 4.50% APY for a 19 month CD, 1.31% APY for a 2 year CD, 4.50% APY for a 30 month CD, 1.56% APY for a 3 year CD, 4.50% APY for a 40 month CD, 1.81% APY for a 4 year CD and 2.06% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Forward Bank for its full lineup.
What is the highest savings rate at Forward Bank?
The highest Forward Bank savings rate is its IRA Savings at 0.30% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Forward Bank?
The highest Forward Bank checking rate is its Momentum Checking at 3.03% APY, verified by MonitorBankRates as of November 6, 2026.
How many branches does Forward Bank operate?
Forward 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, Forward 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, Forward Bank provides members with tools to manage their accounts and build a solid financial history.
Does Forward Bank offer online and mobile banking?
Most modern institutions like Forward 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.forward.bank.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Forward Bank rates compare?
Forward Bank's top CD rate of 4.50% APY on a 19 month CD is 53% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Forward Bank's top rates are its 19-Months 3D-CD (19-Month) at 4.50% APY, its IRA Savings at 0.30% APY, its BCMMA at 1.61% APY and its Momentum Checking at 3.03% APY, verified by MonitorBankRates on November 6, 2026.
Current Forward Bank Rates
12-Month CD1.05%
18-Month CD1.31%
24-Month CD1.31%
36-Month CD1.56%
48-Month CD1.81%
60-Month CD2.06%
Savings0.30%
MMA1.61%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
