What are the current interest rates at Fremont Bank?

Current rates for Fremont Bank include: 12-Month CD: 1.25%, 18-Month CD: 1.25%, 24-Month CD: 1.25%, 36-Month CD: 1.25%, 48-Month CD: 1.25%, 60-Month CD: 1.25%, Savings: 0.30%, MMA: 1.25%

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Fremont Bank Rates & Review November 2026

Q: What CD terms does Fremont Bank offer?

Fremont Bank CD rates are 3.25% APY for a 3 month CD, 3.00% APY for a 6 month CD, 3.30% APY for a 9 month CD, 1.75% APY for a 12 month CD, 1.75% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.25% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Fremont Bank for its full lineup.

Q: How many branches does Fremont Bank operate?

Fremont Bank currently maintains approximately 23 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, Fremont 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Fremont Bank's 9-Month Personal CD rates are at 3.30%, 3-Month Personal CD rates are at 3.25%, 6-Month Personal CD rates are at 3.00%, 1 Year Personal CD rates are at 1.75%, 18-Month Personal CD rates are at 1.75%. Fremont Bank's savings rates are at 0.30%. Fremont Bank's money market rates are at 1.25%. Fremont Bank's Credit Card Rates are at 9.99%. Fremont Bank's top CD rate of 3.75% APY on a 10 month CD is 27% higher than the MonitorBankRates national average of 2.96% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Fremont Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.11%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.11%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Fremont Bank

39150 Fremont Blvd
Fremont, CA 94538

https://www.fremontbank.com

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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.

Fremont Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
10-month Promo CD	-	3.75%	10 months	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Promotional CD; Balance: $2,500.00 - $1,000,000.00; APY accurate as of 11/05/2026; new money only; requires open Fremont Bank Checking account; limit one promotional account per household; early withdrawal penalty applies; renews into standard 9-Month CD at maturity Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
9-Month Personal CD	3.25%	3.30%	9 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
9-Month Personal CD	3.25%	3.30%	9 Month	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
9-Month Personal CD	3.25%	3.30%	9 Month	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
9-Month Personal CD	3.25%	3.30%	9 Month	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Month Personal CD	3.20%	3.25%	3 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Month Personal CD	3.20%	3.25%	3 Month	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Month Personal CD	3.20%	3.25%	3 Month	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Month Personal CD	3.20%	3.25%	3 Month	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6-Month Personal CD	2.96%	3.00%	6 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6-Month Personal CD	2.96%	3.00%	6 Month	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6-Month Personal CD	2.96%	3.00%	6 Month	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
6-Month Personal CD	2.96%	3.00%	6 Month	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Year Personal CD	1.74%	1.75%	1 Year	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Year Personal CD	1.74%	1.75%	1 Year	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18-Month Personal CD	1.74%	1.75%	18 Month	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18-Month Personal CD	1.74%	1.75%	18 Month	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2-Year Personal CD	1.74%	1.75%	2 Year	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2-Year Personal CD	1.74%	1.75%	2 Year	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Year Personal CD	1.74%	1.75%	3 Year	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Year Personal CD	1.74%	1.75%	3 Year	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
4-Year Personal CD	1.74%	1.75%	4 Year	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
4-Year Personal CD	1.74%	1.75%	4 Year	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
5-Year Personal CD	1.74%	1.75%	5 Year	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
5-Year Personal CD	1.74%	1.75%	5 Year	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Year Personal CD	1.49%	1.50%	1 Year	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18-Month Personal CD	1.49%	1.50%	18 Month	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2-Year Personal CD	1.49%	1.50%	2 Year	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Year Personal CD	1.49%	1.50%	3 Year	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
4-Year Personal CD	1.49%	1.50%	4 Year	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
5-Year Personal CD	1.49%	1.50%	5 Year	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Year Personal CD	1.24%	1.25%	1 Year	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
18-Month Personal CD	1.24%	1.25%	18 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
2-Year Personal CD	1.24%	1.25%	2 Year	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
3-Year Personal CD	1.24%	1.25%	3 Year	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
4-Year Personal CD	1.24%	1.25%	4 Year	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
5-Year Personal CD	1.24%	1.25%	5 Year	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 1.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Month Personal CD	0.75%	0.75%	1 Month	$2,500
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 up to $1,000,000 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Month Personal CD	0.75%	0.75%	1 Month	$2,500
Min Deposit $2,500 Min Balance $1,000,001 Details Balance: $1,000,001 and Over Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Month Personal CD	0.50%	0.50%	1 Month	$2,500
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
1-Month Personal CD	0.25%	0.25%	1 Month	$2,500
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Fremont Bank Savings Rates

Product	Rate	APY
Money Market Savings	0.30%	0.30%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.25%	0.25%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 up to $999,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.20%	0.20%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 up to $499,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 up to $249,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: Up to $9,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 up to $24,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Fremont Bank Money Market Rates

Product	Rate	APY
Money Market Savings	0.30%	0.30%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.25%	0.25%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 up to $999,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.20%	0.20%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 up to $499,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 up to $249,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: Up to $9,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 up to $24,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Money Market Savings	0.02%	0.02%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Fremont Bank Checking Rates

Product	Rate	APY
Premier Money Market Checking	1.24%	1.25%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	1.09%	1.10%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000 up to $999,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.90%	0.90%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 up to $499,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.75%	0.75%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 up to $249,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.07%	0.07%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 up to $99,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.03%	0.03%
Min Deposit $100 Min Balance $0 Details Balance: Up to $9,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.03%	0.03%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 up to $24,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%
Premier Money Market Checking	0.03%	0.03%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 up to $49,999 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

Fremont Bank Credit Card Rates

Product	Rate	APR	View More
Low Rate Platinum Mastercard	-	9.99%
Details Rate: Prime + 2.99%, currently 9.99% variable APR; $99 Annual Fee; No balance transfer fee for balances transferred during the first six months, then $10 or 1% whichever is higher; Balance transfer fee 1% or $10 (whichever is greater) per transfer Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 9.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.11%

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

Fremont Bank’s Texas Ratio fell from 8.54% in Q3 2023 to 4.11% 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 5.0 to 5.0 and its Health Grade from A 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	$6.0B	4.11%	5.0	A+
March 31, 2026	$5.9B	3.49%	5.0	A+
December 31, 2025	$5.9B	4.57%	5.0	A+
September 30, 2025	$6.1B	4.90%	5.0	A+
June 30, 2025	$5.8B	5.56%	5.0	A+
March 31, 2025	$5.8B	7.19%	5.0	A
December 31, 2024	$5.8B	6.18%	5.0	A
September 30, 2024	$5.9B	5.88%	5.0	A+
June 30, 2024	$5.9B	5.41%	5.0	A+
March 31, 2024	$5.9B	5.02%	5.0	A+
December 31, 2023	$5.6B	7.19%	5.0	A
September 30, 2023	$5.7B	8.54%	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 Fremont 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 Fremont 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 Fremont Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Fremont Bank

Website https://www.fremontbank.com

Address 39150 Fremont Blvd, Fremont, CA 94538 · Alameda

Bank Holding Company FREMONT BCORP

FDIC Certificate # 19222

Regulator FDIC

Established September 3, 1964

FDIC Insurance Date September 3, 1964

Domestic Offices 23

Total Branches 23

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.11%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1493%

Return on Equity (ROE)

14.7200%

Non-Performing Loans Ratio (NPL)

0.32%

Total Assets

$5,966,572,000

Total Deposits

$5,309,371,000

Equity Capital

$465,986,000

Net Income

$34,085,000

Headquarters

Fremont

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Fremont Bank earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Fremont Bank

Does Fremont Bank offer CDs?

Yes. Fremont Bank current CD rates include its 9-Month Personal CD at 3.30% APY, its 3-Month Personal CD at 3.25% APY and its 6-Month Personal CD at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Fremont Bank FDIC insured?

Yes. Fremont 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 Fremont Bank?

The highest Fremont Bank CD rate is its 10-month Promo CD at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Fremont Bank offer?

Fremont Bank CD rates are 3.25% APY for a 3 month CD, 3.00% APY for a 6 month CD, 3.30% APY for a 9 month CD, 1.75% APY for a 12 month CD, 1.75% APY for an 18 month CD, 1.25% APY for a 2 year CD, 1.25% APY for a 3 year CD, 1.25% APY for a 4 year CD and 1.25% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Fremont Bank for its full lineup.

What is the highest money market rate at Fremont Bank?

The highest Fremont Bank money market rate is its Premier Money Market Checking at 1.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Fremont Bank?

The highest Fremont Bank checking rate is its Premier Money Market Checking at 1.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest credit card APR at Fremont Bank?

The lowest Fremont Bank credit card APR is its Low Rate Platinum Mastercard Credit Card at 9.99% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does Fremont Bank operate?

Fremont Bank currently maintains approximately 23 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, Fremont 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, Fremont Bank provides members with tools to manage their accounts and build a solid financial history.

Does Fremont Bank offer online and mobile banking?

Most modern institutions like Fremont 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.fremontbank.com.

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 Fremont Bank rates compare?

Fremont Bank's top CD rate of 3.75% APY on a 10 month CD is 27% higher than the MonitorBankRates national average of 2.96% APY for that term, and it has an A+ health rating. Fremont Bank's top rates are its 10-Months 10-month Promo CD at 3.75% APY, its Money Market Savings at 0.30% APY, its Premier Money Market Checking at 1.25% APY and its Low Rate Platinum Mastercard Credit Card at 9.99% APR, verified by MonitorBankRates on November 5, 2026.

Current Fremont Bank Rates

12-Month CD1.25%
18-Month CD1.25%
24-Month CD1.25%
36-Month CD1.25%
48-Month CD1.25%
60-Month CD1.25%
Savings0.30%
MMA1.25%

Retrieved from our database of financial products. Rates subject to change.

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Fremont Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Fremont Bank Texas Ratio

Fremont Bank Health Trend

Fremont Bank CD Rates

Fremont Bank Savings Rates

Fremont Bank Money Market Rates

Fremont Bank Checking Rates

Fremont Bank Credit Card Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Fremont Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Fremont Bank

Does Fremont Bank offer CDs?

Are CDs from Fremont Bank FDIC insured?

What is the highest CD rate at Fremont Bank?

What CD terms does Fremont Bank offer?

What is the highest money market rate at Fremont Bank?

What is the highest checking rate at Fremont Bank?

What is the lowest credit card APR at Fremont Bank?

How many branches does Fremont Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Fremont Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Fremont Bank rates compare?

Current Fremont Bank Rates

Compare to Other Banks