What are the current interest rates at Fsnb?

Current rates for Fsnb include: 12-Month CD: 2.00%, 18-Month CD: 2.00%, 60-Month CD: 2.50%, Savings: 7.00%

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Fsnb Rates & Review October 2026

Q: How many branches does Fsnb operate?

Fsnb currently maintains approximately 68 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, Fsnb 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fsnb provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Fsnb's top rates as of October 11, 2026 are 2.50% APY on its 60-Months 60-Month Certificate, 7.00% APY on savings, and 0.05% APY on checking, according to rates verified by MonitorBankRates. Other Fsnb CD rates include 30-Months 30-Month Certificate at 2.25%, 12-Months 12-Month Certificate at 2.00%, and 18-Months 18-Month Certificate at 2.00%. MonitorBankRates evaluates the financial stability of Fsnb with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.08%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 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

4.08%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

FSNB, National Association

1420 Sw Lee Blvd
Lawton, OK 73501

https://www.fsnb.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.

Fsnb CD Rates

Product	Rate	APY	Term
60 Month Certificate	2.50%	2.50%	60 Months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
30 Month Certificate	2.25%	2.25%	30 Months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
12 Month Certificate	2.00%	2.00%	12 Months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
18 Month Certificate	2.00%	2.00%	18 Months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
182 Day Certificate	1.50%	1.50%	182 Day
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
30 Day Certificate	0.40%	0.40%	30 Day
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
91 Day Certificate	0.40%	0.40%	91 Day
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%

Fsnb Savings Rates

Product	Rate	APY
Cents-able Savings	7.00%	7.00%
Min Deposit $5 Min Balance $0 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 7.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
Savings	0.70%	0.70%
Min Deposit $5 Min Balance $50,000 Details Balances $50,000.00 or more; Tier Three Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
Savings	0.50%	0.50%
Min Deposit $5 Min Balance $5,000 Details Balances $5,000.00 to $49,999.99; Tier Two Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
Savings	0.30%	0.30%
Min Deposit $5 Min Balance $25 Details Balances less than $5,000.00; Tier One Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%

Fsnb Checking Rates

Product	Rate	APY	View More
Advanced Checking	0.05%	0.05%
Min Deposit $5 Min Balance $500 Details Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $500.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%

Fsnb Other Rates

Product	Rate	Points	APY/APR
Basic	0.05%	-	0.05%
Min Deposit $5 Min Balance $500 Details Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $500.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%
Career	0.05%	-	0.05%
Min Deposit $5 Min Balance $500 Details Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $500.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.08%

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

Fsnb’s Texas Ratio fell from 4.90% in Q3 2023 to 4.08% 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	$478M	4.08%	5.0	A+
March 31, 2026	$471M	4.32%	5.0	A+
December 31, 2025	$479M	4.38%	5.0	A+
September 30, 2025	$474M	4.46%	5.0	A+
June 30, 2025	$473M	4.78%	5.0	A+
March 31, 2025	$463M	4.85%	5.0	A+
December 31, 2024	$463M	5.01%	5.0	A+
September 30, 2024	$459M	5.02%	5.0	A+
June 30, 2024	$459M	5.26%	5.0	A+
March 31, 2024	$468M	5.60%	5.0	A+
December 31, 2023	$473M	4.97%	5.0	A+
September 30, 2023	$474M	4.90%	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 Fsnb 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 Fsnb 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 Fsnb's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Fsnb

Bank Holding Company JRMB II INC

Address 1420 Sw Lee Blvd, Lawton, OK 73501 · Comanche

Website https://www.fsnb.com

FDIC Certificate # 16416

Established 19460701

FDIC Insurance Date 19460701

Domestic Offices 68

Total Branches 68

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 3.4564%

Return on Equity (ROE) 20.4500%

Non-Performing Loans (NPL) 0.11%

Total Assets $478,276,000

Total Deposits $369,707,000

Equity Capital $83,053,000

Net Income $8,228,000

Headquarters Lawton

Total Branches and Offices 68

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Fsnb earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/fsnb-national-association-rates-review-16416">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Fsnb

How many branches does Fsnb operate?

Fsnb currently maintains approximately 68 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, Fsnb 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, Fsnb provides members with tools to manage their accounts and build a solid financial history.

Does Fsnb offer online and mobile banking?

Most modern institutions like Fsnb 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.fsnb.com.