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Fulton Bank Rates & Review October 2026

Fulton Bank's top rates as of October 7, 2026 are 4.00% APY on its 25-Month Certificate of Deposit Promo - New Money, 0.07% APY on savings, 1.95% APY on money market accounts, 0.02% APY on checking, and personal loans from 8.00% APR, according to rates verified by MonitorBankRates. Other Fulton Bank CD rates include 7 or 25-month CD at 4.00%, 7-Month Certificate of Deposit Promo - New Money at 4.00%, and 4-Month Certificate of Deposit Promo - New Money at 3.80%. MonitorBankRates evaluates the financial stability of Fulton Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.85%. Rates last updated and verified on 10/07/2026.

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

MonitorBankRates Verified Healthy Badge Q2 2026 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 ?
4.85%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Fulton Bank, National Association
1 Penn Sq
Lancaster, PA 17602
https://www.fultonbank.com
MemberFDIC
Customer Reviews
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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.

Fulton Bank CD Rates

Product Rate APY Term View More
25-Month Certificate of Deposit Promo - New Money 3.92% 4.00% 25-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
7 or 25-month CD - 4.00% 7 or 25-month
Min Deposit $10,000
Details New money required.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
7-Month Certificate of Deposit Promo - New Money 3.92% 4.00% 7-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
4-Month Certificate of Deposit Promo - New Money 3.73% 3.80% 4-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 7, 2026: 3.80% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
13-Month Certificate of Deposit Promo 3.54% 3.60% 13-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
9-Month No Penalty 3.30% 3.35% 9-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.35% APY · checked 2 times
2.85%3.35%3.85%Oct 7, 2026: 3.35% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
36-Month Bump Up Certificate of Deposit Promo 3.15% 3.20% 36-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 7, 2026: 3.20% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
30 Month Certificate 1.00% 1.01% 30-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
36 Month Certificate 1.00% 1.01% 36-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
48 Month Certificate 1.00% 1.01% 48-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
60 Month Certificate 1.00% 1.01% 60-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 1.01% APY · checked 2 times
0.51%1.01%1.51%Oct 7, 2026: 1.01% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
15 Month Certificate 0.95% 0.95% 15-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
18 Month Certificate 0.95% 0.95% 18-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
24 Month Certificate 0.95% 0.95% 24-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.95% APY · checked 2 times
0.45%0.95%1.45%Oct 7, 2026: 0.95% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
12 Month Certificate 0.70% 0.70% 12-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
12-Month Variable Rate 0.70% 0.70% 12-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
3 Month Certificate 0.70% 0.70% 3-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
6 Month Certificate 0.70% 0.70% 6-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
9 Month Certificate 0.70% 0.70% 9-Month
No additional details.
Last Updated 10/07/2026
Rate History
No change since Oct 7, 2026 · 0.70% APY · checked 2 times
0.20%0.70%1.20%Oct 7, 2026: 0.70% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Savings Rates

Product Rate APY View More
Health Savings Accounts 0.07% 0.07%
Min Balance $14,999
Details Balance: $14,999.01 +
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.07% APY · checked 6 times
0.00%0.29%0.57%Sep 18, 2026: 0.07% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Health Savings Accounts 0.05% 0.05%
Min Balance $4,999
Details Balance: $4,999.01 - $14,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Health Savings Accounts 0.04% 0.04%
Min Balance $999
Details Balance: $999.01 - $4,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.04% APY · checked 6 times
0.00%0.27%0.54%Sep 18, 2026: 0.04% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Statement Savings 0.02% 0.02%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Money Market Rates

Product Rate APY View More
Platinum Money Market 1.93% 1.95%
Min Balance $249,999
Details Balance: $249,999.01 - $999,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 6 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 1.93% 1.95%
Min Balance $999,999
Details Balance: $999,999.01 - $1,999,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 6 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 1.93% 1.95%
Min Balance $1,999,999
Details Balance: $1,999,999.01 +
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.95% APY · checked 6 times
1.45%1.95%2.45%Sep 18, 2026: 1.95% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 1.63% 1.64%
Min Balance $99,999
Details Balance: $99,999.01 - $249,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 1.64% APY · checked 6 times
1.14%1.64%2.14%Sep 18, 2026: 1.64% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 0.94% 0.94%
Min Balance $49,999
Details Balance: $49,999.01 - $99,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.94% APY · checked 6 times
0.44%0.94%1.44%Sep 18, 2026: 0.94% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 0.55% 0.55%
Min Balance $24,999
Details Balance: $24,999.01 - $49,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.55% APY · checked 6 times
0.05%0.55%1.05%Sep 18, 2026: 0.55% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
IRA Money Market 0.40% 0.40%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 0.40% 0.40%
Min Balance $9,999
Details Balance: $9,999.01 - $24,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Platinum Money Market 0.35% 0.35%
Min Balance $1,000
Details Balance: $1,000 - $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 18, 2026: 0.35% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Checking Rates

Product Rate APY View More
Interest Checking 0.02% 0.02%
Min Balance $1,000
Details Balance: $1,000 - $4,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Interest Checking 0.02% 0.02%
Min Balance $4,999
Details Balance: $4,999.01 - $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Interest Checking 0.02% 0.02%
Min Balance $9,999
Details Balance: $9,999.01 +
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Optionline Investment Property Standard Variable Rate 9.50% - 9.50%
Details Standard Variable Rate
Last Updated 10/07/2026
Rate History
1 change since Sep 15, 2026 · 9.25% → 9.50% ▲ 0.25 pts · high 9.50% / low 9.25%
8.75%9.38%10.00%Sep 15, 2026: 9.25% APRSep 18, 2026: 9.50% APRSep 15, 2026Oct 13, 2026
  • Sep 18, 20269.50%▲ from 9.25%
  • Sep 15, 20269.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Auto Loan Rates

Product Rate Points APR Term View More
New & Used Vehicle 2024 - 2027 Loan 7.44% - 7.44%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 7.44% APR · checked 7 times
6.94%7.44%7.94%Sep 15, 2026: 7.44% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2023 Loan 8.20% - 8.20%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 8.20% APR · checked 7 times
7.70%8.20%8.70%Sep 15, 2026: 8.20% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2022 Loan 8.45% - 8.45%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 8.45% APR · checked 7 times
7.95%8.45%8.95%Sep 15, 2026: 8.45% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2021 Loan 9.08% - 9.08%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.08% APR · checked 7 times
8.58%9.08%9.58%Sep 15, 2026: 9.08% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2020 Loan 9.38% - 9.38%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.38% APR · checked 7 times
8.88%9.38%9.88%Sep 15, 2026: 9.38% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2019 Loan 9.58% - 9.58%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.58% APR · checked 7 times
9.08%9.58%10.08%Sep 15, 2026: 9.58% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2018 Loan 9.78% - 9.78%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 9.78% APR · checked 7 times
9.28%9.78%10.28%Sep 15, 2026: 9.78% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Used Vehicle 2017 Loan 10.28% - 10.28%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 10.28% APR · checked 7 times
9.78%10.28%10.78%Sep 15, 2026: 10.28% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Personal Loan Rates

Product APR Term View More
Unsecured Optionline Tier 1 Loan 8.00%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 8.00% APR · checked 7 times
7.50%8.00%8.50%Sep 15, 2026: 8.00% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Unsecured Optionline Tier 2 Loan 10.50%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 10.50% APR · checked 7 times
10.00%10.50%11.00%Sep 15, 2026: 10.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Personal Loan 11.74%
No additional details.
Last Updated 10/07/2026
Rate History
No change since Sep 15, 2026 · 11.74% APR · checked 7 times
11.24%11.74%12.24%Sep 15, 2026: 11.74% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Fulton Bank Other Rates

Product Rate Points APY/APR Term View More
Premier Relationship Banking 0.03% - 0.03%
Min Balance $1,000
Details Balance: $1,000 - $4,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Premier Relationship Banking 0.03% - 0.03%
Min Balance $4,999
Details Balance: $4,999.01 - $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Premier Relationship Banking 0.04% - 0.04%
Min Balance $9,999
Details Balance: $9,999.01 - $24,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.04% APY · checked 6 times
0.00%0.27%0.54%Sep 18, 2026: 0.04% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Premier Relationship Banking 0.08% - 0.08%
Min Balance $24,999
Details Balance: $24,999.01 - $99,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 18, 2026: 0.08% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Premier Relationship Banking 0.08% - 0.08%
Min Balance $99,999
Details Balance: $99,999.01 +
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.08% APY · checked 6 times
0.00%0.29%0.58%Sep 18, 2026: 0.08% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Relationship Banking 0.02% - 0.02%
Min Balance $1,000
Details Balance: $1,000 - $4,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Relationship Banking 0.02% - 0.02%
Min Balance $4,999
Details Balance: $4,999.01 - $9,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Relationship Banking 0.03% - 0.03%
Min Balance $9,999
Details Balance: $9,999.01 - $24,999
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%
Relationship Banking 0.05% - 0.05%
Min Balance $24,999
Details Balance: $24,999.01 +
Last Updated 10/07/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.85%

Financial Health History

Fulton Bank’s Texas Ratio stayed near 4.93% in Q3 2023 to 4.85% 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; 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.

0% 1.0★ 4.1% 2.0★ 8.3% 3.0★ 12.4% 4.0★ 16.5% 5.0★ 15% Verified Healthy limit – lower is healthier Healthy zone 4.93% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A Q3 2024 A Q4 2024 A+ Q1 2025 A Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 4.85% A+ Q2 2026
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)
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$32.6B4.85%5.0A+
March 31, 2026$32.1B4.96%5.0A+
December 31, 2025$32.0B5.18%5.0A+
September 30, 2025$31.8B5.73%5.0A+
June 30, 2025$31.9B6.29%5.0A
March 31, 2025$32.0B5.86%5.0A+
December 31, 2024$31.9B6.64%5.0A
September 30, 2024$32.1B6.02%5.0A
June 30, 2024$31.6B5.34%5.0A+
March 31, 2024$27.5B5.40%5.0A+
December 31, 2023$27.4B5.45%5.0A+
September 30, 2023$27.2B4.93%5.0A+
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 Fulton 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 Fulton 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 Fulton Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Fulton Bank
Bank Holding Company FULTON FINANCIAL CORP
Address 1 Penn Sq, Lancaster, PA 17602  ·  Lancaster
FDIC Certificate # 7551
Established 18820101
FDIC Insurance Date 19340101
Domestic Offices 208
Total Branches 229
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
4.85%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.3041%
Return on Equity (ROE) 11.8400%
Non-Performing Loans (NPL) 0.54%
Total Assets $32,561,169,000
Total Deposits $27,416,299,000
Equity Capital $3,580,909,000
Net Income $210,068,000
Headquarters Lancaster
Total Branches and Offices 208
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Fulton Bank 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/fulton-bank-rates-review">
  <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 Fulton Bank

How many branches does Fulton Bank operate?

Fulton Bank currently maintains approximately 229 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, Fulton 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, Fulton Bank provides members with tools to manage their accounts and build a solid financial history.

Does Fulton Bank offer online and mobile banking?

Most modern institutions like Fulton 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.fultonbank.com.

Current Fulton Bank Rates

  • 12-Month CD0.70%
  • 18-Month CD0.95%
  • 24-Month CD0.95%
  • 36-Month CD1.01%
  • 48-Month CD1.01%
  • 60-Month CD1.01%
  • Savings0.07%
  • MMA1.95%
Retrieved from our database of financial products. Rates subject to change.