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Harmony Bank

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Harmony Bank Rates & Review March 2026

Q: How many branches does Harmony Bank operate?

Harmony Bank currently maintains approximately multiple 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, Harmony 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Harmony Bank 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: March 20, 2026

You can compare Harmony Bank rates to other rates in our database, including 12-month CD rates currently at 3.51%, 6-month CD rates at 3.05% and 3-month CD rates at 1.41%. Savings rates are at 0.05% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Harmony Bank rates. MonitorBankRates evaluates the financial stability of Harmony Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 03/20/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

Harmony Bank

100 S State Highway 274
Kemp, TX 75143

https://www.harmony.bank

Current Rate Availability

We do not have Harmony Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Harmony 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 Harmony 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 Harmony Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Harmony Bank

Bank Holding Company FNBK HOLDINGS INC

Address 100 S State Highway 274, Kemp, TX 75143 · Henderson

Website https://www.harmony.bank

FDIC Certificate # 3281

Established 08/03/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 0

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8620%

Return on Equity (ROE) 7.9300%

Non-Performing Loans (NPL) 0.00%

Total Assets $376,689,000

Total Deposits $333,784,000

Equity Capital $41,822,000

Net Income $829,000

Headquarters Kemp

Total Offices 6

Source: FDIC | Last Updated 03/31/2023

Customer Reviews

There are no reviews for Harmony Bank yet. Feel free to create one below.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Harmony Bank

Is Harmony Bank a safe place to deposit money?

Yes, Harmony Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Harmony Bank operate?

Harmony Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Harmony 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, Harmony Bank provides members with tools to manage their accounts and build a solid financial history.

Does Harmony Bank offer online and mobile banking?

Most modern institutions like Harmony 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.harmony.bank.