What are the current interest rates at Horicon Bank?

Current rates for Horicon Bank include: 12-Month CD: 3.48%, 18-Month CD: 3.58%, 24-Month CD: 3.01%, 36-Month CD: 3.01%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.05%, MMA: 0.95%

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Horicon Bank Rates & Review September 2026

Q: How many branches does Horicon Bank operate?

Horicon Bank currently maintains approximately 19 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, Horicon 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, Horicon 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 and Verified: September 18, 2026

Horicon Bank's 1-Months 1 1/2 Year CD (18-Month) rates are at 3.58%, 1-Months 1 1/2 Year IRA (18-Month) rates are at 3.58%, 1 1/2 Year IRA (18-Month) rates are at 3.58%, 1 Year CD rates are at 3.48%, 1 Year IRA rates are at 3.48%. Horicon Bank's savings rates are at 0.05%. Horicon Bank's money market rates are at 0.95%. MonitorBankRates evaluates the financial stability of Horicon Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.52%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.52%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Horicon Bank

326 E Lake St
Horicon, WI 53032

https://www.horiconbank.com

Horicon Bank CD Rates

Product	Rate	APY	Term
1 1/2 Year CD (18 Month)	3.55%	3.58%	1 months
Min Balance $1,000 Details Term: 1 1/2 Year (18 Month) Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
1 1/2 Year IRA (18 Month)	3.55%	3.58%	1 months
Min Balance $1,000 Details Term: 1 1/2 Year (18 Month) Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
1 1/2 Year IRA (18 Month)	3.55%	3.58%	18 Month
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
1 Year CD	3.45%	3.48%	1 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
1 Year IRA	3.45%	3.48%	1 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
1 Year Variable Rate IRA	3.45%	3.48%	1 Year
Min Balance $100 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
182 Day CD (6 Month)	3.45%	3.48%	182 Day (6 Month)
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
182 Day IRA (6 Month)	3.45%	3.48%	182 Day
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
31 Day CD	3.00%	3.04%	31 Day
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
91 Day CD	3.00%	3.03%	91 Day
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
2 Year CD	3.00%	3.02%	2 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
3 Year CD	3.00%	3.02%	3 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
4 Year CD	3.00%	3.02%	4 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
5 Year CD	3.00%	3.02%	5 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
2 Year IRA	3.00%	3.01%	2 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
3 Year IRA	3.00%	3.01%	3 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
4 Year IRA	3.00%	3.00%	4 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
5 Year IRA	3.00%	3.00%	5 Year
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Horicon Bank Savings Rates

Product	Rate	APY
Christmas Savings	0.50%	0.50%
Min Balance $0 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account	0.45%	0.45%
Min Balance $0 Details Balance: $50,000.00+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $1,500.00 - 49,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account	0.30%	0.30%
Min Balance $0 Details Balance: $500.00 - 1,499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Business Savings	-	0.20%
Min Balance $250 Details Rates are variable and may be subject to change after the account is opened without notice. Fees may reduce earnings. Please see a Universal Banker for more details and further account information and disclosures. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Statement Savings	0.20%	0.20%
Min Balance $250 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Statement Savings	-	0.20%
Details Minimum Balance is waived for those under 18 and 55 or better Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Health Savings Account	0.05%	0.05%
Min Balance $0 Details Balance: $0 - 499.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Horicon Bank Money Market Rates

Product	Rate	APY
Money Market - Business	2.45%	2.48%
Min Balance $5,000 Details Balance: $5,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	2.45%	2.48%
Min Balance $5,000 Details Balance: $5,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	2.45%	2.48%
Min Balance $5,000 Details Balance: $5,000,000+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Business	2.30%	2.32%
Min Balance $5,000 Details Balance: $1,000,000.01 - 5,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	2.30%	2.32%
Min Balance $5,000 Details Balance: $1,000,000.01 - 5,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	2.30%	2.32%
Min Balance $5,000 Details Balance: $1,000,000.01 - 5,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Business	2.10%	2.12%
Min Balance $5,000 Details Balance: $500,000.01 - 1,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	2.10%	2.12%
Min Balance $5,000 Details Balance: $500,000.01 - $1,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	2.10%	2.12%
Min Balance $5,000 Details Balance: $500,000.01 - 1,000,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Business	1.80%	1.82%
Min Balance $5,000 Details Balance: $250,000.01 - 500,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	1.80%	1.82%
Min Balance $5,000 Details Balance: $250,000.01 - 500,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	1.80%	1.82%
Min Balance $5,000 Details Balance: $250,000.01 - 500,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Business	1.55%	1.56%
Min Balance $5,000 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	1.55%	1.56%
Min Balance $5,000 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	1.55%	1.56%
Min Balance $5,000 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Business	1.05%	1.06%
Min Balance $5,000 Details Balance: $0 - 100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Municipal	1.05%	1.06%
Min Balance $5,000 Details Balance: $0 - 100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Money Market - Personal	1.05%	1.06%
Min Balance $5,000 Details Balance: $0 - 100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
IRA Money Market	0.95%	0.95%
Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Horicon Bank Checking Rates

Product	Rate	APY
Premier Checking	2.00%	2.02%
Min Balance $50,000 Details Balance: $250,000.00+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider V-Flight Checking	-	1.82%
Details Exclusively for customers 55 and better All the great benefits of our standard V-Flight Checking account-plus a few thoughtful extras just for you Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
V-Flight Checking	1.80%	1.82%
Min Balance $0 Details Qualifications Required: Entire balance if monthly qualifiers are not met; Balance: $0 - $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	1.50%	1.51%
Min Balance $0 Details Balance: $250,000.00+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	1.50%	1.51%
Min Balance $10,000 Details Balance: $250,000.00+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premier Checking	1.30%	1.31%
Min Balance $50,000 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	1.05%	1.06%
Min Balance $0 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	1.05%	1.06%
Min Balance $10,000 Details Balance: $100,000.01 - 250,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Premier Checking	0.55%	0.55%
Min Balance $50,000 Details Balance: $0 - $100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	0.50%	0.50%
Min Balance $0 Details Balance: $25,000.01 - 100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	0.50%	0.50%
Min Balance $10,000 Details Balance: $25,000.01 - 100,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
V-Flight Checking	0.50%	0.50%
Min Balance $25,000 Details Qualifications Required: Entire balance if monthly qualifiers are not met; Amount of balance over $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	0.30%	0.30%
Min Balance $0 Details Balance: $5,000.01 - 25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	0.30%	0.30%
Min Balance $10,000 Details Balance: $5,000.01 - 25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	0.25%	0.25%
Min Balance $0 Details Balance: $0 - 5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	0.25%	0.25%
Min Balance $10,000 Details Balance: $0 - 5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
New Horizons Checking	-	0.25%
Details A relationship account with added perks Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
V-Flight Checking	0.01%	0.01%
Min Balance $0 Details Qualifications Required: Entire balance if monthly qualifiers are not met; Entire balance if monthly qualifiers are not met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

Horicon Bank Other Rates

Product	Rate	Points	APY/APR
Christmas Savings	-	-	0.50%
Details Save for holidays or special occasions Build your savings automatic transfers or Migrate Savings Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
Glider Checking	-	-	0.25%
Details A relationship account exclusively for those 55 or better with added perks Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%
V-Flight Checking	-	-	1.82%
Details Rewards you for using eBanking services Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.52%

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

Horicon Bank’s Texas Ratio rose from 6.70% in Q3 2023 to 7.52% in Q2 2026, so its financial health has held steady at a healthy level 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.

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	$1.7B	7.52%	5.0	A
March 31, 2026	$1.7B	7.79%	5.0	A
December 31, 2025	$1.6B	6.25%	5.0	A
September 30, 2025	$1.6B	6.47%	5.0	A
June 30, 2025	$1.5B	6.95%	5.0	A
March 31, 2025	$1.5B	5.78%	5.0	A+
December 31, 2024	$1.6B	5.46%	5.0	A+
September 30, 2024	$1.6B	5.69%	5.0	A+
June 30, 2024	$1.5B	5.54%	5.0	A+
March 31, 2024	$1.5B	5.13%	5.0	A+
December 31, 2023	$1.5B	7.33%	5.0	A
September 30, 2023	$1.5B	6.70%	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 Horicon 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 Horicon 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 Horicon Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Horicon Bank

Bank Holding Company HORICON BK PROFIT SHARING&EMPLOYEE STK OWNERSHIP PLAN

Address 326 E Lake St, Horicon, WI 53032 · Dodge

Website https://www.horiconbank.com

FDIC Certificate # 11236

Established 18960907

FDIC Insurance Date 19340101

Domestic Offices 19

Total Branches 19

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.52%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4177%

Return on Equity (ROE) 13.8000%

Non-Performing Loans (NPL) 0.77%

Total Assets $1,653,274,000

Total Deposits $1,420,026,000

Equity Capital $170,192,000

Net Income $11,614,000

Headquarters Horicon

Total Branches and Offices 19

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Horicon Bank earned the Verified Healthy badge

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Frequently Asked Questions About Horicon Bank

How many branches does Horicon Bank operate?

Horicon Bank currently maintains approximately 19 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, Horicon 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, Horicon Bank provides members with tools to manage their accounts and build a solid financial history.

Does Horicon Bank offer online and mobile banking?

Most modern institutions like Horicon 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.horiconbank.com.