What are the current interest rates at Ireland Bank?

Current rates for Ireland Bank include: 18-Month CD: 4.00%

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Ireland Bank Rates & Review September 2026

Q: How many branches does Ireland Bank operate?

Ireland Bank currently maintains approximately 12 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, Ireland 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, Ireland 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 19, 2026

Ireland Bank's 18-Month CDS rates are at 4.00%, 18-Month 18-Month CD rates are at 4.00%. Ireland Bank's Auto Loan Rates are as low as 5.51%. MonitorBankRates evaluates the financial stability of Ireland Bank with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 14.57%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A-

Very Good Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

14.57%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ireland Bank

33 Bannock St
Malad City, ID 83252

https://www.ireland-bank.com

Ireland Bank CD Rates

Product	Rate	APY	Term
18 MONTH CDS	-	4.00%
Details AS HIGH AS 4.00% APY* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.57%
18-Month CD	-	4.00%	18 Month
Min Deposit $25,000 Details Annual Percentage Yield (APY) effective September 14, 2026, subject to change. Offer is good at any Ireland Bank Branch. Interest will be compounded quarterly. A penalty may be imposed for early withdrawal. Penalty may reduce earnings on account. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.57%

Ireland Bank Auto Loan Rates

Product	Rate	Points	APR
Auto	-	-	5.51%
Details AS LOW AS 5.51% APR* Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.57%
Auto Loans	-	-	5.51%
Details As low as; Loans are subject to credit approval, terms and conditions apply. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A- Health Grade ◈ Texas Ratio: 14.57%

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.
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Financial Health History

Ireland Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 14.57% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.2 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	$355M	14.57%	5.0	A-
March 31, 2026	$362M	11.86%	5.0	A
December 31, 2025	$371M	12.07%	5.0	A
September 30, 2025	$379M	13.53%	5.0	A
June 30, 2025	$370M	0.43%	5.0	A+
March 31, 2025	$366M	0.24%	5.0	A+
December 31, 2024	$369M	0.39%	5.0	A+
September 30, 2024	$374M	0.09%	5.0	A+
June 30, 2024	$372M	0.48%	5.0	A+
March 31, 2024	$370M	0.00%	4.9	A+
December 31, 2023	$367M	0.48%	4.7	A
September 30, 2023	$366M	0.00%	4.2	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 Ireland 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 Ireland 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 Ireland Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Ireland Bank

Bank Holding Company IRELAND BCORP LTD

Address 33 Bannock St, Malad City, ID 83252 · Oneida

Website https://www.ireland-bank.com

FDIC Certificate # 1237

Established 18921201

FDIC Insurance Date 19340101

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

14.57%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7851%

Return on Equity (ROE) 7.9200%

Non-Performing Loans (NPL) 1.51%

Total Assets $355,369,000

Total Deposits $314,109,000

Equity Capital $36,762,000

Net Income $1,424,000

Headquarters Malad City

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Ireland Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 — no need to download or upload anything.

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

Customer Reviews

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Frequently Asked Questions About Ireland Bank

How many branches does Ireland Bank operate?

Ireland Bank currently maintains approximately 12 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, Ireland 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, Ireland Bank provides members with tools to manage their accounts and build a solid financial history.

Does Ireland Bank offer online and mobile banking?

Most modern institutions like Ireland 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.ireland-bank.com.