What are the current interest rates at Jefferson Bank?

Current rates for Jefferson Bank include: 12-Month CD: 2.00%, 18-Month CD: 1.00%, 24-Month CD: 1.00%, 36-Month CD: 1.00%, Savings: 0.50%, MMA: 3.05%

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Jefferson Bank Rates & Review November 2026

Q: What CD terms does Jefferson Bank offer?

Jefferson Bank CD rates are 2.52% APY for a 3 month CD, 3.00% APY for a 6 month CD, 3.16% APY for a 9 month CD, 3.25% APY for a 12 month CD, 1.00% APY for an 18 month CD, 1.00% APY for a 2 year CD and 1.00% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Jefferson Bank for its full lineup.

Q: How many branches does Jefferson Bank operate?

Jefferson Bank currently maintains approximately 13 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, Jefferson 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Jefferson Bank's 12-Month CD rates are at 3.25%, 9-Month CD rates are at 3.16%, 6-Month CD rates are at 3.00%, 3-Month CD rates are at 2.52%, 2-12-Months CD - Tier 2 - 12-Month rates are at 2.50%. Jefferson Bank's savings rates are at 0.50%. Jefferson Bank's money market rates are at 3.05%. Jefferson Bank's checking rates are as high as 0.03%. Jefferson Bank's top CD rate of 3.25% APY on a 12 month CD is 7% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Jefferson Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.02%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.02%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Jefferson Bank

1900 Broadway, Suite 100
San Antonio, TX 78215

https://www.jeffersonbank.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.

Jefferson Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
12-Month CD	3.25%	3.25%	12 months	$2,000,000
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
9-Month CD	3.15%	3.16%	9 months	$2,000,000
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.16% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
12-Month CD	3.00%	3.00%	12 months	$500,000
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
6-Month CD	3.00%	3.00%	6 months	$2,000,000
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
9-Month CD	2.75%	2.76%	9 months	$500,000
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
3-Month CD	2.50%	2.52%	3 months	$2,000,000
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
6-Month CD	2.50%	2.52%	6 months	$500,000
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.52% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
12-Month CD	2.50%	2.50%	12 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 12-month	2.50%	2.50%	2-12 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
3-Month CD	2.25%	2.27%	3 months	$500,000
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.27% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
9-Month CD	2.25%	2.26%	9 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 9-month	2.25%	2.26%	2-9 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.26% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
12-Month CD	2.25%	2.25%	12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 12-month	2.25%	2.25%	1-12 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
1-Month CD	2.00%	2.02%	1 month	$2,000,000
Min Deposit $2,000,000 Min Balance $2,000,000 Details Balance: $2,000,000.00 & Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
IRAs (18-month) Variable Rate	2.00%	2.02%	18 months	$500
Min Deposit $500 Min Balance $500 Details Variable rate IRA; Minimum daily balance to obtain APY: $500 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
6-Month CD	2.00%	2.01%	6 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
9-Month CD	2.00%	2.01%	9 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 9-month	2.00%	2.01%	1-9 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 6-month	2.00%	2.01%	2-6 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
IRA 12-Month Fixed Rate	2.00%	2.00%	12 months	$500
Min Deposit $500 Min Balance $500 Details IRAs (12 Months) Fixed Rate; Balance: Less than $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
IRAs (12-month) Fixed Rate	2.00%	2.00%	12 months	$500
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 or Over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
1-Month CD	1.75%	1.76%	1 month	$500,000
Min Deposit $500,000 Min Balance $500,000 Details Balance: $500,000.00 - $1,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
3-Month CD	1.75%	1.76%	3 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
6-Month CD	1.75%	1.76%	6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 6-month	1.75%	1.76%	1-6 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 3-month	1.75%	1.76%	2-3 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
3-Month CD	1.50%	1.51%	3 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 3-month	1.50%	1.51%	1-3 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 1-month	1.50%	1.51%	2-1 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
1-Month CD	1.25%	1.25%	1 month	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 1-month	1.25%	1.25%	1-1 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
18-Month CD	1.00%	1.00%	18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
18-Month CD	1.00%	1.00%	18 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
24-Month CD	1.00%	1.00%	24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
24-Month CD	1.00%	1.00%	24 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
36-Month CD	1.00%	1.00%	36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
36-Month CD	1.00%	1.00%	36 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99; Minimum Daily Balance to Obtain APY: $100,000 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 18-month	1.00%	1.00%	1-18 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 24-month	1.00%	1.00%	1-24 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 1 - 36-month	1.00%	1.00%	1-36 months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details $1,000.00-$99,999.99; Balance: $1,000.00-$99,999.99; Business Certificate of Deposit Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 18-month	1.00%	1.00%	2-18 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 24-month	1.00%	1.00%	2-24 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
CD - Tier 2 - 36-month	1.00%	1.00%	2-36 months	$100,000
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%

Jefferson Bank Savings Rates

Product	Rate	APY	View More
Personal Savings	0.50%	0.50%
Min Deposit $25 Min Balance $25 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%

Jefferson Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.50%	0.50%
Min Deposit $50 Min Balance $50 Details Daily balance to obtain APY: $50 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%

Jefferson Bank Money Market Rates

Product	Rate	APY
Money Market Account	3.00%	3.05%
Min Deposit $200 Min Balance $20,000,000 Details Balance: 20,000,000 & over Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	3.00%	3.04%
Min Deposit $200 Min Balance $10,000,000 Details Balance: 10,000,000.00 to 19,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	2.75%	2.78%
Min Deposit $200 Min Balance $5,000,000 Details Balance: 5,000,000 to 9,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	2.35%	2.38%
Min Deposit $200 Min Balance $2,500,000 Details Balance: 2,500,000 to 4,999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.38% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	2.10%	2.12%
Min Deposit $200 Min Balance $1,000,000 Details Balance: 1,000,000 to 2,499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 2.12% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	1.85%	1.87%
Min Deposit $200 Min Balance $500,000 Details Balance: 500,000 to 999,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.87% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	1.45%	1.46%
Min Deposit $200 Min Balance $100,000 Details Balance: 100,000 to 499,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 1.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	0.75%	0.75%
Min Deposit $200 Min Balance $1,000 Details Balance: 1,000 to 49,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%
Money Market Account	0.75%	0.75%
Min Deposit $200 Min Balance $50,000 Details Balance: 50,000 to 99,999.99 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%

Jefferson Bank Checking Rates

Product	Rate	APY	View More
Relationship Checking	0.03%	0.03%
Min Deposit $50 Min Balance $50 Details Minimum daily balance to obtain APY: $50 Last Updated 11/05/2026 Rate History No change since Oct 22, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.02%

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

Jefferson Bank’s Texas Ratio rose from 1.68% in Q3 2023 to 6.02% 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 3.0 to 5.0 and its Health Grade from C+ to A. 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	$2.9B	6.02%	5.0	A
March 31, 2026	$2.8B	6.57%	5.0	A
December 31, 2025	$3.0B	1.09%	5.0	A+
September 30, 2025	$2.8B	0.95%	5.0	A+
June 30, 2025	$2.8B	3.22%	5.0	A+
March 31, 2025	$2.8B	5.21%	5.0	A+
December 31, 2024	$2.9B	5.93%	4.9	A
September 30, 2024	$2.9B	3.76%	4.7	A
June 30, 2024	$2.9B	3.93%	3.9	B+
March 31, 2024	$2.9B	1.91%	3.6	B
December 31, 2023	$2.9B	2.40%	3.7	B
September 30, 2023	$2.8B	1.68%	3.0	C+

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 Jefferson 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 Jefferson 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 Jefferson Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Jefferson Bank

Website https://www.jeffersonbank.com

Address 1900 Broadway, Suite 100, San Antonio, TX 78215 · Bexar

Bank Holding Company JEFFERSON BANCSHARES INC

FDIC Certificate # 16470

Regulator FDIC

Established August 12, 1946

FDIC Insurance Date August 12, 1946

Domestic Offices 13

Total Branches 13

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.02%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0931%

Return on Equity (ROE)

13.0700%

Non-Performing Loans Ratio (NPL)

0.51%

Total Assets

$2,875,424,000

Total Deposits

$2,600,565,000

Equity Capital

$246,227,000

Net Income

$15,783,000

Headquarters

San Antonio

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Jefferson Bank earned the Verified Healthy badge

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☆☆☆☆☆

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Frequently Asked Questions About Jefferson Bank

Does Jefferson Bank offer CDs?

Yes. Jefferson Bank current CD rates include its 12-Month CD at 3.25% APY, its 9-Month CD at 3.16% APY and its 6-Month CD at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Jefferson Bank FDIC insured?

Yes. Jefferson Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Jefferson Bank?

The highest Jefferson Bank CD rate is its 12-Month Certificates of Deposit at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Jefferson Bank offer?

Jefferson Bank CD rates are 2.52% APY for a 3 month CD, 3.00% APY for a 6 month CD, 3.16% APY for a 9 month CD, 3.25% APY for a 12 month CD, 1.00% APY for an 18 month CD, 1.00% APY for a 2 year CD and 1.00% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Jefferson Bank for its full lineup.

What is the highest savings rate at Jefferson Bank?

The highest Jefferson Bank savings rate is its Business Savings at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Jefferson Bank?

The highest Jefferson Bank money market rate is its Money Market Account at 3.05% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Jefferson Bank?

The highest Jefferson Bank checking rate is its Relationship Checking at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.

How many branches does Jefferson Bank operate?

Jefferson Bank currently maintains approximately 13 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, Jefferson 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, Jefferson Bank provides members with tools to manage their accounts and build a solid financial history.

Does Jefferson Bank offer online and mobile banking?

Most modern institutions like Jefferson 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.jeffersonbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Jefferson Bank rates compare?

Jefferson Bank's top CD rate of 3.25% APY on a 12 month CD is 7% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. Jefferson Bank's top rates are its 12-Months 12-Month Certificates of Deposit at 3.25% APY, its Business Savings at 0.50% APY, its Money Market Account at 3.05% APY and its Relationship Checking at 0.03% APY, verified by MonitorBankRates on November 5, 2026.

Current Jefferson Bank Rates

12-Month CD2.00%
18-Month CD1.00%
24-Month CD1.00%
36-Month CD1.00%
Savings0.50%
MMA3.05%

Retrieved from our database of financial products. Rates subject to change.

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Jefferson Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Jefferson Bank Texas Ratio

Jefferson Bank Health Trend

Jefferson Bank CD Rates

Jefferson Bank Savings Rates

Jefferson Bank Business Savings Rates

Jefferson Bank Money Market Rates

Jefferson Bank Checking Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Jefferson Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Jefferson Bank

Does Jefferson Bank offer CDs?

Are CDs from Jefferson Bank FDIC insured?

What is the highest CD rate at Jefferson Bank?

What CD terms does Jefferson Bank offer?

What is the highest savings rate at Jefferson Bank?

What is the highest money market rate at Jefferson Bank?

What is the highest checking rate at Jefferson Bank?

How many branches does Jefferson Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Jefferson Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Jefferson Bank rates compare?

Current Jefferson Bank Rates

Compare to Other Banks