What are the current interest rates at Johnson Bank?

Current rates for Johnson Bank include: MMA: 3.29%

☰

Home›
Banks›
Johnson Bank

iAdvertiser Disclosure

Johnson Bank Rates & Review March 2026

Q: How many branches does Johnson Bank operate?

Johnson Bank currently maintains approximately 32 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, Johnson 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, Johnson 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 27, 2026

Johnson Bank's 9-Month CD rates are at 3.89%. Johnson Bank's money market rates are at 3.29%. MonitorBankRates evaluates the financial stability of Johnson Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.08%. Rates were last updated on 03/27/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.08%

Excellent Lower than avg

Johnson Bank

555 Main St
Racine, WI 53403

https://www.johnsonfinancialgroup.com

Johnson Bank CD Rates

Product	Rate	APY	Term	View More
9-Month CD	3.87%	3.89%	9
Min Deposit $5,000 Details Available from February 9, 2026, to April 18, 2026, when you deposit new money not currently held by you at Johnson Bank or its affiliates or renew an existing 9-month CD held at Johnson Bank with a current interest rate of 4.17% or 4.27%. The maximum deposit amount is $2,000,000. There is no limit on the number of CDs that may be opened per household. This APY offer includes IRA Certificates of Deposit and Small Business Certificates of Deposit; however, it is not available for our standard business accounts, business products, brokers, agents, public entities, or financial institutions. A penalty may be imposed for early withdrawal. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

Johnson Bank Home Equity & HELOC

Product	Rate	Points	APR
Home Equity	-	-	6.19%
Details As Low As; Applies to the Home Equity special carve out period after which the rate will be converted*; No closing costs; Fixed rate for 18 months; Interest only payments from a Johnson Financial Group checking account; Enjoy up to 2 fixed rate locks on new loan advances only Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Private Banking HELOC or greater	-	-	6.75%
Details $25,001; Effective as of 03.09.2026 and subject to change. The Annual Percentage Rate ("APR") on 90% or less Loan to Value loans will be the highest Prime Rate (the index) published in the Wall Street Journal, plus our margin. The initial APR may be lower with automatic payment set-up from a Johnson Bank checking account and will be higher without automatic payment set-up from a Johnson Bank checking account. There is no limit on the amount by which the rate can change during any one?year period. Rates may vary but will not exceed 18% and will not fall below 3.99% over the term of the loan. To be eligible, a minimum initial draw of $25,001 is required. For more information, please request our current interest rate, margin and rate limitations. Required closing costs related to a property appraisal, title insurance and other fees generally range from $500 to $2500 and are waived for lines of credit less than $250,000. A Recapture Fee may be charged in the amount of the lesser of 1% of your credit limit or $400 if closed within 3 years of the account opening. A maximum of two carve-out options at one time are available. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Interest on the portion of the credit extension that is greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for information regarding the deductibility of interest and charges. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Consumer HELOC or greater	-	-	7.00%
Details $25,001; Effective as of 03.09.2026 and subject to change. The Annual Percentage Rate ("APR") on 90% or less Loan to Value loans will be the highest Prime Rate (the index) published in the Wall Street Journal, plus our margin. The initial APR may be lower with automatic payment set-up from a Johnson Bank checking account and will be higher without automatic payment set-up from a Johnson Bank checking account. There is no limit on the amount by which the rate can change during any one?year period. Rates may vary but will not exceed 18% and will not fall below 3.99% over the term of the loan. To be eligible, a minimum initial draw of $25,001 is required. For more information, please request our current interest rate, margin and rate limitations. Required closing costs related to a property appraisal, title insurance and other fees generally range from $500 to $2500 and are waived for lines of credit less than $250,000. A Recapture Fee may be charged in the amount of the lesser of 1% of your credit limit or $400 if closed within 3 years of the account opening. A non?refundable annual fee of $50 will be charged each year after the first year. A maximum of two carve-out options at one time are available. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Interest on the portion of the credit extension that is greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for information regarding the deductibility of interest and charges. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Private Banking HELOC to $25,000	-	-	7.75%
Details $5,000; Effective as of 03.09.2026 and subject to change. The Annual Percentage Rate ("APR") on 90% or less Loan to Value loans will be the highest Prime Rate (the index) published in the Wall Street Journal, plus our margin. The initial APR may be lower with automatic payment set-up from a Johnson Bank checking account and will be higher without automatic payment set-up from a Johnson Bank checking account. There is no limit on the amount by which the rate can change during any one?year period. Rates may vary but will not exceed 18% and will not fall below 3.99% over the term of the loan. To be eligible, a minimum initial draw of $25,001 is required. For more information, please request our current interest rate, margin and rate limitations. Required closing costs related to a property appraisal, title insurance and other fees generally range from $500 to $2500 and are waived for lines of credit less than $250,000. A Recapture Fee may be charged in the amount of the lesser of 1% of your credit limit or $400 if closed within 3 years of the account opening. A maximum of two carve-out options at one time are available. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Interest on the portion of the credit extension that is greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for information regarding the deductibility of interest and charges. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%
Consumer HELOC to $25,000	-	-	8.50%
Details $5,000; Effective as of 03.09.2026 and subject to change. The Annual Percentage Rate ("APR") on 90% or less Loan to Value loans will be the highest Prime Rate (the index) published in the Wall Street Journal, plus our margin. The initial APR may be lower with automatic payment set-up from a Johnson Bank checking account and will be higher without automatic payment set-up from a Johnson Bank checking account. There is no limit on the amount by which the rate can change during any one?year period. Rates may vary but will not exceed 18% and will not fall below 3.99% over the term of the loan. To be eligible, a minimum initial draw of $25,001 is required. For more information, please request our current interest rate, margin and rate limitations. Required closing costs related to a property appraisal, title insurance and other fees generally range from $500 to $2500 and are waived for lines of credit less than $250,000. A Recapture Fee may be charged in the amount of the lesser of 1% of your credit limit or $400 if closed within 3 years of the account opening. A non?refundable annual fee of $50 will be charged each year after the first year. A maximum of two carve-out options at one time are available. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required. Interest on the portion of the credit extension that is greater than fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult a tax adviser for information regarding the deductibility of interest and charges. Last Updated 03/27/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.08%

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.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name Johnson Bank

Bank Holding Company JOHNSON FINANCIAL GROUP INC

Address 555 Main St, Racine, WI 53403 · Racine

Website https://www.johnsonfinancialgroup.com

FDIC Certificate # 20296

Established 11/12/1970

FDIC Insurance Date 11/12/1970

Domestic Offices 32

Total Branches 32

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.08%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8047%

Return on Equity (ROE) 6.4300%

Non-Performing Loans (NPL) 0.22%

Total Assets $7,187,696,000

Total Deposits $5,993,592,000

Equity Capital $863,340,000

Net Income $74,892,000

Headquarters Racine

Total Offices 32

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Johnson Bank

Frequently Asked Questions About Johnson Bank

Is Johnson Bank a safe place to deposit money?

Yes, Johnson Bank is considered a safe financial institution. With a Texas Ratio of 2.0804366524177%, the institution's financial health is rated as excellent. 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 Johnson Bank operate?

Johnson Bank currently maintains approximately 32 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, Johnson 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, Johnson Bank provides members with tools to manage their accounts and build a solid financial history.

Does Johnson Bank offer online and mobile banking?

Most modern institutions like Johnson 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.johnsonfinancialgroup.com.