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Johnson Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 5, 2026
Johnson Bank's CD Specials - 13-Month rates are at 3.85%, CD Specials - 18-Month rates are at 3.85%, CD Specials - 7-Month rates are at 3.82%, CD Specials - 33-Month rates are at 3.74%, CD Specials - 9-Month rates are at 3.40%. Johnson Bank's savings rates are at 0.45%. Johnson Bank's money market rates are at 3.50%. Johnson Bank's checking rates are as high as 0.15%. Johnson Bank's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Johnson Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.47%. Rates last updated and verified on 11/05/2026.
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.
Johnson Bank has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Johnson Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
1.47%
ExcellentLower than avg
Johnson Bank Texas Ratio
Johnson Bank's Texas Ratio is 1.47%, which is considered excellent and is lower than the national average of 5.85%.
Johnson Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.08% to 1.47% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Johnson Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD Specials - 13-month
3.84%
3.85%
13 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 13-month
3.84%
3.85%
13 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 13-month
3.84%
3.85%
13 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 13-month
3.84%
3.85%
13 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 13-month
3.84%
3.85%
13 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 13-month
3.84%
3.85%
13 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 2, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 18-month
3.84%
3.85%
18 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 2, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 13-month
3.84%
3.85%
13 month
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.49% → 3.85% ▲ 0.36 pts · high 3.85% / low 3.49%
Oct 14, 20263.85%▲ from 3.49%
Sep 14, 20263.49%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 18-month
3.84%
3.85%
18 month
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55%
Oct 14, 20263.85%▲ from 3.55%
Sep 14, 20263.55%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 to $99,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 7-month
3.79%
3.82%
7 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.72% → 3.82% ▲ 0.10 pts · high 3.82% / low 3.72%
Oct 14, 20263.82%▲ from 3.72%
Oct 7, 20263.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance: $10,000.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 33-month
3.74%
3.74%
33 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 to $99,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 33-month
3.74%
3.74%
33 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.59% → 3.74% ▲ 0.15 pts · high 3.74% / low 3.59%
Oct 2, 20263.74%▲ from 3.59%
Sep 14, 20263.59%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 to $99,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 9-month
3.39%
3.40%
9 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 to $99,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.40% ▼ 0.21 pts · high 3.61% / low 3.40%
Oct 14, 20263.40%▼ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.40% ▼ 0.21 pts · high 3.61% / low 3.40%
Oct 14, 20263.40%▼ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.40% ▼ 0.21 pts · high 3.61% / low 3.40%
Oct 14, 20263.40%▼ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
IRA CD Specials - 9-month
3.39%
3.40%
9 month
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 3.61% → 3.40% ▼ 0.21 pts · high 3.61% / low 3.40%
Oct 14, 20263.40%▼ from 3.61%
Sep 14, 20263.61%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$5,000
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000.00 to $99,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Specials - 5-month
3.19%
3.22%
5 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment Frequency: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 3.12% → 3.22% ▲ 0.10 pts · high 3.22% / low 3.12%
Oct 14, 20263.22%▲ from 3.12%
Oct 7, 20263.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 5-Year
3.00%
3.00%
5 years
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 5-year
3.00%
3.00%
5 year
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 and over; Interest Payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.00% ▲ 0.20 pts · high 3.00% / low 2.80%
Oct 7, 20263.00%▲ from 2.80%
Sep 14, 20262.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 4-year
2.95%
2.95%
4 years
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.95% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 4-year
2.95%
2.95%
4 year
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 and over; Interest Payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.95% ▲ 0.20 pts · high 2.95% / low 2.75%
Oct 7, 20262.95%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 3-year
2.85%
2.85%
3 years
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.85% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 3-year
2.85%
2.85%
3 year
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 and over; Interest Payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
Oct 7, 20262.85%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 2-year
2.80%
2.80%
2 years
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.80% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 2-year
2.80%
2.80%
2 year
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 and over; Interest Payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.80% ▲ 0.05 pts · high 2.80% / low 2.75%
Oct 7, 20262.80%▲ from 2.75%
Sep 14, 20262.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 1-year
2.75%
2.75%
1 year
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 1-year
2.75%
2.75%
1 year
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 and over; Interest Payment: Annual; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Sep 14, 2026 · 2.80% → 2.75% ▼ 0.05 pts · high 2.80% / low 2.75%
Oct 7, 20262.75%▼ from 2.80%
Sep 14, 20262.80%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 to $99,999.99; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 6-month
2.00%
2.01%
6 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$300
Min Deposit$300
Min Balance$300
DetailsBalance: $300.00 to $99,999.99; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$100,000
Min Deposit$100,000
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$250,000
Min Deposit$250,000
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$500,000
Min Deposit$500,000
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$1,000,000
Min Deposit$1,000,000
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 to $1,999,999.99; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Individual Retirement Accounts (IRA) - 6-month
2.00%
2.01%
6 months
$2,000,000
Min Deposit$2,000,000
Min Balance$2,000,000
DetailsBalance: $2,000,000.00 and over; Interest Payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
2 changes since Sep 14, 2026 · 3.32% → 2.01% ▼ 1.31 pts · high 3.32% / low 2.01%
Oct 14, 20262.01%▼ from 3.11%
Oct 2, 20263.11%▼ from 3.32%
Sep 14, 20263.32%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
CD Accounts (CD) - 3-month
1.75%
1.76%
3 months
$2,000
Min Deposit$2,000
Min Balance$2,000
DetailsBalance: $2,000.00 and over; Interest payment: At Maturity; Compounding: Simple
Last Updated11/05/2026
Rate History
1 change since Oct 7, 2026 · 1.56% → 1.76% ▲ 0.20 pts · high 1.76% / low 1.56%
No change since Oct 14, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Signature Checking
0.01%
0.01%
Min Deposit$200
DetailsBalance: Up to $999.99; Interest Payment Frequency: Monthly; Compounding Method: Simple
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Johnson Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Money Market Locked For 9-Months
3.45%
-
3.50%
9 months
Min Deposit$25,000
DetailsPromotional rate for a 9-month term with a fixed interest rate of 3.45% and APY of 3.50%; requires $25,000 or more in new money and a checking account relationship; Deposit Rate Special effective November 2, 2026 thru December 31, 2026; available to Consumer account holders only; Signature, Private Banking, or Relationship Money Market
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.47%
Financial Health History
Johnson Bank’s Texas Ratio fell from 2.08% in Q3 2023 to 1.47% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade
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
$7.1B
1.47%
5.0
A+
March 31, 2026
$7.0B
1.69%
5.0
A+
December 31, 2025
$7.2B
1.73%
5.0
A+
September 30, 2025
$7.1B
2.22%
5.0
A+
June 30, 2025
$7.0B
2.33%
5.0
A+
March 31, 2025
$6.8B
1.29%
5.0
A+
December 31, 2024
$6.7B
1.11%
5.0
A+
September 30, 2024
$6.6B
2.22%
5.0
A+
June 30, 2024
$6.4B
1.00%
5.0
A+
March 31, 2024
$6.3B
0.91%
5.0
A+
December 31, 2023
$6.3B
1.83%
5.0
A+
September 30, 2023
$6.4B
2.08%
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 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.
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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
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Frequently Asked Questions About Johnson Bank
Does Johnson Bank offer CDs?
Yes. Johnson Bank current CD rates include its CD Specials - 13-Month at 3.85% APY, its CD Specials - 18-Month at 3.85% APY and its CD Specials - 7-Month at 3.82% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from Johnson Bank FDIC insured?
Yes. Johnson 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 Johnson Bank?
The highest Johnson Bank CD rate is its CD Specials - 13-Month at 3.85% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does Johnson Bank offer?
Johnson Bank CD rates are 3.82% APY for a 7 month CD, 3.40% APY for a 9 month CD, 2.75% APY for a 12 month CD, 3.85% APY for a 13 month CD, 3.85% APY for an 18 month CD, 2.80% APY for a 2 year CD, 3.74% APY for a 33 month CD, 2.85% APY for a 3 year CD, 2.95% APY for a 4 year CD and 3.00% APY for a 5 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 Johnson Bank for its full lineup.
What is the highest savings rate at Johnson Bank?
The highest Johnson Bank savings rate is its Health Savings Account (HSA) at 0.45% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at Johnson Bank?
The highest Johnson Bank money market rate is its 9-Months Money Market Locked For 9-month at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at Johnson Bank?
The highest Johnson Bank checking rate is its Signature Checking at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.
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.
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 Johnson Bank rates compare?
Johnson Bank's top CD rate of 3.85% APY on a 13 month CD is 28% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Johnson Bank's top rates are its 13-Months CD Specials - 13-Month at 3.85% APY, its Health Savings Account (HSA) at 0.45% APY, its 9-Months Money Market Locked For 9-month at 3.50% APY and its Signature Checking at 0.15% APY, verified by MonitorBankRates on November 5, 2026.
Current Johnson Bank Rates
12-Month CD2.75%
18-Month CD3.85%
24-Month CD2.80%
36-Month CD2.85%
48-Month CD2.95%
60-Month CD3.00%
Savings0.45%
MMA3.50%
Retrieved from our database of financial products. Rates subject to change.