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Lyons Federal 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 6, 2026
Lyons Federal Bank's 60-Month CD rates are at 3.19%, 48-Month CD rates are at 3.08%, 36-Month CD rates are at 3.03%, 30-Month CD rates are at 2.98%, 24-Month CD rates are at 2.88%. Lyons Federal Bank's savings rates are at 0.65%. Lyons Federal Bank's checking rates are as high as 1.50%. Lyons Federal Bank's top CD rate of 4.27% APY on a 7 month CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Lyons Federal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates last updated and verified on 11/06/2026.
Lyons Federal 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 Lyons Federal Bank? Share your experience about Lyons Federal Bank by leaving a review below, or read customer reviews before you decide to use Lyons Federal Bank.
Lyons Federal 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
Lyons Federal 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
?
1.22%
ExcellentLower than avg
Lyons Federal Bank Texas Ratio
Lyons Federal Bank's Texas Ratio is 1.22%, which is considered excellent and is lower than the national average of 5.85%.
Lyons Federal 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.
0.81% to 1.22% 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.
Lyons Federal Bank CD Rates
Product
Rate
APY
Term
View More
7-Month CD
4.20%
4.27%
7 Month Special
Min Balance$50,000
DetailsBalance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.27% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
7-Month IRA CD
4.15%
4.21%
7 Month Special
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.21% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
13-Month CD
4.10%
4.16%
13 Month Special
Min Balance$50,000
DetailsBalance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
7-Month CD
4.10%
4.16%
7 Month Special
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.16% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
13-Month IRA CD
4.05%
4.11%
13 Month Special
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.11% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
13-Month CD
4.00%
4.06%
13 Month Special
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 4.06% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
7-Month CD
3.90%
3.96%
7 Month Special
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.96% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
13-Month CD
3.80%
3.85%
13 Month Special
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
27-Month CD
3.75%
3.80%
27 Month Special
Min Balance$50,000
DetailsBalance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
27-Month IRA CD
3.70%
3.75%
27 Month Special
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
27-Month CD
3.65%
3.70%
27 Month Special
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.70% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
27-Month CD
3.55%
3.60%
27 Month Special
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
60-Month CD
3.15%
3.19%
60 Months
Min Balance$50,000
DetailsBalance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
60-Month IRA CD
3.15%
3.19%
60 Months
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.19% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
60-Month CD
3.10%
3.14%
60 Months
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 3.14% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
60-Month CD
3.05%
3.09%
60 Months
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 3.09% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
48-Month CD
3.05%
3.08%
48 Months
Min Balance$50,000
DetailsTerm: 48 Months thru 59 Months; Balance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.08% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
48-Month IRA CD
3.05%
3.08%
48 Months
DetailsTerm: 48 Months thru 59 Months; IRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.08% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
36-Month CD
3.00%
3.03%
36 Months
Min Balance$50,000
DetailsTerm: 36 Months thru 47 Months; Balance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
36-Month IRA CD
3.00%
3.03%
36 Months
DetailsTerm: 36 Months thru 47 Months; IRA Rates
Last Updated11/06/2026
Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 4 times
No change since Oct 22, 2026 · 1.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
32 thru 90 Days CD
0.80%
0.80%
32 thru 90 Days
Min Balance$10,000
DetailsBalance: $10,000 - $49,999
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 0.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
32 thru 90 Days CD
0.80%
0.80%
32 thru 90 Days
Min Balance$50,000
DetailsBalance: Over $50,000
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 0.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
32 thru 90 Days IRA CD
0.80%
0.80%
32 thru 90 Days
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 0.80% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
32 thru 90 Days CD
0.75%
0.75%
32 thru 90 Days
Min Balance$500
DetailsBalance: $500 - $9,999
Last Updated11/06/2026
Rate History
No change since Nov 6, 2026 · 0.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Lyons Federal Bank Savings Rates
Product
Rate
APY
View More
Passbook Savings
0.65%
0.65%
No additional details.
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.65% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Lyons Federal Bank Checking Rates
Product
Rate
APY
View More
Advantage Checking
1.49%
1.50%
Min Balance$100,000
DetailsBalance: $100,000 And Above
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 1.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Advantage Checking
0.75%
0.75%
Min Balance$50,000
DetailsBalance: $50,000 To $99,999.99
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Super Advantage Checking
0.75%
0.75%
Min Balance$50,000
DetailsBalance: $50,000 And Above
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.75% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Advantage Checking
0.45%
0.45%
Min Balance$1,000
DetailsBalance: $1,000 To $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Super Advantage Checking
0.45%
0.45%
Min Balance$1,000
DetailsBalance: $1,000 To $49,999.99
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Advantage Checking
0.30%
0.30%
DetailsBalance: Below $1,000
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Prestige 50 Checking
0.30%
0.30%
No additional details.
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Reward Checking
0.30%
0.30%
Min Balance$400
DetailsBalance: Daily Balance $400 and Greater
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Super Advantage Checking
0.30%
0.30%
DetailsBalance: Below $1,000
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Reward Checking
0.00%
0.00%
DetailsBalance: Daily Balance Below $400
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.30% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Lyons Federal Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
IRA - 30 Day IRA
0.80%
-
0.80%
DetailsIRA Rates
Last Updated11/06/2026
Rate History
No change since Sep 30, 2026 · 0.80% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.22%
Financial Health History
Lyons Federal Bank’s Texas Ratio stayed near 0.81% in Q3 2023 to 1.22% 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
$198M
1.22%
5.0
A+
March 31, 2026
$191M
1.23%
5.0
A+
December 31, 2025
$199M
0.52%
5.0
A+
September 30, 2025
$179M
0.34%
5.0
A+
June 30, 2025
$178M
0.25%
5.0
A+
March 31, 2025
$173M
0.43%
5.0
A+
December 31, 2024
$182M
0.69%
5.0
A+
September 30, 2024
$163M
0.99%
5.0
A+
June 30, 2024
$165M
1.76%
5.0
A+
March 31, 2024
$160M
1.20%
5.0
A+
December 31, 2023
$169M
0.94%
5.0
A+
September 30, 2023
$152M
0.81%
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 Lyons Federal 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 Lyons Federal 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 Lyons Federal Bank's official website for the most current offers and terms.
Lyons Federal Bank earned the Verified Healthy badge
Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, 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.
Customer Reviews
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Lyons Federal Bank
Frequently Asked Questions About Lyons Federal Bank
Does Lyons Federal Bank offer CDs?
Yes. Lyons Federal Bank current CD rates include its 60-Month CD at 3.19% APY, its 48-Month CD at 3.08% APY and its 36-Month CD at 3.03% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Lyons Federal Bank FDIC insured?
Yes. Lyons Federal 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 Lyons Federal Bank?
The highest Lyons Federal Bank CD rate is its Special 7-Month Certificate at 4.27% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Lyons Federal Bank offer?
Lyons Federal Bank CD rates are 1.76% APY for a 12 month CD, 1.96% APY for an 18 month CD, 2.88% APY for a 2 year CD, 2.98% APY for a 30 month CD, 3.03% APY for a 3 year CD, 3.08% APY for a 4 year CD and 3.19% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Lyons Federal Bank for its full lineup.
What is the highest savings rate at Lyons Federal Bank?
The highest Lyons Federal Bank savings rate is its Passbook Savings at 0.65% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Lyons Federal Bank?
The highest Lyons Federal Bank checking rate is its Advantage Checking at 1.50% APY, verified by MonitorBankRates as of November 6, 2026.
How many branches does Lyons Federal Bank operate?
Lyons Federal Bank currently maintains approximately 4 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, Lyons Federal 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, Lyons Federal Bank provides members with tools to manage their accounts and build a solid financial history.
Does Lyons Federal Bank offer online and mobile banking?
Most modern institutions like Lyons Federal 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.lyonsfed.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 Lyons Federal Bank rates compare?
Lyons Federal Bank's top CD rate of 4.27% APY on a 7 month CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. Lyons Federal Bank's top rates are its 7-Month Special 7-Month Certificate at 4.27% APY, its Passbook Savings at 0.65% APY and its Advantage Checking at 1.50% APY, verified by MonitorBankRates on November 6, 2026.
Current Lyons Federal Bank Rates
12-Month CD1.76%
18-Month CD1.96%
24-Month CD2.78%
36-Month CD2.93%
48-Month CD2.98%
60-Month CD3.09%
Savings0.65%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
