What are the current interest rates at Martinsville FSB?

Current rates for Martinsville FSB include: 12-Month CD: 3.80%, 36-Month CD: 3.14%, Savings: 0.05%

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Martinsville FSB

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Martinsville FSB Rates & Review September 2026

Q: How many branches does Martinsville FSB operate?

Martinsville FSB currently maintains approximately 1 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, Martinsville FSB 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, Martinsville FSB provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Martinsville FSB's 27-month 27-Month Certificate of Deposit rates are at 3.90%, 27-Month CD rates are at 3.90%, 13-month 13-Month Certificate of Deposit rates are at 3.80%, 13-Month CD rates are at 3.80%, 9-month 9-Month Certificate of Deposit rates are at 3.53%. Martinsville FSB's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Martinsville FSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.65%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Martinsville FSB

25 W Church St
Martinsville, VA 24112

https://www.martinsvillefirst.com

Martinsville FSB CD Rates

Product	Rate	APY	Term
27 Month Certificate of Deposit	-	3.90%	27-month
Min Deposit $500 Details At maturity, the 27-month certificate will automatically renew for a term of 24 months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. Other fees and restriction may apply. This special is available for a limited time and is subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
27-Month CD	3.84%	3.90%	27-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
13 Month Certificate of Deposit	-	3.80%	13-month
Min Deposit $500 Details At maturity, the 13-month certificate will automatically renew for a term of 12 months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. Other fees and restriction may apply. This special is available for a limited time and is subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
13-Month CD	3.75%	3.80%	13-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
9 Month Certificate of Deposit	-	3.53%	9-month
Min Deposit $500 Details At maturity, the 9-month certificate will automatically renew for a term of 9 months. Funds must remain on deposit for the term of the certificate. Promotional rate is available for new money only. New money is defined as money not currently on deposit with the bank. A penalty for early withdrawal may apply. Fees could reduce earnings. Other fees and restriction may apply. This special is available for a limited time and is subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
9-Month CD	3.48%	3.53%	9-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
7 Month Certificate of Deposit	-	3.49%	7-month
Min Deposit $500 Details At maturity, the 7-month certificate will automatically renew for a term of 6 months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. Other fees and restriction may apply. This special is available for a limited time and is subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
7-Month CD	3.45%	3.49%	7-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
39 Month Certificate of Deposit	-	3.14%	39-month
Min Deposit $500 Details At maturity, the 39-month certificate will automatically renew for a term of 36 months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Fees could reduce earnings. Other fees and restriction may apply. This special is available for a limited time and is subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
39-Month CD	3.10%	3.14%	39-Month
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

Martinsville FSB Savings Rates

Product	Rate	APY
Savings Account	3.50%	3.56%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	3.25%	3.30%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	3.14%	3.15%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Perfect for New Savers	3.00%	3.04%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Uplift Savings	3.00%	3.04%
Min Deposit $50 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.30%	0.30%
Min Balance $10,000 Details Balances under $10,000 - 0.15%; Balances $10,000 to $50,000 - 0.17%; Balances $50,000 to 100,000 - 0.25%; Balances $100,000 or more - 0.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.25%	0.25%
Min Balance $10,000 Details Balances under $10,000 - 0.15%; Balances $10,000 to $50,000 - 0.17%; Balances $50,000 to 100,000 - 0.25%; Balances $100,000 or more - 0.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.17%	0.17%
Min Balance $10,000 Details Balances under $10,000 - 0.15%; Balances $10,000 to $50,000 - 0.17%; Balances $50,000 to 100,000 - 0.25%; Balances $100,000 or more - 0.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Savings Account	0.15%	0.15%
Min Balance $10,000 Details Balances under $10,000 - 0.15%; Balances $10,000 to $50,000 - 0.17%; Balances $50,000 to 100,000 - 0.25%; Balances $100,000 or more - 0.30% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Statement Savings	0.05%	0.05%
Min Balance $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Statement Savings	0.05%	0.05%
Min Deposit $10 Details $0 with average daily balance of $100; otherwise $1 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Martinsville FSB’s Texas Ratio fell from 4.91% in Q3 2023 to 1.65% in Q2 2026, so its financial health has improved and is now 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	$32M	1.65%	5.0	A+
March 31, 2026	$32M	2.79%	5.0	A+
December 31, 2025	$32M	3.37%	5.0	A+
September 30, 2025	$32M	3.40%	5.0	A+
June 30, 2025	$32M	3.88%	5.0	A+
March 31, 2025	$32M	4.13%	5.0	A+
December 31, 2024	$33M	4.99%	5.0	A+
September 30, 2024	$33M	3.50%	5.0	A+
June 30, 2024	$33M	3.77%	5.0	A+
March 31, 2024	$33M	4.93%	5.0	A+
December 31, 2023	$32M	5.12%	5.0	A+
September 30, 2023	$32M	4.91%	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 Martinsville FSB 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 Martinsville FSB 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 Martinsville FSB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Martinsville FSB

Bank Holding Company FIRST MUTUAL HOLDING CO

Address 25 W Church St, Martinsville, VA 24112 · Martinsville City

Website https://www.martinsvillefirst.com

FDIC Certificate # 29685

Established 19240101

FDIC Insurance Date 19890809

Domestic Offices 1

Total Branches 1

Regulator OCC

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

1.65%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4146%

Return on Equity (ROE) 1.8700%

Non-Performing Loans (NPL) 0.37%

Total Assets $32,068,000

Total Deposits $24,784,000

Equity Capital $7,170,000

Net Income $67,000

Headquarters Martinsville

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Martinsville FSB earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Martinsville FSB

How many branches does Martinsville FSB operate?

Martinsville FSB currently maintains approximately 1 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, Martinsville FSB 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, Martinsville FSB provides members with tools to manage their accounts and build a solid financial history.

Does Martinsville FSB offer online and mobile banking?

Most modern institutions like Martinsville FSB 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.martinsvillefirst.com.