What are the current interest rates at Mason City National Bank?

Current rates for Mason City National Bank include: 12-Month CD: 3.53%, 24-Month CD: 3.02%, 36-Month CD: 2.77%, 48-Month CD: 2.77%, 60-Month CD: 2.77%, Savings: 0.50%, MMA: 0.85%

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Mason City National Bank

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Mason City National Bank Rates & Review September 2026

Q: How many branches does Mason City National Bank operate?

Mason City National Bank 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: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mason City National 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 and Verified: September 14, 2026

Mason City National Bank's 12-Month Certificate rates are at 3.53%, 182 Day Certificate rates are at 3.02%, 24-Month Certificate rates are at 3.02%, 36-Month Certificate rates are at 2.77%, 48-Month Certificate rates are at 2.77%. Mason City National Bank's savings rates are at 0.50%. Mason City National Bank's money market rates are at 0.85%. MonitorBankRates evaluates the financial stability of Mason City National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 09/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Mason City National Bank

104 W Pine St
Mason City, IL 62664

https://onlinebanking.masoncitynationalbank.com

Mason City National Bank CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.50%	3.53%	12 Month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
182 Day Certificate	3.00%	3.02%	182 Day
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
24 Month Certificate	3.00%	3.02%	24 Month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
36 Month Certificate	2.75%	2.77%	36 Month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
48 Month Certificate	2.75%	2.77%	48 Month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
60 Month Certificate	2.75%	2.77%	60 Month
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
91 Day Certificate	2.75%	2.77%	91 Day
Min Deposit $500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Mason City National Bank Savings Rates

Product	Rate	APY
Christmas Club	0.50%	0.50%
No additional details. Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Regular Savings Account	0.50%	0.50%
Min Deposit $250 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Mason City National Bank Money Market Rates

Product	Rate	APY	View More
Money Market	0.85%	0.85%
Min Deposit $2,500 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Mason City National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW Account	0.35%	-	0.35%
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Mason City National Bank’s Texas Ratio stayed near 0.20% in Q3 2023 to 0.40% 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	$91M	0.40%	5.0	A+
March 31, 2026	$88M	0.44%	5.0	A+
December 31, 2025	$87M	0.47%	5.0	A+
September 30, 2025	$84M	0.47%	5.0	A+
June 30, 2025	$75M	0.57%	5.0	A+
March 31, 2025	$78M	0.61%	5.0	A+
December 31, 2024	$78M	0.71%	5.0	A+
September 30, 2024	$81M	2.66%	5.0	A+
June 30, 2024	$79M	2.06%	5.0	A+
March 31, 2024	$84M	0.77%	5.0	A+
December 31, 2023	$82M	0.15%	5.0	A+
September 30, 2023	$81M	0.20%	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 Mason City National 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 Mason City National 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 Mason City National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Mason City National Bank

Bank Holding Company MASON CITY BCORP INC

Address 104 W Pine St, Mason City, IL 62664 · Mason

Website https://onlinebanking.masoncitynationalbank.com

FDIC Certificate # 16198

Established 19441009

FDIC Insurance Date 19441009

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.40%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5567%

Return on Equity (ROE) 12.5700%

Non-Performing Loans (NPL) 0.02%

Total Assets $91,415,000

Total Deposits $80,069,000

Equity Capital $11,045,000

Net Income $692,000

Headquarters Mason City

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Mason City National 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 — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Mason City National Bank

How many branches does Mason City National Bank operate?

Mason City National Bank 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, Mason City National 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, Mason City National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Mason City National Bank offer online and mobile banking?

Most modern institutions like Mason City National 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://onlinebanking.masoncitynationalbank.com.