What are the current interest rates at Merchants & Marine Bank?

Current rates for Merchants & Marine Bank include:

Merchants & Marine Bank Rates and Review February 2026

Content reviewed by

Brian McKay

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Merchants & Marine Bank Deposit Rates

You can compare Merchants & Marine Bank rates to other rates in our database, including 12-month CD rates currently at 2.75%, 6-month CD rates at 3.75% and 3-month CD rates at 0.05%. Savings rates are at 0.25% and money market rates are at 1.13%. Mortgage rates on 30-year fixed loans are around 5.78%. All these rates, and more, can be found in our database of rates which you can compare to Merchants & Marine Bank rates.

Rate Updates and Availability

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

Merchants & Marine Bank Texas Ratio

Merchants & Marine Bank's Texas Ratio is at 3.72%, which is considered excellent. The Texas Ratio for Merchants & Marine Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Merchants & Marine Bank has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Merchants & Marine Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Merchants & Marine Bank

3118 Pascagoula St
Pascagoula, MS 39567

https://WWW.MANDMBANK.COM

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Current Rate Availability

We do not have Merchants & Marine Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

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

Bank Profile & Overview

Merchants & Marine Bank

3118 Pascagoula St
Pascagoula, MS 39567
Jackson
Established Date: 01/11/1932
FDIC Certificate #: 12203
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: MERCHANTS&MARINE BCORP INC

How Many Domestic U.S. Offices? 16

How Many Branches are There? 18

Website: https://WWW.MANDMBANK.COM

Is Merchants & Marine Bank FDIC Insured? Yes

What is Merchants & Marine Bank's Cert number? 12203

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$673,060,000

Total Deposits:

$518,471,000

Equity Capital:

$90,512,000

Net Income:

$714,000

Return on Assets (ROA):

1.0932%

Return on Equity (ROE):

8.4000%

Headquarters:

Pascagoula

Regulator:

FDIC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Frequently Asked Questions About Merchants & Marine Bank

How do I open an account at Merchants & Marine Bank?

You can typically open an account at Merchants & Marine Bank by visiting a local branch or applying through their official website.

Is there a first-time homebuyer program?

Currently, Merchants & Marine Bank provides a range of mortgage and home equity products.

Is Merchants & Marine Bank a safe place to deposit money?

Yes, Merchants & Marine Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.