What are the current interest rates at Minster Bank?

Current rates for Minster Bank include: 18-Month CD: 3.30%, Savings: 0.25%, MMA: 0.55%

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Minster Bank

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Minster Bank Rates & Review September 2026

Q: How many branches does Minster Bank operate?

Minster Bank currently maintains approximately 7 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, Minster 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Minster 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 19, 2026

Minster Bank's 18-month 18-Month Certificate rates are at 3.65%, 7-month 7-Month Certificate rates are at 3.60%, 18-month 18-Month Certificate rates are at 3.50%, 7-month 7-Month Certificate rates are at 3.45%, 18-month 18-Month Certificate rates are at 3.30%. Minster Bank's savings rates are at 0.25%. Minster Bank's money market rates are at 0.55%. Minster Bank's 15 Year Fixed Rate Conventional Loan rates are at 6.62%, 10 Year Fixed Rate Conventional Loan rates are at 6.62%, 30 Year Fixed Rate Conventional Loan rates are at 7.00%, 20 Year Fixed Rate Conventional Loan rates are at 7.00%. MonitorBankRates evaluates the financial stability of Minster Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.90%. Rates last updated and verified on 09/19/2026.

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

0.90%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Minster Bank

95 W 4th St
Minster, OH 45865

https://www.minsterbank.com

Minster Bank CD Rates

Product	Rate	APY	Term
18 Month Certificate	3.59%	3.65%	18-month
Min Balance $100,000 Details Amount: $100,000 and greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
7 Month Certificate	3.54%	3.60%	7-month
Min Balance $100,000 Details Amount: $100,000 and greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
18 Month Certificate	3.44%	3.50%	18-month
Min Balance $5,000 Details Amount: $5,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
7 Month Certificate	3.39%	3.45%	7-month
Min Balance $5,000 Details Amount: $5,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
18 Month Certificate	3.25%	3.30%	18-month
Min Balance $1,000 Details Amount: $1,000-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
7 Month Certificate	3.20%	3.25%	7-month
Min Balance $1,000 Details Amount: $1,000-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Minster Bank Savings Rates

Product	Rate	APY
High-Yield Savings	3.59%	3.65%
Min Balance $100,000 Details Balance: $100,000 and greater Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
High-Yield Savings	3.44%	3.50%
Min Balance $5,000 Details Balance: $5,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
High-Yield Savings	3.25%	3.30%
Min Balance $1,000 Details Balance: $1,000-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
INVESTMENT SAVINGS + IRA	-	1.20%
Min Balance $25,000 Details ON BALANCES $25,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Investment Savings	1.04%	1.05%
Min Deposit $500 Min Balance $25,000 Details Minimum Balance to Receive APY*: $25,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Investment Savings	0.55%	0.55%
Min Deposit $500 Min Balance $10,000 Details Minimum Balance to Receive APY*: $10,000-$24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Investment Savings	0.50%	0.50%
Min Deposit $500 Min Balance $5,000 Details Minimum Balance to Receive APY*: $5,000-$9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Health Savings Account (HSA)	0.40%	0.40%
Min Deposit $0 Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Investment Savings	0.40%	0.40%
Min Deposit $500 Min Balance $500 Details Minimum Balance to Receive APY*: $500-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Health Savings Account (HSA)	0.35%	0.35%
Min Deposit $0 Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Health Savings Account (HSA)	0.30%	0.30%
Min Deposit $0 Min Balance $5,000 Details Balance: $5,000-$9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Health Savings Account (HSA)	0.25%	0.25%
Min Deposit $0 Min Balance $0 Details Balance: $0-$4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Holiday Savings	0.25%	0.25%
Min Deposit $25 Min Balance $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Holiday Savings	0.25%	0.25%
Min Deposit $25 Details Minimum Balance to Avoid Fees: $25 per week Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Regular & Minor Savings	0.25%	0.25%
Min Deposit $25 Min Balance $25 Details Balance: $25 if under 18 years old; Minimum Balance to Avoid Fees: $200 if 18 or older Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Regular & Minor Savings	0.25%	0.25%
Min Deposit $25 Min Balance $200 Details Minimum Balance to Avoid Fees: $25 if under 18 years old Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Regular & Minor Savings	0.25%	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0 the first 9 months $200 after 9 months; Minimum Balance to Receive APY*: N/A Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Minster Bank Money Market Rates

Product	Rate	APY
Money Market Advantage & Money Market Advantage IRA	2.96%	3.00%
Min Deposit $10,000 Min Balance $2,500,000 Details Balance: $2,500,000+ Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	2.81%	2.85%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: $1,000,000-$2,499,999; Balance: $1,000,000-$2,499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	2.71%	2.75%
Min Deposit $10,000 Min Balance $500,000 Details Balance: $500,000-$999,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	2.47%	2.50%
Min Deposit $10,000 Min Balance $250,000 Details Balance: $250,000-$499,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	1.98%	2.00%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	1.19%	1.20%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000-$99,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Money Market Advantage & Money Market Advantage IRA	0.55%	0.55%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000-$24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Minster Bank Checking Rates

Product	Rate	APY
Relationship Checking	0.65%	0.65%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000+; Minimum Balance to Avoid Monthly Fee: $2,000 in Checking or $5,000 in Savings or $10,000 in Deposits (including CDs and IRAs); Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Relationship Checking	0.50%	0.50%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000-$24,999; Minimum Balance to Avoid Monthly Fee: $2,000 in Checking or $5,000 in Savings or $10,000 in Deposits (including CDs and IRAs); Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Relationship Checking	0.45%	0.45%
Min Deposit $50 Min Balance $5,000 Details Balance: $5,000-$9,999; Minimum Balance to Avoid Monthly Fee: $2,000 in Checking or $5,000 in Savings or $10,000 in Deposits (including CDs and IRAs); Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Relationship Checking	0.35%	0.35%
Min Deposit $50 Min Balance $0 Details Balance: $0-$4,999; Minimum Balance to Avoid Monthly Fee: $2,000 in Checking or $5,000 in Savings or $10,000 in Deposits (including CDs and IRAs); Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Interest Checking	0.20%	0.20%
Min Deposit $50 Min Balance $1,000 Details Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned; Minimum Balance to Receive APY*: N/A Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
Interest Checking	0.20%	0.20%
Min Deposit $50 Details Minimum Balance to Avoid Monthly Fee: $1,000; Monthly Fee if Below Minimum Balance: $9 if check images are not returned or $11 if check images are returned Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Minster Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Rate Conventional Loan	6.63%	0%	6.74%	15 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
10 Year Fixed Rate Conventional Loan	6.63%	0%	6.78%	10 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
30 Year Fixed Rate Conventional Loan	7.00%	0%	7.07%	30 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%
20 Year Fixed Rate Conventional Loan	7.00%	0%	7.09%	20 Year Fixed
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

Minster Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
America Saves	0.25%	-	0.25%
Min Deposit $25 Min Balance $0 Details Balance: $0 the first 9 months; Minimum Balance to Avoid Fees: $200 after 9 months Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.90%

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

Minster Bank’s Texas Ratio fell from 8.03% in Q3 2023 to 0.90% 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 4.2 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$812M	0.90%	5.0	A+
March 31, 2026	$814M	1.05%	5.0	A+
December 31, 2025	$802M	1.08%	5.0	A+
September 30, 2025	$806M	0.61%	5.0	A+
June 30, 2025	$773M	0.74%	5.0	A+
March 31, 2025	$778M	0.37%	5.0	A+
December 31, 2024	$758M	1.67%	5.0	A+
September 30, 2024	$741M	5.84%	5.0	A+
June 30, 2024	$734M	6.73%	5.0	A
March 31, 2024	$718M	7.15%	5.0	A
December 31, 2023	$723M	7.09%	5.0	A
September 30, 2023	$708M	8.03%	4.2	B+

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 Minster 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 Minster 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 Minster Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Minster Bank

Bank Holding Company MINSTER FINANCIAL CORP

Address 95 W 4th St, Minster, OH 45865 · Auglaize

Website https://www.minsterbank.com

FDIC Certificate # 763

Established 19140123

FDIC Insurance Date 19340101

Domestic Offices 7

Total Branches 7

Regulator FED

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

0.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6202%

Return on Equity (ROE) 19.0400%

Non-Performing Loans (NPL) 0.08%

Total Assets $811,604,000

Total Deposits $719,375,000

Equity Capital $72,182,000

Net Income $6,556,000

Headquarters Minster

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Minster Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Minster Bank

How many branches does Minster Bank operate?

Minster Bank currently maintains approximately 7 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, Minster 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, Minster Bank provides members with tools to manage their accounts and build a solid financial history.

Does Minster Bank offer online and mobile banking?

Most modern institutions like Minster 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.minsterbank.com.

Current Minster Bank Rates

18-Month CD3.30%
Savings0.25%
MMA0.55%

Retrieved from our database of financial products. Rates subject to change.

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