What are the current interest rates at Montgomery Bank?

Current rates for Montgomery Bank include: 12-Month CD: 3.75%, 18-Month CD: 3.25%, 24-Month CD: 3.25%, 36-Month CD: 3.25%, 48-Month CD: 3.25%, 60-Month CD: 3.25%, Savings: 0.01%, MMA: 0.07%

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Montgomery Bank

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Montgomery Bank Rates & Review September 2026

Q: How many branches does Montgomery Bank operate?

Montgomery Bank currently maintains approximately 12 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, Montgomery 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, Montgomery 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 18, 2026

Montgomery Bank's 13-Months 13-Month Certificates of Deposit rates are at 3.75%, 6-Months 6-Month Certificates of Deposit rates are at 3.51%, 10-Months 10-Month Certificates of Deposit rates are at 3.25%, 18-Months 18-Month Certificates of Deposit rates are at 3.25%, 25-Months 25-Month Certificates of Deposit rates are at 3.25%. Montgomery Bank's savings rates are at 0.01%. Montgomery Bank's money market rates are at 0.07%. Montgomery Bank's Auto Loan Rates are as low as 7.22%. MonitorBankRates evaluates the financial stability of Montgomery Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.43%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.43%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Montgomery Bank

1 Montgomery Bank Plaza St
Sikeston, MO 63801

https://www.montgomerybank.com

Montgomery Bank CD Rates

Product	Rate	APY	Term
13 Month Certificates of Deposit	3.70%	3.75%	13 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
6 Month Certificates of Deposit	3.46%	3.51%	6 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
10 Month Certificates of Deposit	3.21%	3.25%	10 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
18 Month Certificates of Deposit	3.21%	3.25%	18 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
25 Month Certificates of Deposit	3.21%	3.25%	25 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
3 Month Certificates of Deposit	3.21%	3.25%	3 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
35 Month Certificates of Deposit	3.21%	3.25%	35 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
4 Year Certificates of Deposit	3.21%	3.25%	4 Years
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
5 Month Certificates of Deposit	3.21%	3.25%	5 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
5 Year Certificates of Deposit	3.21%	3.25%	5 Years
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
7 Month Certificates of Deposit	3.21%	3.25%	7 Months
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%

Montgomery Bank Savings Rates

Product	Rate	APY
Kid's Club Savings	4.92%	5.01%
Min Balance $0 Details Balance: $0 - $500.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eGold Savings Account	1.99%	3.01%
Min Deposit $100 Min Balance $50,000 Details Qualifications Required: 12 point-of-sale Montgomery Bank MasterCard debit card purchases post and settle; at least 1 automatic payment (ACH) or direct deposit post and settle; maintain a valid email address, be enrolled in electronic banking, and receive e-statement (monthly bank statements via the Internet); APY ranges from 3.01% - 1.05% on excess funds over $50,000.00. Interest rate paid on portion of daily balance greater than $50,000.00 is 0.07%. When eGold Savings qualifications are not met, interest rate is 0.01% and APY is 0.01%. Interest will be compounded on a monthly basis. Interest will be credited to your account on the last day of the statement cycle. Product is limited to one Montgomery eBlue Savings account or one Montgomery eGold Savings account per individual (tax identification number). Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eGold Savings Account	2.97%	3.01%
Min Balance $0 Details Balance: $0 - $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eBlue Savings Account	1.99%	2.01%
Min Balance $0 Details Balance: $0 - $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery New Start Savings	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery New Start Savings	0.07%	0.07%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery New Start Savings	0.07%	0.07%
Min Balance $50,000 Details Balance: $50,000.01 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery New Start Savings	0.06%	0.06%
Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery New Start Savings	0.06%	0.06%
Min Balance $5,000 Details Balance: $5,000.00 - $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eBlue Savings Account	0.01%	0.01%
Details If Requirements For Account Are Not Met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eGold Savings Account	0.01%	0.01%
Details If Requirements For Account Are Not Met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%

Montgomery Bank Checking Rates

Product	Rate	APY
Montgomery eGold Checking Account	2.97%	3.01%
Min Deposit $50 Min Balance $15,000 Details Qualifications Required: 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); at least one monthly direct deposit or ACH auto debit; receive your monthly bank statements via electronic banking; have one or more qualified mortgage, home equity or commercial loan with Montgomery Bank; APY ranges from 3.01% - 0.52 on excess funds over $15,000.00. Interest rate paid on daily balances greater than $15,000.00 is 0.15%. If minimum requirements are not met, account will earn 0.01% APY on the entire balance and will not receive ATM fee refunds. Maximum ATM fee refund per cycle is $6. Available for personal accounts only. Limit one eGold Checking account per Tax Identification Number (TIN). Fees may reduce earnings. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eGold Checking Account	2.97%	3.01%
Min Balance $0 Details Balance: $0 - $15,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eBlue Checking Account	1.99%	2.01%
Min Balance $0 Details Balance: $0 - $15,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eTeen Checking	1.99%	2.01%
Min Balance $0 Details Balance: $0 - $1,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery Gold Money Market Checking	0.07%	0.07%
Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery Gold Money Market Checking	0.07%	0.07%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery Gold Money Market Checking	0.07%	0.07%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery Gold Money Market Checking	0.07%	0.07%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery Gold Money Market Checking	0.07%	0.07%
Min Balance $50,000 Details Balance: $50,000.01 and above Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eBlue Checking Account	0.01%	0.01%
Details If Requirements For Accounts Are Not Met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Montgomery eGold Checking Account	0.01%	0.01%
Details If Requirements For Accounts Are Not Met Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%

Montgomery Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	7.22%	72 months
Details Annual Percentage Rate (APR) is based on (for example) a loan of $30,000 with a repayment of 72 months, an interest rate of 7.22% with automatic payment debit from Montgomery Bank account. $75 origination fee applicable. Stated APR is based on a new purchase - 2026 model. Other rates are available for other model years and refinances. Subject to credit approval. Other terms and conditions may apply. Rates are effective November 20, 2025 and are subject to change. Automatic payment debit from Montgomery Bank account is required to get stated rate. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Auto Loans	-	-	7.62%	72 months
Details Annual Percentage Rate (APR) is based on (for example) a loan of $30,000 with a repayment of 72 months, an interest rate of 7.62% with automatic payment debit from Montgomery Bank account. $75 origination fee applicable. Stated APR is based on a new purchase - 2025 model. Other rates are available for other model years and refinances. Subject to credit approval. Other terms and conditions may apply. Rates are effective November 21, 2024 and are subject to change. Automatic payment debit from Montgomery Bank account is required to get stated rate. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%

Montgomery Bank Other Rates

Product	Rate	Points	APY/APR
Health Savings Checking Account HSA	0.15%	-	0.15%
Min Balance $0 Details Balance: $0 - $5,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Health Savings Checking Account HSA	0.50%	-	0.50%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Health Savings Checking Account HSA	1.00%	-	1.00%
Min Balance $10,000 Details Balance: $10,000.01 - 25,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Health Savings Checking Account HSA	1.50%	-	1.50%
Min Balance $25,000 Details Balance: $25,000.01 - 50,000.00 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%
Health Savings Checking Account HSA	1.50%	-	1.50%
Min Balance $50,000 Details Balance: $50,000.01+ Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.43%

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

Montgomery Bank’s Texas Ratio rose from 0.99% in Q3 2023 to 3.43% 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	$1.2B	3.43%	5.0	A+
March 31, 2026	$1.2B	2.52%	5.0	A+
December 31, 2025	$1.2B	2.77%	5.0	A+
September 30, 2025	$1.2B	2.30%	5.0	A+
June 30, 2025	$1.2B	2.59%	5.0	A+
March 31, 2025	$1.2B	3.18%	5.0	A+
December 31, 2024	$1.2B	2.67%	5.0	A+
September 30, 2024	$1.2B	2.97%	5.0	A+
June 30, 2024	$1.2B	1.28%	5.0	A+
March 31, 2024	$1.2B	0.48%	5.0	A+
December 31, 2023	$1.3B	0.42%	5.0	A+
September 30, 2023	$1.4B	0.99%	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 Montgomery 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 Montgomery 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 Montgomery Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Montgomery Bank

Bank Holding Company MONTGOMERY BCORP INC

Address 1 Montgomery Bank Plaza St, Sikeston, MO 63801 · Scott

Website https://www.montgomerybank.com

FDIC Certificate # 8255

Established 19340101

FDIC Insurance Date 19340101

Domestic Offices 12

Total Branches 12

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.43%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6347%

Return on Equity (ROE) 14.9000%

Non-Performing Loans (NPL) 0.38%

Total Assets $1,184,557,000

Total Deposits $1,025,868,000

Equity Capital $132,269,000

Net Income $9,823,000

Headquarters Sikeston

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Montgomery Bank earned the Verified Healthy badge

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Frequently Asked Questions About Montgomery Bank

How many branches does Montgomery Bank operate?

Montgomery Bank currently maintains approximately 12 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, Montgomery 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, Montgomery Bank provides members with tools to manage their accounts and build a solid financial history.

Does Montgomery Bank offer online and mobile banking?

Most modern institutions like Montgomery 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.montgomerybank.com.