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Mound City Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 12, 2026
Mound City Bank's top rates as of October 12, 2026 are 3.15% APY on its 36-Month Fixed Rate IRA CD, 0.10% APY on savings, 2.04% APY on money market accounts, 0.07% APY on checking, and 7.00% on its 15 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Mound City Bank CD rates include 48-Month Fixed Rate IRA at 3.00%, 60-Month Fixed Rate IRA at 3.00%, and 18-Month Fixed Rate IRA at 2.90%. Other Mound City Bank mortgage rates include Home Mortgage - 15 Year Fixed at 7.00%, 30 Year Fixed at 7.50%, and Home Mortgage - 30 Year Fixed at 7.50%. MonitorBankRates evaluates the financial stability of Mound City Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.68%. Rates last updated and verified on 10/12/2026.
Mound City 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 Mound City Bank? Share your experience about Mound City Bank by leaving a review below, or read customer reviews before you decide to use Mound City Bank.
Mound City Bank has earned an overall safety grade of A+ (Exceptional, Score: 100/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Mound City Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
0.68%
ExcellentLower than avg
Mound City Bank Texas Ratio
Mound City Bank's Texas Ratio is 0.68%, which is considered excellent and is lower than the national average of 5.85%.
Mound City Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.03% to 0.68% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
60 Month Variable Rate
0.50%
0.50%
60 Month
DetailsMinimum Guaranteed Interest Rate - 0.50%
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 2.65% → 0.50% ▼ 2.15 pts · high 2.65% / low 0.50%
Sep 28, 20260.50%▼ from 2.65%
Sep 20, 20262.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
48 Month Variable Rate
0.20%
0.20%
48 Month
DetailsMinimum Guaranteed Interest Rate - 0.20%
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 2.65% → 0.20% ▼ 2.45 pts · high 2.65% / low 0.20%
Sep 28, 20260.20%▼ from 2.65%
Sep 20, 20262.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
18 Month Variable Rate
0.10%
0.10%
18 Month
DetailsMinimum Guaranteed Interest Rate - 0.10%
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 2.39% → 0.10% ▼ 2.29 pts · high 2.39% / low 0.10%
Sep 28, 20260.10%▼ from 2.39%
Sep 20, 20262.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Savings Rates
Product
Rate
APY
View More
My Savings
0.10%
0.10%
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Non Profit Statement Savings
0.10%
0.10%
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Business Savings Rates
Product
Rate
APY
View More
Business Savings
0.10%
0.10%
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Money Market Rates
Product
Rate
APY
View More
My Money Market
0.10%
0.10%
Min Deposit$25
DetailsThe Daily Balance Method calculates interest applying a daily periodic rate to the principal in your account each day.
Last Updated10/12/2026
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Non Profit Money Market
0.10%
0.10%
Min Deposit$25
Last Updated10/12/2026
Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Business Money Market Rates
Product
Rate
APY
View More
Business Money Market
2.02%
2.04%
Min Balance$5,000,000
DetailsBalance: $5,000,000 - $6,999,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 2.04% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.92%
1.94%
Min Balance$3,000,000
DetailsBalance: $3,000,000 - $4,999,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.94% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.73%
1.75%
Min Balance$1,000,000
DetailsBalance: $1,000,000 - $2,999,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.63%
1.64%
Min Balance$750,000
DetailsBalance: $750,000 - $999,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.64% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.53%
1.54%
Min Balance$500,000
DetailsBalance: $500,000 - $749,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.54% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.43%
1.44%
Min Balance$250,000
DetailsBalance: $250,000 - $499,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.44% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
1.04%
1.05%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 1.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.84%
0.84%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated10/12/2026
Rate History
No change since Oct 8, 2026 · 0.84% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.40%
0.40%
Min Balance$20,000
DetailsBalance: $20,000 - $49,999
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.30% → 0.40% ▲ 0.10 pts · high 0.40% / low 0.30%
Oct 8, 20260.40%▲ from 0.30%
Sep 28, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.35%
0.35%
Min Balance$20,000
DetailsBalance: $20,000 & Over
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.30% → 0.35% ▲ 0.05 pts · high 0.35% / low 0.30%
Oct 8, 20260.35%▲ from 0.30%
Sep 28, 20260.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.30%
0.30%
Min Balance$0
DetailsBalance: $0 - $19,999
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.12% → 0.30% ▲ 0.18 pts · high 0.30% / low 0.12%
Oct 8, 20260.30%▲ from 0.12%
Sep 28, 20260.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.25%
0.25%
Min Balance$10,000
DetailsBalance: $10,000 - $19,999
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.20% → 0.25% ▲ 0.05 pts · high 0.25% / low 0.20%
Oct 8, 20260.25%▲ from 0.20%
Sep 28, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.20%
0.20%
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.15% → 0.20% ▲ 0.05 pts · high 0.20% / low 0.15%
Oct 8, 20260.20%▲ from 0.15%
Sep 28, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Business Money Market
0.17%
0.17%
Min Balance$0
DetailsBalance: $0 - $2,499
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.12% → 0.17% ▲ 0.05 pts · high 0.17% / low 0.12%
Oct 8, 20260.17%▲ from 0.12%
Sep 28, 20260.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Checking Rates
Product
Rate
APY
View More
Non Profit Interest Checking
0.07%
0.07%
Min Deposit$25
Min Balance$1,500
DetailsBalance: $1,500 and over
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Platinum Interest Checking
0.07%
0.07%
Min Deposit$25
Min Balance$1,500
DetailsBalance: $1,500 and over
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.07% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Fabulous 50 Interest Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Non Profit Interest Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
DetailsBalance: $0 - $1,499
Last Updated10/12/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Payday Interest Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Platinum Interest Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
DetailsBalance: $0 - $1,499
Last Updated10/12/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Business Checking Rates
Product
Rate
APY
View More
Business Interest Checking
0.03%
0.03%
Min Deposit$25
Min Balance$0
Last Updated10/12/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed
7.00%
-
7.096%
15 Year
No additional details.
Last Updated10/12/2026
Rate History
No change since Oct 3, 2026 · 7.10% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Home Mortgage - 15 Year Fixed
7.00%
-
7.096%
15 years
DetailsPayment Schedule: 180 payments of $1,348.24 at an interest rate of 7.000%
Last Updated10/12/2026
Rate History
1 change since Sep 24, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72%
Sep 28, 20267.10%▲ from 6.72%
Sep 24, 20266.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
30 Year Fixed
7.50%
-
7.561%
30 Year
No additional details.
Last Updated10/12/2026
Rate History
1 change since Oct 3, 2026 · 7.44% → 7.56% ▲ 0.13 pts · high 7.56% / low 7.44%
Oct 8, 20267.56%▲ from 7.44%
Oct 3, 20267.44%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Home Mortgage - 30 Year Fixed
7.50%
-
7.561%
30 years
DetailsPayment Schedule: 360 payments of $1,048.82 at an interest rate of 7.500%
Last Updated10/12/2026
Rate History
2 changes since Sep 24, 2026 · 7.06% → 7.56% ▲ 0.50 pts · high 7.56% / low 7.06%
Oct 8, 20267.56%▲ from 7.44%
Sep 28, 20267.44%▲ from 7.06%
Sep 24, 20267.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
20 Year Fixed
7.50%
-
7.579%
20 Year
No additional details.
Last Updated10/12/2026
Rate History
1 change since Oct 3, 2026 · 7.45% → 7.58% ▲ 0.13 pts · high 7.58% / low 7.45%
Oct 8, 20267.58%▲ from 7.45%
Oct 3, 20267.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Home Mortgage - 20 Year Fixed
7.50%
-
7.579%
20 years
DetailsPayment Schedule: 240 payments of $1,208.39 at an interest rate of 7.500%
Last Updated10/12/2026
Rate History
2 changes since Sep 24, 2026 · 7.08% → 7.58% ▲ 0.50 pts · high 7.58% / low 7.08%
Oct 8, 20267.58%▲ from 7.45%
Sep 28, 20267.45%▲ from 7.08%
Sep 24, 20267.08%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Mound City Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Health Savings Account Checking (HSA)
0.89%
-
0.89%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000 and over
Last Updated10/12/2026
Rate History
1 change since Sep 20, 2026 · 0.45% → 0.89% ▲ 0.44 pts · high 0.89% / low 0.45%
Oct 8, 20260.89%▲ from 0.45%
Sep 20, 20260.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account Checking (HSA)
0.49%
-
0.49%
Min Deposit$25
Min Balance$2,500
DetailsBalance: $2,500 - $9,999
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.20% → 0.49% ▲ 0.29 pts · high 0.49% / low 0.20%
Oct 8, 20260.49%▲ from 0.20%
Sep 28, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Health Savings Account Checking (HSA)
0.29%
-
0.29%
Min Deposit$25
Min Balance$1,000
DetailsBalance: $1,000 - $2,499
Last Updated10/12/2026
Rate History
1 change since Sep 28, 2026 · 0.12% → 0.29% ▲ 0.17 pts · high 0.29% / low 0.12%
Oct 8, 20260.29%▲ from 0.12%
Sep 28, 20260.12%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.68%
Financial Health History
Mound City Bank’s Texas Ratio rose from 0.03% in Q3 2023 to 0.68% 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
$551M
0.68%
5.0
A+
March 31, 2026
$546M
0.25%
5.0
A+
December 31, 2025
$544M
0.09%
5.0
A+
September 30, 2025
$516M
2.60%
5.0
A+
June 30, 2025
$516M
2.66%
5.0
A+
March 31, 2025
$506M
2.83%
5.0
A+
December 31, 2024
$500M
2.93%
5.0
A+
September 30, 2024
$504M
3.09%
5.0
A+
June 30, 2024
$499M
3.25%
5.0
A+
March 31, 2024
$484M
0.24%
5.0
A+
December 31, 2023
$471M
0.03%
5.0
A+
September 30, 2023
$460M
0.03%
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 Mound City 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 Mound City 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 Mound City Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameMound City Bank
Bank Holding CompanyMOUND CTY FINL SERVICES INC
Address
25 E Pine St,
Platteville, WI 53818 · Grant
Display this badge on your website to show visitors your Q2 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, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Mound City Bank
How many branches does Mound City Bank operate?
Mound City Bank currently maintains approximately 6 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, Mound City 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, Mound City Bank provides members with tools to manage their accounts and build a solid financial history.
Does Mound City Bank offer online and mobile banking?
Most modern institutions like Mound City 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.moundcitybank.com.
Current Mound City Bank Rates
18-Month CD0.10%
36-Month CD3.15%
48-Month CD0.20%
60-Month CD0.50%
Savings0.10%
MMA2.04%
Retrieved from our database of financial products. Rates subject to change.