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Mount Vernon Bank

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Mount Vernon Bank Rates & Review August 2026

Q: How many branches does Mount Vernon Bank operate?

Mount Vernon Bank currently maintains approximately 3 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, Mount Vernon 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, Mount Vernon 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: August 29, 2026

Mount Vernon Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Mount Vernon Bank, and you can see how they compare in the Mount Vernon Bank rate tables below. MonitorBankRates evaluates the financial stability of Mount Vernon Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.09%. Database rates last updated and verified on 08/29/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

6.09%

Excellent Higher than avg

Mount Vernon Bank

115 N Railroad Ave
Mount Vernon, GA 30445

https://www.mountvernon.bank/

Current Rate Availability

We're not currently displaying rates for Mount Vernon Bank, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Mount Vernon 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 Mount Vernon 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 Mount Vernon Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Mount Vernon Bank

Bank Holding Company HEART OF GA BANCSHARES INC

Address 115 N Railroad Ave, Mount Vernon, GA 30445 · Montgomery

Website https://www.mountvernon.bank/

FDIC Certificate # 8028

Established 01/24/1901

FDIC Insurance Date 01/01/1934

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

4.9

Exceptional Out of 5.0 Stars

6.09%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2527%

Return on Equity (ROE) 30.2900%

Non-Performing Loans (NPL) 0.19%

Total Assets $188,645,000

Total Deposits $173,523,000

Equity Capital $13,069,000

Net Income $3,110,000

Headquarters Mount Vernon

Total Branches and Offices 3

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Mount Vernon 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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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Mount Vernon Bank

How many branches does Mount Vernon Bank operate?

Mount Vernon Bank currently maintains approximately 3 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, Mount Vernon 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, Mount Vernon Bank provides members with tools to manage their accounts and build a solid financial history.

Does Mount Vernon Bank offer online and mobile banking?

Most modern institutions like Mount Vernon 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.mountvernon.bank/.