What are the current interest rates at MRV Banks?

Current rates for MRV Banks include: 12-Month CD: 4.10%

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MRV Banks Rates & Review September 2026

Q: How many branches does MRV Banks operate?

MRV Banks currently maintains approximately 5 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, MRV Banks 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, MRV Banks 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

MRV Banks's 12-Month CD rates are at 4.10%, 15-Month Bump Up CD rates are at 4.10%, 3 or 6-Month CD rates are at 4.10%. MonitorBankRates evaluates the financial stability of MRV Banks with a 1.6 Star Rating, an F Overall Health Grade, and a Texas Ratio of 56.27%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

High Risk Health Score: 37/100

MonitorBankRates Rating

1.6

Weak Out of 5.0 Stars

Texas Ratio

56.27%

Weak Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

MRV Banks

871 Sainte Genevieve Drive
Sainte Genevieve, MO 63670

https://www.mrvbanks.com

MRV Banks CD Rates

Product	Rate	APY	Term
12 Month CD	-	4.10%	12 Month
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 09/19/2026 Institution Ratings 1.6 Star Rating F Health Grade ◈ Texas Ratio: 56.27%
15 Month Bump Up CD	-	4.10%	15 Month
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal, and the rate my change after account opening. Fees could reduce earnings on the account. Last Updated 09/19/2026 Institution Ratings 1.6 Star Rating F Health Grade ◈ Texas Ratio: 56.27%
3 or 6 Month CD	-	4.10%	3 or 6 Month
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield (APY) is accurate as of 09/15/2026. A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Last Updated 09/19/2026 Institution Ratings 1.6 Star Rating F Health Grade ◈ Texas Ratio: 56.27%

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

MRV Banks’s Texas Ratio rose from 0.70% in Q3 2023 to 56.27% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 1.6 and its Health Grade from A+ to F. 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	$803M	56.27%	1.6	F
March 31, 2026	$787M	53.95%	1.8	F
December 31, 2025	$858M	50.94%	2.0	F
September 30, 2025	$810M	34.76%	3.4	D
June 30, 2025	$764M	39.70%	2.9	F
March 31, 2025	$762M	23.73%	4.3	B-
December 31, 2024	$823M	25.15%	4.2	C+
September 30, 2024	$739M	22.08%	4.4	B
June 30, 2024	$743M	19.34%	4.6	B
March 31, 2024	$726M	13.31%	5.0	A
December 31, 2023	$733M	0.46%	5.0	A+
September 30, 2023	$730M	0.70%	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 MRV Banks 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 MRV Banks 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 MRV Banks's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name MRV Banks

Bank Holding Company MRV FINANCIAL CORP

Address 871 Sainte Genevieve Drive, Sainte Genevieve, MO 63670 · Ste. Genevieve

Website https://www.mrvbanks.com

FDIC Certificate # 58619

Established 20070716

FDIC Insurance Date 20070716

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 37/100

1.6

Weak Out of 5.0 Stars

56.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5773%

Return on Equity (ROE) 14.5300%

Non-Performing Loans (NPL) 4.73%

Total Assets $803,087,000

Total Deposits $668,452,000

Equity Capital $91,709,000

Net Income $6,436,000

Headquarters Sainte Genevieve

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About MRV Banks

How many branches does MRV Banks operate?

MRV Banks currently maintains approximately 5 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, MRV Banks 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, MRV Banks provides members with tools to manage their accounts and build a solid financial history.

Does MRV Banks offer online and mobile banking?

Most modern institutions like MRV Banks 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.mrvbanks.com.