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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Municipal Bank Rates & Review November 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: November 7, 2026
Municipal Bank's 60-Month Standard CD rates are at 0.75%, 48-Month Standard CD rates are at 0.65%, 36-Month Standard CD rates are at 0.60%, 30-Month Standard CD rates are at 0.53%, 24-Month Standard CD rates are at 0.50%. Municipal Bank's savings rates are at 0.70%. Municipal Bank's checking rates are as high as 0.12%. Municipal Bank's top CD rate of 4.15% APY on a 15 month CD is 39% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Municipal Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.16%. Rates last updated and verified on 11/07/2026.
Municipal 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 Municipal Bank? Share your experience about Municipal Bank by leaving a review below, or read customer reviews before you decide to use Municipal Bank.
Municipal 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
Municipal 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
?
0.16%
ExcellentLower than avg
Municipal Bank Texas Ratio
Municipal Bank's Texas Ratio is 0.16%, which is considered excellent and is lower than the national average of 5.85%.
Municipal 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.
0.00% to 0.16% 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.
Municipal Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
Piper Special 15-Month CD
-
4.15%
15 Month
$50,000
Min Deposit$50,000
DetailsNew money only; minimum opening $50,000 and maximum deposit $1,000,000; APY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 4.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
13-Month CD Special
-
4.00%
13 Month
$5,000
Min Deposit$5,000
DetailsMinimum opening $5,000 and maximum deposit $500,000; APY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
2 changes since Sep 28, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
Nov 7, 20264.00%▲ from 3.70%
Oct 3, 20263.70%▲ from 3.65%
Sep 28, 20263.65%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
5-Month CD Special
-
3.75%
5 Month
$5,000
Min Deposit$5,000
DetailsMinimum opening $5,000 and maximum deposit $500,000; APY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
9-Month CD Special
-
3.75%
9 Month
$25,000
Min Deposit$25,000
DetailsMinimum opening $25,000 and maximum deposit $500,000; APY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
4 changes since Sep 28, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.85% / low 3.55%
Nov 7, 20263.75%▲ from 3.60%
Oct 14, 20263.60%▼ from 3.85%
Oct 12, 20263.85%▲ from 3.60%
Oct 3, 20263.60%▲ from 3.55%
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
60-Month Standard CD
-
0.75%
60 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.75% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
48-Month Standard CD
-
0.65%
48 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.65% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
36-Month Standard CD
-
0.60%
36 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
30-Month Standard CD
-
0.53%
30 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.53% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24-Month Standard CD
-
0.50%
24 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
18-Month Standard CD
-
0.45%
18 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
12-Month Standard CD
-
0.40%
12 Month
$1,000
Min Deposit$1,000
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.40% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
6-Month Standard CD
-
0.36%
6 Month
$2,500
Min Deposit$2,500
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.36% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
3-Year Standard IRA CD
-
0.35%
3 Years
$500
Min Deposit$500
DetailsAPY compounded annually; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 0.35% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
90 Day Standard CD
-
0.30%
90 Day
$2,500
Min Deposit$2,500
DetailsAPY compounded quarterly; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
30-Month Standard IRA CD
-
0.28%
30 Months
$500
Min Deposit$500
DetailsAPY compounded annually; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 0.28% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
2-Year Standard IRA CD
-
0.25%
2 Years
$500
Min Deposit$500
DetailsAPY compounded annually; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
18-Month Standard IRA CD
-
0.20%
18 Months
$500
Min Deposit$500
DetailsAPY compounded annually; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 0.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
1-Year Standard IRA CD
-
0.15%
1 Year
$500
Min Deposit$500
DetailsAPY compounded annually; rates effective through November 12, 2026
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 0.15% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Municipal Bank Savings Rates
Product
Rate
APY
View More
24K Savings Account
0.70%
0.70%
Min Deposit$5,000
Min Balance$150,000
DetailsBalance: $150,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.70%
0.70%
Min Deposit$2,500
Min Balance$150,000
DetailsBalance: $150,000+; $25 monthly service charge waived with $2,500 daily minimum balance; $50 early close fee if closed within first 6 months
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.50%
0.50%
Min Deposit$5,000
Min Balance$75,000
DetailsBalance: $75,000-$149,999.99
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.50%
0.50%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000-$149,999.99; $25 monthly service charge waived with $2,500 daily minimum balance; $50 early close fee if closed within first 6 months
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.40%
0.40%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.40%
0.40%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99; $25 monthly service charge waived with $2,500 daily minimum balance; $50 early close fee if closed within first 6 months
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Savings Account
0.25%
0.25%
Min Deposit$5,000
Min Balance$2,500
DetailsBalance: $2,500-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Statement Savings
0.04%
0.04%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Statement Savings
0.04%
0.04%
Min Deposit$300
Min Balance$25,000
DetailsBalance: $25,000+; $6.50 monthly service charge waived with $300 daily minimum balance; $50 early close fee if closed within first 6 months
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Christmas Club Savings
0.03%
0.03%
Min Deposit$5,000
DetailsInterest compounds annually
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Christmas Club Savings
0.03%
0.03%
Min Deposit$25
DetailsNo early withdrawals; Additional deposit account relationship required; Interest compounds annually; $50 early close fee if closed within first 6 months
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Minor Savings
0.03%
0.03%
Min Deposit$25
Min Balance$25
DetailsAges 18 and under; converts to Statement Savings at age 19; $4 monthly service charge waived with $25 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Oct 22, 2026 · 0.03% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Statement Savings
0.03%
0.03%
Min Deposit$5,000
Min Balance$300
DetailsBalance: $300-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Municipal Bank Business Savings Rates
Product
Rate
APY
View More
24K Commercial Savings Account
0.70%
0.70%
Min Deposit$5,000
Min Balance$150,000
DetailsBalance: $150,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.70%
0.70%
Min Deposit$500
Min Balance$150,000
DetailsBalance: $150,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.50%
0.50%
Min Deposit$5,000
Min Balance$75,000
DetailsBalance: $75,000-$149,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.50%
0.50%
Min Deposit$500
Min Balance$75,000
DetailsBalance: $75,000-$149,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.40%
0.40%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.40%
0.40%
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000-$74,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.40% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.25%
0.25%
Min Deposit$5,000
Min Balance$2,500
DetailsBalance: $2,500-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
24K Commercial Savings Account
0.25%
0.25%
Min Deposit$500
Min Balance$2,500
DetailsBalance: $2,500-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Commercial Statement Savings
0.04%
0.04%
Min Deposit$5,000
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Commercial Statement Savings
0.04%
0.04%
Min Deposit$500
Min Balance$25,000
DetailsBalance: $25,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.04% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Commercial Statement Savings
0.03%
0.03%
Min Deposit$5,000
Min Balance$300
DetailsBalance: $300-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Commercial Statement Savings
0.03%
0.03%
Min Deposit$500
Min Balance$300
DetailsBalance: $300-$24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Municipal Bank Checking Rates
Product
Rate
APY
View More
Prestige Checking
0.12%
0.12%
Min Deposit$5,000
Min Balance$100,000
DetailsBalance: $100,000+
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.12%
0.12%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000+; $10 monthly service charge waived with $2,500.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.12% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.05%
0.05%
Min Deposit$5,000
Min Balance$75,000
DetailsBalance: $75,000-$99,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.05%
0.05%
Min Deposit$2,500
Min Balance$75,000
DetailsBalance: $75,000-$99,999.99; $10 monthly service charge waived with $2,500.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.03%
0.03%
Min Deposit$5,000
Min Balance$30,000
DetailsBalance: $30,000-$74,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.03%
0.03%
Min Deposit$2,500
Min Balance$30,000
DetailsBalance: $30,000-$74,999.99; $10 monthly service charge waived with $2,500.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.02%
0.02%
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000-$29,999.99
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Prestige Checking
0.02%
0.02%
Min Deposit$2,500
Min Balance$5,000
DetailsBalance: $5,000-$29,999.99; $10 monthly service charge waived with $2,500.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Sep 28, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Municipal Bank Business Checking Rates
Product
Rate
APY
View More
Interest Bearing Business Checking
0.03%
0.03%
Min Deposit$5,000
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Interest Bearing Business Checking
0.03%
0.03%
Min Deposit$1,000
Details$6 monthly service charge waived with $550 daily minimum balance; $5 monthly maintenance fee
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Municipal Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Homeowner's Choice
0.02%
-
0.02%
Min Deposit$5,000
Min Balance$1,000
DetailsBalance: $1,000+
Last Updated11/07/2026
Rate History
No change since Oct 12, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Homeowner's Choice
0.02%
-
0.02%
Min Deposit$100
Min Balance$1,000
DetailsBalance: $1,000+; Existing mortgage customers enjoy no monthly fees; Non-mortgage customers: $6 monthly service charge waived with $550.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Oct 12, 2026 · 0.02% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Now Account
0.03%
-
0.03%
Min Deposit$5,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Now Account
0.03%
-
0.03%
Min Deposit$1,000
Details$6 monthly service charge waived with $550.00 daily minimum balance
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.16%
Financial Health History
Municipal Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.16% 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
$382M
0.16%
5.0
A+
March 31, 2026
$363M
0.26%
5.0
A+
December 31, 2025
$355M
0.09%
5.0
A+
September 30, 2025
$348M
0.07%
5.0
A+
June 30, 2025
$354M
0.00%
5.0
A+
March 31, 2025
$356M
0.07%
5.0
A+
December 31, 2024
$351M
0.00%
5.0
A+
September 30, 2024
$351M
0.00%
5.0
A+
June 30, 2024
$357M
0.00%
5.0
A+
March 31, 2024
$358M
0.00%
5.0
A+
December 31, 2023
$350M
0.00%
5.0
A+
September 30, 2023
$344M
0.00%
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 Municipal 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 Municipal 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 Municipal Bank's official website for the most current offers and terms.
Address
720 Main St Nw,
Bourbonnais, IL 60914 · Kankakee
FDIC Certificate #23546
RegulatorFDIC
EstablishedOctober 2, 1981
FDIC Insurance DateOctober 2, 1981
Domestic Offices2
Total Branches2
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.16%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.9563%
Return on Equity (ROE)
19.4100%
Non-Performing Loans Ratio (NPL)
0.03%
Total Assets
$382,221,000
Total Deposits
$305,734,000
Equity Capital
$58,540,000
Net Income
$5,421,000
Headquarters
Bourbonnais
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Municipal Bank earned the Top 100 Healthiest 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, so there is no need to download or upload anything. Rankings are updated every quarter, and this profile page always shows the latest results, so the code never needs to change.
<a href="https://www.monitorbankrates.com/banks/municipal-trust-and-savings-bank-rates-review-23546">
<img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026.svg"
alt="Ranked #96 in MonitorBankRates Top 100 Healthiest Small Banks 2026"
width="160" height="160">
</a>
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Frequently Asked Questions About Municipal Bank
Does Municipal Bank offer CDs?
Yes. Municipal Bank current CD rates include its 60-Month Standard CD at 0.75% APY, its 48-Month Standard CD at 0.65% APY and its 36-Month Standard CD at 0.60% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Municipal Bank FDIC insured?
Yes. Municipal Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Municipal Bank?
The highest Municipal Bank CD rate is its Piper Special 15-Month CD at 4.15% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Municipal Bank offer?
Municipal Bank CD rates are 0.15% APY for a 12 month CD, 0.20% APY for an 18 month CD, 0.50% APY for a 2 year CD, 0.53% APY for a 30 month CD, 0.60% APY for a 3 year CD, 0.65% APY for a 4 year CD and 0.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Municipal Bank for its full lineup.
What is the highest savings rate at Municipal Bank?
The highest Municipal Bank savings rate is its 24K Commercial Savings Account at 0.70% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest checking rate at Municipal Bank?
The highest Municipal Bank checking rate is its Prestige Checking at 0.12% APY, verified by MonitorBankRates as of November 7, 2026.
How many branches does Municipal Bank operate?
Municipal Bank currently maintains approximately 2 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, Municipal 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, Municipal Bank provides members with tools to manage their accounts and build a solid financial history.
Does Municipal Bank offer online and mobile banking?
Most modern institutions like Municipal 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.municipalbank.com/.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Municipal Bank rates compare?
Municipal Bank's top CD rate of 4.15% APY on a 15 month CD is 39% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A+ health rating. Municipal Bank's top rates are its Piper Special 15-Month CD at 4.15% APY, its 24K Commercial Savings Account at 0.70% APY and its Prestige Checking at 0.12% APY, verified by MonitorBankRates on November 7, 2026.
Current Municipal Bank Rates
12-Month CD0.15%
18-Month CD0.20%
24-Month CD0.25%
36-Month CD0.35%
48-Month CD0.65%
60-Month CD0.75%
Savings0.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
