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National Exchange Bank and Trust 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 5, 2026
National Exchange Bank and Trust's CD - 36-Month rates are at 3.00%, CD - 48-Month rates are at 3.00%, CD - 60-Month rates are at 3.00%, Fixed Rate CD - 36-Month rates are at 3.00%, Fixed Rate CD - 48-Month rates are at 3.00%. National Exchange Bank and Trust's savings rates are at 0.15%. National Exchange Bank and Trust's money market rates are at 1.86%. National Exchange Bank and Trust's checking rates are as high as 0.75%. National Exchange Bank and Trust's Credit Card Rates are at 12.90%. National Exchange Bank and Trust's top CD rate of 4.00% APY on a 25 month CD is 37% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of National Exchange Bank and Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.09%. Rates last updated and verified on 11/05/2026.
National Exchange Bank and Trust 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 National Exchange Bank and Trust? Share your experience about National Exchange Bank and Trust by leaving a review below, or read customer reviews before you decide to use National Exchange Bank and Trust.
National Exchange Bank and Trust has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
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
National Exchange Bank and Trust 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
?
1.09%
ExcellentLower than avg
National Exchange Bank and Trust Texas Ratio
National Exchange Bank and Trust's Texas Ratio is 1.09%, which is considered excellent and is lower than the national average of 5.85%.
National Exchange Bank and Trust 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.
11.02% to 1.09% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A to A+
The Texas Ratio for this bank has improved and is now 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.
National Exchange Bank and Trust CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
Limited Time 25-Month CD Special
-
4.00%
25 month
$5,000
Min Deposit$5,000
DetailsFixed Rate; Personal or Business; Non-personal cap is $250,000; Open at local office; APY effective November 5, 2026 - November 11, 2026; Substantial penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 4.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Limited Time 7-Month CD Special
-
3.78%
7 month
$5,000
Min Deposit$5,000
DetailsFixed Rate; Personal or Business; Non-personal cap is $250,000; Open at local office; APY effective November 5, 2026 - November 11, 2026; Substantial penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 3.78% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Limited Time 11-Month CD Special
-
3.76%
11 month
$5,000
Min Deposit$5,000
DetailsFixed Rate; Personal or Business; Non-personal cap is $250,000; Open at local office; APY effective November 5, 2026 - November 11, 2026; Substantial penalty for early withdrawal
Last Updated11/05/2026
Rate History
No change since Nov 5, 2026 · 3.76% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Dollars for Scholars - 36-Month
3.30%
3.30%
36 Month
$300
Min Deposit$300
DetailsCertificate of Deposit - Variable Rate
Last Updated11/05/2026
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 36-Month
3.00%
3.00%
36 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 48-Month
3.00%
3.00%
48 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 60-Month
3.00%
3.00%
60 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 36-Month
3.00%
3.00%
36 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 48-Month
3.00%
3.00%
48 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 60-Month
3.00%
3.00%
60 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 36-Month - Fixed Rate
3.00%
3.00%
36 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 60-Month - Fixed Rate
3.00%
3.00%
60 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 6-Month
2.00%
2.01%
6 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 6-Month
2.00%
2.01%
6 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 6-Month - Fixed Rate
2.00%
2.01%
6 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
21-Month Add
2.00%
2.00%
21 Month
$1,000
Min Deposit$1,000
DetailsCertificate of Deposit - Variable Rate; Add-on product
Last Updated11/05/2026
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 12-Month
2.00%
2.00%
12 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 15-Month Add
2.00%
2.00%
15 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate; Add On
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 15-Month One Up
2.00%
2.00%
15 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate; One Up
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 18-Month
2.00%
2.00%
18 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 24-Month
2.00%
2.00%
24 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 12-Month
2.00%
2.00%
12 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 15-Month Add
2.00%
2.00%
15 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 15-Month One Up
2.00%
2.00%
15 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 18-Month
2.00%
2.00%
18 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 24-Month
2.00%
2.00%
24 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 12-Month - Fixed Rate
2.00%
2.00%
12 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 18-Month - Fixed Rate
2.00%
2.00%
18 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 21-Month Add On - Variable Rate
2.00%
2.00%
21 months
$1,000
Min Deposit$1,000
DetailsAdd On; Variable Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
IRA CD - 24-Month - Fixed Rate
2.00%
2.00%
24 months
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
CD - 3-Month
1.50%
1.51%
3 Month
$1,000
Min Deposit$1,000
DetailsFixed Rate
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.51% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Fixed Rate CD - 3-Month
1.50%
1.51%
3 months
$1,000
Min Deposit$1,000
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.51% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
National Exchange Bank and Trust Savings Rates
Product
Rate
APY
View More
Steps Savings
0.15%
0.15%
Min Balance$100
DetailsBalance: $100 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Health Savings Accounts
0.10%
0.10%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Health Savings Accounts
0.10%
0.10%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Holiday Savings
0.10%
0.10%
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Health Savings Accounts
0.05%
0.05%
Min Balance$0
DetailsBalance: $0.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Health Savings Accounts
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000 - $49,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Health Savings Accounts
0.05%
0.05%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Statement Savings
0.05%
0.05%
No additional details.
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
National Exchange Bank and Trust Money Market Rates
Product
Rate
APY
View More
Money Market Account
1.85%
1.86%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.86% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market IRA
1.85%
1.86%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.86% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market Account
1.55%
1.56%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market IRA
1.55%
1.56%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.56% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market Account
1.05%
1.05%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market IRA
1.05%
1.05%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 1.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market Account
0.95%
0.95%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market IRA
0.95%
0.95%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.95% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market Account
0.75%
0.75%
Min Balance$0
DetailsBalance: $0-$24,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Money Market IRA
0.75%
0.75%
Min Balance$0
DetailsBalance: $0-$24,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
National Exchange Bank and Trust Checking Rates
Product
Rate
APY
View More
Private Checking
0.75%
0.75%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Private Checking
0.50%
0.50%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Personal Interest Bearing & Non-Profit
0.03%
0.03%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Private Checking
0.03%
0.03%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Personal Interest Bearing & Non-Profit
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Personal Interest Bearing & Non-Profit
0.02%
0.02%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Personal Interest Bearing & Non-Profit
0.02%
0.02%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Private Checking
0.02%
0.02%
Min Balance$0
DetailsBalance: $0-$24,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Private Checking
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Personal Interest Bearing & Non-Profit
0.01%
0.01%
Min Balance$0
DetailsBalance: $0-$24,999
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
National Exchange Bank and Trust Business Checking Rates
Product
Rate
APY
View More
Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
0.03%
0.03%
Min Balance$250,000
DetailsBalance: $250,000 and over
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 0.03% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
0.02%
0.02%
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
0.02%
0.02%
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
0.02%
0.02%
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 0.02% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Checking Accounts - Small Business, Premier Business, Standard Business & Public Funds with Interest
0.01%
0.01%
Min Balance$0
DetailsBalance: $0-$24,999
Last Updated11/05/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
National Exchange Bank and Trust Credit Card Rates
No change since Oct 14, 2026 · 12.90% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Business Visa
-
14.90%
DetailsCredit extended primarily to established customers that meet credit criteria
Last Updated11/05/2026
Rate History
No change since Sep 14, 2026 · 14.90% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.09%
Financial Health History
National Exchange Bank and Trust’s Texas Ratio fell from 11.02% in Q3 2023 to 1.09% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. 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
$2.9B
1.09%
5.0
A+
March 31, 2026
$2.9B
3.06%
5.0
A+
December 31, 2025
$2.9B
5.96%
5.0
A+
September 30, 2025
$2.9B
6.71%
5.0
A
June 30, 2025
$2.9B
8.49%
5.0
A
March 31, 2025
$3.0B
9.30%
5.0
A
December 31, 2024
$2.9B
9.40%
5.0
A
September 30, 2024
$2.9B
11.06%
5.0
A
June 30, 2024
$2.8B
7.10%
5.0
A
March 31, 2024
$2.8B
9.78%
5.0
A
December 31, 2023
$2.8B
10.03%
5.0
A
September 30, 2023
$2.7B
11.02%
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 National Exchange Bank and Trust 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 National Exchange Bank and Trust 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 National Exchange Bank and Trust's official website for the most current offers and terms.
Address
130 S Main St,
Fond Du Lac, WI 54935 · Fond Du Lac
Bank Holding CompanyNEB CORP
FDIC Certificate #10044
RegulatorOCC
EstablishedDecember 20, 1933
FDIC Insurance DateJanuary 1, 1934
Domestic Offices34
Total Branches34
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.09%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6928%
Return on Equity (ROE)
8.8000%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
$2,890,553,000
Total Deposits
$2,257,154,000
Equity Capital
$571,487,000
Net Income
$24,669,000
Headquarters
Fond Du Lac
Total Branches and Offices
34
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
National Exchange Bank and Trust 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for National Exchange Bank and Trust
Frequently Asked Questions About National Exchange Bank and Trust
Does National Exchange Bank and Trust offer CDs?
Yes. National Exchange Bank and Trust current CD rates include its CD - 36-Month at 3.00% APY, its CD - 48-Month at 3.00% APY and its CD - 60-Month at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from National Exchange Bank and Trust FDIC insured?
Yes. National Exchange Bank and Trust 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 National Exchange Bank and Trust?
The highest National Exchange Bank and Trust CD rate is its Limited Time 25-Month CD Special at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does National Exchange Bank and Trust offer?
National Exchange Bank and Trust CD rates are 2.00% APY for a 12 month CD, 2.00% APY for an 18 month CD, 2.00% APY for a 2 year CD, 3.00% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with National Exchange Bank and Trust for its full lineup.
What is the highest savings rate at National Exchange Bank and Trust?
The highest National Exchange Bank and Trust savings rate is its Steps Savings at 0.15% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at National Exchange Bank and Trust?
The highest National Exchange Bank and Trust money market rate is its Money Market Account at 1.86% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at National Exchange Bank and Trust?
The highest National Exchange Bank and Trust checking rate is its Private Checking at 0.75% APY, verified by MonitorBankRates as of November 5, 2026.
What is the lowest credit card APR at National Exchange Bank and Trust?
The lowest National Exchange Bank and Trust credit card APR is its Consumer Visa Classic and Platinum Cards Credit Card at 12.90% APR, verified by MonitorBankRates as of November 5, 2026.
How many branches does National Exchange Bank and Trust operate?
National Exchange Bank and Trust currently maintains approximately 34 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, National Exchange Bank and Trust 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, National Exchange Bank and Trust provides members with tools to manage their accounts and build a solid financial history.
Does National Exchange Bank and Trust offer online and mobile banking?
Most modern institutions like National Exchange Bank and Trust 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.nebat.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 National Exchange Bank and Trust rates compare?
National Exchange Bank and Trust's top CD rate of 4.00% APY on a 25 month CD is 37% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. National Exchange Bank and Trust's top rates are its Limited Time 25-Month CD Special at 4.00% APY, its Steps Savings at 0.15% APY, its Money Market Account at 1.86% APY, its Private Checking at 0.75% APY and its Consumer Visa Classic and Platinum Cards Credit Card at 12.90% APR, verified by MonitorBankRates on November 5, 2026.
Current National Exchange Bank and Trust Rates
12-Month CD2.00%
18-Month CD2.00%
24-Month CD2.00%
36-Month CD3.00%
48-Month CD3.00%
60-Month CD3.00%
Savings0.15%
MMA1.86%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
