What are the current interest rates at National Exchange Bank and Trust?

Current rates for National Exchange Bank and Trust include: 12-Month CD: 2.00%, 18-Month CD: 2.00%, 24-Month CD: 2.00%, 36-Month CD: 3.00%, 48-Month CD: 3.00%, 60-Month CD: 3.00%, Savings: 0.15%, MMA: 1.86%

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National Exchange Bank and Trust Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

National Exchange Bank and Trust's top rates as of October 7, 2026 are 4.00% APY on its 25-Month CD Special, 0.15% APY on savings, 1.86% APY on money market accounts, 0.75% APY on checking, and credit cards from 12.90% APR, according to rates verified by MonitorBankRates. Other National Exchange Bank and Trust CD rates include 7-Month CD Special at 3.78%, 11-Month CD Special at 3.76%, and Dollars for Scholars - 36-Month at 3.30%. 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 10/07/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.09%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

National Exchange Bank and Trust

130 S Main St
Fond Du Lac, WI 54935

https://www.nebat.com

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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
25 month CD Special	-	4.00%	25 month
Min Deposit $5,000 Details Fixed Rate \| Personal or Business Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
7 month CD Special	-	3.78%	7 month
Min Deposit $5,000 Details Fixed Rate \| Personal or Business Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
11 month CD Special	-	3.76%	11 month
Min Deposit $5,000 Details Fixed Rate \| Personal or Business Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Dollars for Scholars - 36 Month	3.30%	3.30%	36 Month
Min Deposit $300 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
36 Month Certificate	3.00%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
36 Month IRA Certificate of Deposit	3.00%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
48 Month Certificate	3.00%	3.00%	48 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
60 Month Certificate	3.00%	3.00%	60 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
60 Month IRA Certificate of Deposit	3.00%	3.00%	60 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 3.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 36 Month - Fixed Rate	3.00%	3.00%	36 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 60 Month - Fixed Rate	3.00%	3.00%	60 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
6 Month Certificate	2.00%	2.01%	6 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
6 Month IRA Certificate of Deposit	2.00%	2.01%	6 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 6 Month - Fixed Rate	2.00%	2.01%	6 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
12 Month Certificate	2.00%	2.00%	12 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
12 Month IRA Certificate of Deposit	2.00%	2.00%	12 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
15 Month Add	2.00%	2.00%	15 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
15 Month One Up	2.00%	2.00%	15 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
18 Month Certificate	2.00%	2.00%	18 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
18 Month IRA Certificate of Deposit	2.00%	2.00%	18 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
21 Month Add	2.00%	2.00%	21 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
21 Month IRA Certificate of Deposit	2.00%	2.00%	21 Month Add On
Min Deposit $1,000 Details Variable Rate Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
24 Month Certificate	2.00%	2.00%	24 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
24 Month IRA Certificate of Deposit	2.00%	2.00%	24 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 12 Month - Fixed Rate	2.00%	2.00%	12 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 18 Month - Fixed Rate	2.00%	2.00%	18 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 21 Month Add On - Variable Rate	2.00%	2.00%	21 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
IRA Certificate - 24 Month - Fixed Rate	2.00%	2.00%	24 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
3 Month Certificate	1.50%	1.51%	3 Month
Min Deposit $1,000 Last Updated 10/07/2026 Rate History No change since Sep 24, 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
Steps Savings	0.15%	0.15%
Min Balance $100 Details Balance: $100 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 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 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 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 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Holiday Savings	0.10%	0.10%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Health Savings Accounts	0.05%	0.05%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 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 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Statement Savings	0.05%	0.05%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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
Money Market Account	1.85%	1.86%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.86% APY · checked 7 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 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.86% APY · checked 7 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 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 7 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 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.56% APY · checked 7 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 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 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 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 7 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 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 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 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Money Market Account	0.75%	0.75%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Money Market IRA	0.75%	0.75%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

National Exchange Bank and Trust Checking Rates

Product	Rate	APY
Private Checking	0.75%	0.75%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Private Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 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 $0 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 0.01% → 0.03% ▲ 0.02 pts · high 0.03% / low 0.01% Oct 7, 20260.03%▲ from 0.01% Sep 14, 20260.01%first recorded 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 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Private Checking	0.03%	0.03%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.03% APY · checked 7 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 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 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 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 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 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 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 $0 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 0.01% → 0.02% ▲ 0.01 pts · high 0.02% / low 0.01% Oct 7, 20260.02%▲ from 0.01% Sep 14, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Private Checking	0.02%	0.02%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Private Checking	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 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 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 7 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
Business Checking	0.03%	0.03%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.03%	0.03%
Min Balance $0 Details Balance: $250,000 and over Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.02%	0.02%
Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.02%	0.02%
Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.02%	0.02%
Min Balance $100,000 Details Balance: $100,000-$249,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.02%	0.02%
Min Balance $0 Details Balance: $25,000-$49,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Checking	0.01%	0.01%
Min Balance $0 Details Balance: $0-$24,999 Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.01% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

National Exchange Bank and Trust Credit Card Rates

Product	Rate	APR
Consumer Visa Classic	-	12.90%
Details APR = Annual Percentage Rate. The APR is a variable rate calculated by adding the Prime Rate + 5.90%. The Prime Rate used to determine the annual percentage rate is the highest prime rate published in the Wall Street Journal's "Money Rates" table on the last date of publication in each calendar month. Annual fee: $15. Other fees: Cash Advance: 4.0% of each cash advance, ($5.00 Minimum, No Maximum); Foreign Transaction Fee: The exchange rate is increased by 2.00% if the conversion is made in connection with a charge to an account and decreased by 2.00%, if the conversion is made in connection with a credit to an account; Late Payment: $30.00; Returned Payment fee: NSF Payments: $30.00; PIN Reminder: $7.00 for each PIN reminder; Replacement Card: $10.00 for each replacement (or additional card(s) for authorized users). Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 2, 202612.90%▲ from 12.65% Sep 14, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Consumer Visa Platinum	-	12.90%
Details APR = Annual Percentage Rate. The APR is a variable rate calculated by adding the Prime Rate + 5.90%. The Prime Rate used to determine the annual percentage rate is the highest prime rate published in the Wall Street Journal's "Money Rates" table on the last date of publication in each calendar month. Annual fee: fee waived. Other fees: Cash Advance: 4.0% of each cash advance, ($5.00 Minimum, No Maximum); Foreign Transaction Fee: The exchange rate is increased by 2.00% if the conversion is made in connection with a charge to an account and decreased by 2.00%, if the conversion is made in connection with a credit to an account; Late Payment: $30.00; Returned Payment fee: NSF Payments: $30.00; PIN Reminder: $7.00 for each PIN reminder; Replacement Card: $10.00 for each replacement (or additional card(s) for authorized users). Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 12.65% → 12.90% ▲ 0.25 pts · high 12.90% / low 12.65% Oct 2, 202612.90%▲ from 12.65% Sep 14, 202612.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%
Business Visa	-	14.90%
Details APR = Annual Percentage Rate. National Exchange Bank & Trust extends credit cards primarily to established customers that meet our credit criteria. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 14.90% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.09%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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.

Bank Profile & Overview

Institution Name National Exchange Bank and Trust

Bank Holding Company NEB CORP

Address 130 S Main St, Fond Du Lac, WI 54935 · Fond Du Lac

Website https://www.nebat.com

FDIC Certificate # 10044

Established 19331220

FDIC Insurance Date 19340101

Domestic Offices 34

Total Branches 34

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.09%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6928%

Return on Equity (ROE) 8.8000%

Non-Performing Loans (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 06/30/2026

Q2 2026 MBR Health & Safety Badge

National Exchange Bank and Trust earned the Verified Healthy badge

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Frequently Asked Questions About National Exchange Bank and Trust

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.