What are the current interest rates at Oak View National Bank?

Current rates for Oak View National Bank include: 12-Month CD: 4.08%, 18-Month CD: 4.15%

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Oak View National Bank

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Oak View National Bank Rates & Review September 2026

Q: How many branches does Oak View National Bank operate?

Oak View National Bank currently maintains approximately 4 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, Oak View National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Oak View National Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

Oak View National Bank's 18-Month CD rates are at 4.15%, 11-Month CD rates are at 4.08%, 5-Month CD rates are at 4.00%. MonitorBankRates evaluates the financial stability of Oak View National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Oak View National Bank

340 Waterloo Street
Warrenton, VA 20186

https://www.oakviewbank.com/

Oak View National Bank CD Rates

Product	Rate	APY	Term
18 MONTH CD	-	4.15%	18 MONTH
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
11 MONTH CD	-	4.08%	11 MONTH
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
5 MONTH CD	-	4.00%	5 MONTH
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Oak View National Bank Other Rates

Product	Rate	Points	APY/APR
Free Kasasa Saver Savings	2.96%	-	3.00%
Min Deposit $50 Details Qualifications Required: 12 qualifying debit card purchases; be enrolled in and agree to receive eStatements; be enrolled in and log into Online Banking; Qualifying balance up to $1,000.00; Fees may reduce earnings. All rates subject to change daily without notice. Monthly qualifications: 12 qualifying debit card purchases, be enrolled in and agree to receive eStatements, and be enrolled in and log into Online Banking. Enrollments must be in place and all of the transactions and activities must post and settle to your Kasasa Cash Checking account during each Monthly Qualification Cycle. ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our bank as ATM transactions and purchases made with debit cards not issued by Oak View National Bank do not count towards qualifying debit card transactions. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Free Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $50 Details When Kasasa Cash Checking qualifications are not met, the interest rate on the Kasasa Saver account will be 0.05%, resulting in a 0.05% annual percentage yield. This account is only available with the Kasasa Cash Checking account under same ownership. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

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

Oak View National Bank’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.03% 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	$966M	0.03%	5.0	A+
March 31, 2026	$925M	0.03%	5.0	A+
December 31, 2025	$878M	0.00%	5.0	A+
September 30, 2025	$842M	0.04%	5.0	A+
June 30, 2025	$773M	0.00%	5.0	A+
March 31, 2025	$731M	0.00%	5.0	A+
December 31, 2024	$694M	0.03%	5.0	A+
September 30, 2024	$676M	0.03%	5.0	A+
June 30, 2024	$630M	0.04%	5.0	A+
March 31, 2024	$624M	0.00%	5.0	A+
December 31, 2023	$600M	0.00%	5.0	A+
September 30, 2023	$593M	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 Oak View National 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 Oak View National 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 Oak View National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Oak View National Bank

Bank Holding Company OAK VIEW BANKSHARES INC

Address 340 Waterloo Street, Warrenton, VA 20186 · Fauquier

Website https://www.oakviewbank.com/

FDIC Certificate # 58827

Established 20090608

FDIC Insurance Date 20090608

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.03%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9316%

Return on Equity (ROE) 10.7400%

Non-Performing Loans (NPL) 0.00%

Total Assets $966,136,000

Total Deposits $692,971,000

Equity Capital $84,067,000

Net Income $4,299,000

Headquarters Warrenton

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Oak View National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Oak View National Bank

How many branches does Oak View National Bank operate?

Oak View National Bank currently maintains approximately 4 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, Oak View National 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, Oak View National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Oak View National Bank offer online and mobile banking?

Most modern institutions like Oak View National 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.oakviewbank.com/.