What are the current interest rates at OSB Odin State Bank?

Current rates for OSB Odin State Bank include: 18-Month CD: 2.57%, Savings: 0.30%, MMA: 0.20%

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OSB Odin State Bank

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OSB Odin State Bank Rates & Review September 2026

Q: How many branches does OSB Odin State Bank operate?

OSB Odin State Bank currently maintains approximately 1 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, OSB Odin State 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, OSB Odin State 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 14, 2026

OSB Odin State Bank's One Year Certificate-Tier 2 rates are at 3.58%, Two Year Certificate-Tier 2 rates are at 3.28%, Four Year Certificate-Tier 2 rates are at 3.02%, Three Year Certificate-Tier 2 rates are at 3.02%, One Year Certificate-Tier 1 rates are at 2.77%. OSB Odin State Bank's savings rates are at 0.30%. OSB Odin State Bank's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of OSB Odin State Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.28%. Rates last updated and verified on 09/14/2026.

OSB Odin State 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 OSB Odin State Bank? Share your experience about OSB Odin State Bank by leaving a review below, or read customer reviews before you decide to use OSB Odin State Bank.

Overall Health & Safety Grade

Solid Health Score: 87/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.28%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Odin State Bank

101 E Main St
Odin, MN 56160

https://www.odinstatebank.com

OSB Odin State Bank CD Rates

Product	Rate	APY	Term
One Year Certificate-Tier 2	3.55%	3.58%	One Year
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Two Year Certificate-Tier 2	3.25%	3.28%	Two Year
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Four Year Certificate-Tier 2	3.00%	3.02%	Four Year
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Three Year Certificate-Tier 2	3.00%	3.02%	Three Year
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
One Year Certificate-Tier 1	2.75%	2.77%	One Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Two Year Certificate-Tier 1	2.75%	2.77%	Two Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
IRA/KEOGH Accounts Three Year Certificate	2.55%	2.57%	Three Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Special 18 Month IRA CD	2.55%	2.57%	18 Month
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Four Year Certificate-Tier 1	2.50%	2.52%	Four Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Three Year Certificate-Tier 1	2.50%	2.52%	Three Year
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
182 Day Certificate-Tier 2	1.25%	1.25%	182 Day
Min Deposit $10,000 Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
182 Day Certificate-Tier 1	0.75%	0.75%	182 Day
Min Deposit $500 Min Balance $500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
91 Day Certificate	0.35%	0.35%	91 Day
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%

OSB Odin State Bank Savings Rates

Product	Rate	APY	View More
Regular Savings	0.30%	0.30%
Min Deposit $10 Min Balance $10 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%

OSB Odin State Bank Money Market Rates

Product	Rate	APY
Money Market Account-Tier 5	2.30%	2.32%
Min Deposit $2,500 Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Tier 4	1.60%	1.61%
Min Deposit $2,500 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Tier 3	1.00%	1.01%
Min Deposit $2,500 Min Balance $50,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Tier 2	0.55%	0.55%
Min Deposit $2,500 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Over	0.40%	0.40%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Tier 1	0.35%	0.35%
Min Deposit $2,500 Min Balance $2,500 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%
Money Market Account-Under	0.20%	0.20%
Min Deposit $2,500 Min Balance $100 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%

OSB Odin State Bank Checking Rates

Product	Rate	APY	View More
N.O.W. Checking	0.10%	0.10%
Min Deposit $1,000 Min Balance $10 Last Updated 09/14/2026 Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.28%

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

OSB Odin State Bank’s Texas Ratio fell from 23.01% in Q3 2023 to 19.28% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.4 to 4.6 and its Health Grade from C- to B. 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	$82M	19.28%	4.6	B
March 31, 2026	$79M	16.13%	4.9	A-
December 31, 2025	$82M	16.20%	4.9	A-
September 30, 2025	$80M	18.06%	4.7	B+
June 30, 2025	$78M	15.97%	4.9	A-
March 31, 2025	$80M	14.11%	5.0	A-
December 31, 2024	$77M	17.81%	4.8	B+
September 30, 2024	$76M	20.62%	4.5	B
June 30, 2024	$73M	21.86%	4.4	B
March 31, 2024	$72M	21.99%	4.4	B
December 31, 2023	$73M	23.16%	3.8	C
September 30, 2023	$68M	23.01%	3.4	C-

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 OSB Odin State 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 OSB Odin State 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 OSB Odin State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name OSB Odin State Bank

Bank Holding Company ODIN BANCSHARES INC

Address 101 E Main St, Odin, MN 56160 · Watonwan

Website https://www.odinstatebank.com

FDIC Certificate # 14574

Established 19040609

FDIC Insurance Date 19340328

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 87/100

4.6

Excellent Out of 5.0 Stars

19.28%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.1110%

Return on Equity (ROE) -1.3900%

Non-Performing Loans (NPL) 1.58%

Total Assets $82,424,000

Total Deposits $74,428,000

Equity Capital $6,742,000

Net Income $-45,000

Headquarters Odin

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About OSB Odin State Bank

How many branches does OSB Odin State Bank operate?

OSB Odin State Bank currently maintains approximately 1 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, OSB Odin State 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, OSB Odin State Bank provides members with tools to manage their accounts and build a solid financial history.

Does OSB Odin State Bank offer online and mobile banking?

Most modern institutions like OSB Odin State 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.odinstatebank.com.