What are the current interest rates at Old National Bank?

Current rates for Old National Bank include: 18-Month CD: 4.15%

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Old National Bank

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Old National Bank Rates & Review October 2026

Q: How many branches does Old National Bank operate?

Old National Bank currently maintains approximately 360 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, Old 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, Old 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: October 7, 2026

Old National Bank's top rates as of October 7, 2026 are 4.15% APY on its 11 or 17-month CD, and 7.00% on its 5/6mo SOFR ARM Purchase mortgage, according to rates verified by MonitorBankRates. Other Old National Bank mortgage rates include Current Mortgage - 15 Year Fixed at 7.125%, Jumbo 30 Year Loan at 7.25%, and Jumbo 30 Yr Purchase Loan at 7.25%. MonitorBankRates evaluates the financial stability of Old National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.98%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Old National Bank

1 Main St
Evansville, IN 47708

https://www.oldnational.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.

Old National Bank CD Rates

Product	Rate	APY	Term	View More
11 or 17-month CD	4.07%	4.15%	11 or 17-month
Min Deposit $500 Details Advertised interest rate of 4.07% (4.15% Annual Percentage Yield (APY)) is for a new 11-month certificate of deposit (CD) with balances of $500 or more. CD rates are fixed upon opening the account. APYs assume money stays on deposit until CD maturity date. An early withdrawal penalty may be assessed and may decrease earnings. If you close the account before interest is credited, you will not receive the accrued interest. Upon maturity the CD will automatically renew for a successive term based on the term, minimum balance, and other features of the 12-month certificate of deposit available at that time. Due to market conditions, there may be times when there is little to no difference in the interest rate and Annual Percentage Yield (APY) earned in each tier. ONB may change the interest rate and APY based on account balances at its sole discretion. For more information regarding interest rates and APYs in effect at the time of CD renewal, please contact your local banker. Public funds, institutional funds and brokered CDs are not eligible for advertised APYs. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

Old National Bank Mortgage Rates

Product	Rate	Points	APR	Term
5/6mo SOFR ARM Purchase	7.00%	-	7.012%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76% Oct 7, 20267.01%▲ from 6.76% Sep 18, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Current Mortgage - 15 Year Fixed	7.125%	-	7.208%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 6.96% → 7.21% ▲ 0.25 pts · high 7.21% / low 6.96% Sep 27, 20267.21%▲ from 6.96% Sep 24, 20266.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Jumbo 30 Year Loan	7.25%	-	7.262%	30 years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.01% → 7.26% ▲ 0.25 pts · high 7.26% / low 7.01% Sep 27, 20267.26%▲ from 7.01% Sep 18, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Jumbo 30 Yr Purchase Loan	7.25%	-	7.262%	30 years
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.01% → 7.26% ▲ 0.25 pts · high 7.26% / low 7.01% Sep 27, 20267.26%▲ from 7.01% Sep 15, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Current Mortgage - 30 Year Fixed	7.50%	-	7.553%
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.30% → 7.55% ▲ 0.25 pts · high 7.55% / low 7.30% Oct 7, 20267.55%▲ from 7.43% Sep 27, 20267.43%▲ from 7.30% Sep 24, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Year Fixed	7.625%	-	7.678%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.30% → 7.68% ▲ 0.38 pts · high 7.68% / low 7.30% Oct 1, 20267.68%▲ from 7.43% Sep 24, 20267.43%▲ from 7.30% Sep 18, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Current Mortgage - VA 30 Year Loan	7.625%	-	7.917%
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 15, 2026 · 7.04% → 7.92% ▲ 0.88 pts · high 7.92% / low 7.04% Oct 7, 20267.92%▲ from 7.42% Sep 27, 20267.42%▲ from 7.16% Sep 24, 20267.16%▲ from 7.04% Sep 15, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - VA 30 Year Loan	7.625%	-	7.917%	30 years
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 18, 2026 · 7.04% → 7.92% ▲ 0.88 pts · high 7.92% / low 7.04% Oct 7, 20267.92%▲ from 7.42% Sep 27, 20267.42%▲ from 7.16% Sep 24, 20267.16%▲ from 7.04% Sep 18, 20267.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
VA 30 Yr Purchase Loan	7.625%	-	7.917%	30 years
No additional details. Last Updated 10/07/2026 Rate History 4 changes since Sep 15, 2026 · 7.04% → 7.92% ▲ 0.88 pts · high 7.92% / low 7.04% Oct 7, 20267.92%▲ from 7.54% Oct 1, 20267.54%▲ from 7.42% Sep 27, 20267.42%▲ from 7.16% Sep 24, 20267.16%▲ from 7.04% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
FHA 30 Yr Purchase Loan	7.25%	-	9.565%	30 years
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 8.96% → 9.57% ▲ 0.60 pts · high 9.57% / low 8.96% Sep 27, 20269.57%▲ from 9.26% Sep 24, 20269.26%▲ from 8.96% Sep 15, 20268.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Current Mortgage - FHA 30 Year	7.25%	-	9.569%
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 24, 2026 · 9.26% → 9.57% ▲ 0.31 pts · high 9.57% / low 9.26% Sep 27, 20269.57%▲ from 9.26% Sep 24, 20269.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

Old National Bank Other Rates

Product	Rate	Points	APY/APR	Term
15 Yr Fixed Purchase	7.125%	-	7.208%	15 years
Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 6.71% → 7.21% ▲ 0.50 pts · high 7.21% / low 6.71% Oct 1, 20267.21%▲ from 6.96% Sep 24, 20266.96%▲ from 6.71% Sep 15, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Yr Fixed Purchase	7.50%	-	7.553%	30 years
Last Updated 10/07/2026 Rate History 2 changes since Sep 15, 2026 · 7.18% → 7.55% ▲ 0.38 pts · high 7.55% / low 7.18% Oct 1, 20267.55%▲ from 7.30% Sep 24, 20267.30%▲ from 7.18% Sep 15, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Construction 30 Year Loan	7.25%	-	7.313%
Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06% Sep 27, 20267.31%▲ from 7.06% Sep 15, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Construction 30 Yr Loan	7.25%	-	7.313%	30 years
Last Updated 10/07/2026 Rate History 1 change since Sep 15, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06% Sep 27, 20267.31%▲ from 7.06% Sep 15, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Market Monitor	0.05%	-	0.05%
Min Deposit $20,000 Min Balance $20,000 Details New money is defined as funds not currently on deposit at Old National Bank as of August 31, 2026. You will have fifteen (15) calendar days to meet the minimum new money deposit of $20,000. If the account is not funded with $20,000 in new money within fifteen (15) calendar days of account opening, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.79% (3.85% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Offer available at all Old National banking centers or online. Personal trusts can only be opened in an Old National banking center. Old National Bank reserves the right to extend or discontinue this offer at any time. We may refuse or return any deposit amount causing the combined balance of all your Old National accounts to exceed $3,000,000. Contact your Old National Banker for current rates. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Market Monitor account	3.79%	-	3.85%
Min Deposit $20,000 Min Balance $20,000 Details New Money Deposit Offer. Earn up to 3.85% APY guaranteed through Dec. 31 in a Market Monitor account (our money market option). To earn the new money interest rate, your account must be funded with a minimum of $20,000 in new money not on deposit at Old National as of August 31, 2026. The Market Monitor account must be funded with the qualifying deposit within 15 calendar days of account opening. Personal trusts must be opened in an Old National banking center. Rates and tiers for deposit balances are: 3.79% (3.85% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Fees may reduce earnings on the account. If the account is closed within 180 days, a $25 fee will be assessed. If the account is closed before interest is credited, you will not receive the accrued interest. Market Monitor is a personal deposit account. This offer applies to personal accounts and personal trusts only; it is not available for business, public, or institutional funds. Offer available at all Old National banking centers or online (online account opening available to applicants residing in Iowa, Illinois, Indiana, Kentucky, Michigan, Minnesota, North Dakota, Tennessee, or Wisconsin). Personal trusts can only be opened in an Old National banking center. Old National Bank reserves the right to extend or discontinue this offer at any time. We may refuse or return any deposit amount causing the combined balance of all your Old National accounts to exceed $3,000,000. Contact your Old National Banker for current rates. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.85% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

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

Old National Bank’s Texas Ratio stayed near 4.87% in Q3 2023 to 4.98% 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; 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	$73.9B	4.98%	5.0	A+
March 31, 2026	$72.6B	5.60%	5.0	A+
December 31, 2025	$71.8B	5.86%	5.0	A+
September 30, 2025	$71.0B	6.74%	5.0	A
June 30, 2025	$70.7B	7.22%	5.0	A
March 31, 2025	$53.6B	7.02%	5.0	A
December 31, 2024	$53.2B	6.90%	5.0	A
September 30, 2024	$53.3B	6.78%	5.0	A
June 30, 2024	$52.8B	5.52%	5.0	A+
March 31, 2024	$49.2B	5.79%	5.0	A+
December 31, 2023	$48.8B	4.84%	5.0	A+
September 30, 2023	$48.8B	4.87%	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 Old 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 Old 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 Old National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Old National Bank

Bank Holding Company OLD NATIONAL BCORP

Address 1 Main St, Evansville, IN 47708 · Vanderburgh

Website https://www.oldnational.com

FDIC Certificate # 3832

Established 19070827

FDIC Insurance Date 19340101

Domestic Offices 361

Total Branches 360

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.98%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4064%

Return on Equity (ROE) 12.4400%

Non-Performing Loans (NPL) 0.63%

Total Assets $73,857,462,000

Total Deposits $56,985,995,000

Equity Capital $8,356,262,000

Net Income $511,569,000

Headquarters Evansville

Total Branches and Offices 361

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Old National Bank earned the Verified Healthy badge

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Frequently Asked Questions About Old National Bank

How many branches does Old National Bank operate?

Old National Bank currently maintains approximately 360 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, Old 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, Old National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Old National Bank offer online and mobile banking?

Most modern institutions like Old 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.oldnational.com.