Phenix-Girard Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Phenix-Girard BankToday's 12-month CD rates can be found at 3.51%, 6-month CD rates at 4.35% and 3-month CD rates at 0.50%. Current savings rates are at 0.10% and money market rates are at 0.65%. Mortgage rates today on 30-year fixed loans are around 6.77%. Credit Card rates are at 8.75%. Personal Loan rates are at 12.25%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Phenix-Girard Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Phenix-Girard Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Phenix-Girard Bank CD rates. You can also compare Phenix-Girard Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Phenix-Girard Bank Texas Ratio

Phenix-Girard Bank's Texas Ratio is at -5.07%, which is considered excellent. The Texas Ratio for Phenix-Girard Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Phenix-Girard Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Phenix-Girard Bank
801 13th St
Phenix City, AL 36867
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare Phenix-Girard Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
La Capitol Federal Credit Union
La Capitol Federal Credit Union
Choice Checking
6.25%
$50
The Corner Stone Bank
The Corner Stone Bank
6-Month CD
4.40%
$1,000
Rising Bank
Rising Bank
12-Month CD
4.25%
$1,000
Bank Midwest
Bank Midwest
36-Month CD
4.06%
$500
ConnectOne Bank
ConnectOne Bank
11-Month CD
4.00%
$500
USAlliance Financial
USAlliance Financial
48-Month CD
4.00%
$500
Legacy Bank Colwich, KS
Legacy Bank Colwich, KS
24-Month CD
4.00%
$1,000
First Seacoast Bank
First Seacoast Bank
12-Month CD
4.00%
$1,000
Cendera Bank
Cendera Bank
18-Month CD
3.95%
$1,000
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
60-Month CD
3.82%
$100
Vermont State Bank
Vermont State Bank
6-Month CD
3.82%
$500
Cornerstone State Bank
Cornerstone State Bank
6-Month CD (Jumbo)
3.53%
$200,000
Perryton National Bank
Perryton National Bank
24-Month CD
3.44%
$500
Freedom Bank Columbia Falls, MT
Freedom Bank Columbia Falls, MT
Money Market
3.20%
$100,000
Camp Grove State Bank
Camp Grove State Bank
36-Month CD
3.05%
$1,000
Peoples Bank of Kankakee County
Peoples Bank of Kankakee County
36-Month CD
3.05%
$5,000
Bank First, NA
Bank First, NA
12-Month CD
3.02%
$1,000
West Union Bank
West Union Bank
Kasasa Checking
3.00%
$0
AAA Federal Credit Union
AAA Federal Credit Union
12-Month CD
2.95%
$500
PSB of Plainview
PSB of Plainview
48-Month CD
2.93%
$10,000
New Albin Savings Bank
New Albin Savings Bank
Money Market
2.89%
$2,500
Bristol Morgan Bank
Bristol Morgan Bank
60-Month CD
2.60%
$500
First Commercial Bank, N.A.
First Commercial Bank, N.A.
36-Month CD
2.40%
$2,500
First National Bank of Steeleville
First National Bank of Steeleville
12-Month CD
2.25%
$500
Tucumcari Federal S&L
24-Month CD
2.02%
$1,000
Department of Commerce FCU
Department of Commerce FCU
Money Market
2.02%
$20,000
Leader Bank
Leader Bank
24-Month CD
2.00%
$100
BluPeak Credit Union
BluPeak Credit Union
48-Month CD
2.00%
$1,000
First Security B&T Co. IA
First Security B&T Co. IA
12-Month CD
1.83%
$2,500
1st MidAmerica Credit Union
1st MidAmerica Credit Union
Money Market
1.76%
$2,500
USAA Federal Savings Bank
USAA Federal Savings Bank
24-Month CD
1.40%
$1,000
Susquehanna Community Bank
Susquehanna Community Bank
60-Month CD
1.30%
$500
United Minnesota Bank
United Minnesota Bank
48-Month CD
1.30%
$500
First National Bank in Philip
First National Bank in Philip
NOW Checking
1.00%
$1,500
University First Federal Credit Union
University First Federal Credit Union
High Yield Money Market
1.00%
$5,000
Oxford Bank
Oxford Bank
Money Market
1.00%
$50,000
First FSB of Kentucky
First FSB of Kentucky
12-Month CD
0.40%
$500
Dime Bank
Dime Bank
60-Month CD
0.40%
$500
The Dime Bank
The Dime Bank
Personal Money Market
0.40%
$2,500
United Bank of Union
United Bank of Union
Seniority Checking
0.30%
$0
First Hope Bank
First Hope Bank
18-Month CD
0.25%
$2,500
Pataskala Banking Company
Pataskala Banking Company
24-Month CD
0.25%
$500
Triad Bank, N.A.
Triad Bank, N.A.
Savings
0.25%
$100
Trinity Bank, N.A.
Trinity Bank, N.A.
Checking
0.25%
$100
Verus Bank of Commerce
Verus Bank of Commerce
24-Month CD
0.25%
$1,000
Cattaraugus County Bank
Cattaraugus County Bank
Savings (with checking)
0.20%
$0
Adirondack Trust Company
Adirondack Trust Company
6-Month CD
0.15%
$500
Mayville State Bank
Mayville State Bank
Money Market
0.05%
$100,000
Superior National Bank
Superior National Bank
Superior Savings
0.05%
$100
Gogebic Range Bank
Gogebic Range Bank
NOW Checking
0.03%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates February 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.125%
5.230%
0.000
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
5.500%
5.614%
0.000
5.500%
5.654%
0.000
30-Year Fixed
5.560%
5.730%
0.000
5.750%
5.756%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.750%
5.793%
0.000
5.625%
5.797%
0.000
5.750%
5.801%
0.000
5.750%
5.801%
0.000
15-Year Fixed
5.750%
5.806%
0.000
10-Year Fixed (Power Rate)
5.500%
5.814%
0.000
5.500%
5.820%
0.000
5.750%
5.832%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Phenix-Girard Bank rate data right now, check back for updates, we are adding rates all the time.

Phenix-Girard Bank Information

Phenix-Girard Bank
801 13th St
Phenix City, AL 36867
Russell
Established Date: 05/04/1904
FDIC Certificate #: 41
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: PHENIX-GIRARD BANCSHARES INC
How Many Domestic U.S. Offices? 4
How Many Branches are There? 4
Is Phenix-Girard Bank FDIC Insured? Yes
What is Phenix-Girard Bank's Cert number? 41
What is the maximum amount for insured deposits? $250,000 per holder, per account

Phenix-Girard Bank Financials

Total Assets:
$283,033,000
Total Deposits:
$276,535,000
Equity Capital:
$-534,000
Domestic Deposits:
$276,535,000
Net Income:
$516,000
Return on Assets:
0.6433%
Quarterly Return on Assets:
0.7300%
Pretax Return on Assets:
0.7514%
Pretax Quarterly Return on Assets:
0.7500%
Return on Equity:
0.0000%
Quarterly Return on Equity:
6,767.2100%
Leverage Tier 1 (Core Capital) Ratio:
18.2680%
Total Interest Income (YTD):
4.4709%
 
 
Headquarters:
Phenix City
FDIC Field Office:
Montgomery
Regulator:
FDIC
County:
Russell
# of Offices:
4
Metropolitan Statistical Area (MSA):
Columbus, GA-AL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Southeast
FDIC Region:
Atlanta
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

The Fed declined to raise the fed funds rate this past week, which isn't good news for savers. CD rates will stay near current levels until the Fed increases the rate. The Fed did say at least one rate hike was likely in 2016 so a hike should be in the near future. 

Colorado Federal Savings Bank Savings rates are now at 0.85 percent with a yield of 0.85 percent. View the current Savings rates at Colorado Federal Savings Bank below.
Last Friday, a lackluster employment report for the month of March was released and as a result today's mortgage rates are lower. In the March Labor Report released by the United States Department of Labor and the Bureau of Labor Statics, non-farm payrolls increased by 88,000 jobs. Most analysts surveyed were expecting a gain of 200,000 jobs.

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