What are the current interest rates at Pony Express Bank?

Current rates for Pony Express Bank include: 12-Month CD: 3.15%, 18-Month CD: 1.50%, 24-Month CD: 2.00%, 36-Month CD: 2.50%, 48-Month CD: 2.50%, 60-Month CD: 3.00%, Savings: 0.15%, MMA: 0.25%

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Pony Express Bank

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Pony Express Bank Rates & Review September 2026

Q: How many branches does Pony Express Bank operate?

Pony Express Bank currently maintains approximately 2 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, Pony Express 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, Pony Express 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 19, 2026

Pony Express Bank's 13-Month Special 13-Month Certificate Special rates are at 4.10%, Certificates of Deposit and IRA's - 13-Month Special rates are at 4.10%, 7-Month Special 7-Month Certificate Special rates are at 3.85%, Certificates of Deposit and IRA's - 7-Month Special rates are at 3.85%, 12-Months* 12-Month Certificates of Deposit and IRA's rates are at 3.15%. Pony Express Bank's savings rates are at 0.15%. Pony Express Bank's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of Pony Express Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.27%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 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

1.27%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Pony Express Bank

213 N Main St
Braymer, MO 64624

https://www.ponyexpressbank.com

Pony Express Bank CD Rates

Product	Rate	APY	Term
13 Month Certificate Special	4.04%	4.10%	13 Month Special
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 13 Month Special	4.04%	4.10%	13 Month Special
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
7 Month Certificate Special	3.82%	3.85%	7 Month Special
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 7 Month Special	3.82%	3.85%	7 Month Special
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
12 Month Certificates of Deposit and IRA's	3.11%	3.15%	12 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
6 Month Certificates of Deposit and IRA's	2.98%	3.00%	6 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
60 Month Certificates of Deposit and IRA's	2.97%	3.00%	60 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
36 Month Certificates of Deposit and IRA's	2.48%	2.50%	36 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
48 Month Certificates of Deposit and IRA's	2.48%	2.50%	48 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
24 Month Certificates of Deposit and IRA's	1.99%	2.00%	24 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
30 Month Certificates of Deposit and IRA's	1.99%	2.00%	30 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
18 Month Certificates of Deposit and IRA's	1.49%	1.50%	18 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
3 Month Certificates of Deposit and IRA's	0.75%	0.75%	3 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Pony Express Bank Savings Rates

Product	Rate	APY	View More
Business Savings	0.15%	0.15%
Min Deposit $100 Min Balance $100 Details Interest Compounded and paid quarterly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Pony Express Bank Money Market Rates

Product	Rate	APY
Business Money Market	3.00%	3.04%
Min Deposit $2,000 Min Balance $2,000 Details Interest paid on daily balances $500,000 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	3.00%	3.04%
Min Deposit $2,000 Min Balance $500,000 Details Interest paid on daily balances $500,000 and above; Daily Minimum Balance to avoid fee: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	2.50%	2.53%
Min Deposit $2,000 Min Balance $2,000 Details Interest paid on daily balances $250,000-$499,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	2.50%	2.53%
Min Deposit $2,000 Min Balance $250,000 Details Interest paid on daily balances $250,000-$499,999.99; Daily Minimum Balance to avoid fee: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	1.50%	1.51%
Min Deposit $2,000 Min Balance $2,000 Details Interest paid on daily balances $100,000-$249,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	1.50%	1.51%
Min Deposit $2,000 Min Balance $100,000 Details Interest paid on daily balances $100,000-$249,999.99; Daily Minimum Balance to avoid fee: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	0.50%	0.50%
Min Deposit $2,000 Min Balance $2,000 Details Interest paid on daily balances $25,000-$99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	0.50%	0.50%
Min Deposit $2,000 Min Balance $25,000 Details Interest paid on daily balances $25,000-$99,999.99; Daily Minimum Balance to avoid fee: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	0.25%	0.25%
Min Deposit $2,000 Min Balance $2,000 Details Interest paid on daily balances $0-$24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Money Market	0.25%	0.25%
Min Deposit $2,000 Min Balance $0 Details Interest paid on daily balances $0-$24,999.99; Daily Minimum Balance to avoid fee: $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Pony Express Bank Checking Rates

Product	Rate	APY
Business Ultimate Checking	0.05%	0.05%
Min Deposit $100 Min Balance $100 Details Interest only paid on daily balances of $1,000.00 and above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Ultimate Checking	0.05%	0.05%
Min Deposit $100 Min Balance $1,000 Details Interest only paid on daily balances of $1,000.00 and above; Daily Minimum Balance to avoid fee: $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

Pony Express Bank Other Rates

Product	Rate	Points	APY/APR	Term
Business HSA	0.15%	-	0.15%
Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Super Now	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $1,000 Details Interest Compounded and paid monthly Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Business Ultimate Plus	0.05%	-	0.05%
Min Deposit $100 Min Balance $750 Details Interest only paid on daily balances of $750.00 and above; Daily Minimum Balance to avoid fee: N/A Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 12 Months	3.11%	-	3.15%	12 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 18 Months	1.49%	-	1.50%	18 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 24 Months	1.99%	-	2.00%	24 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 3 Months	0.75%	-	0.75%	3 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 30 Months	1.99%	-	2.00%	30 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 36 Months	2.48%	-	2.50%	36 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 48 Months	2.48%	-	2.50%	48 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 6 Months	2.98%	-	3.00%	6 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Certificates of Deposit and IRA's - 60 Months	2.97%	-	3.00%	60 Months*
Min Deposit $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Kasasa Cash Checking	4.97%	-	5.09%
Min Balance $0 Details Balance: Balances up to $15,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Kasasa Cash Checking	0.01%	-	0.01%
Details If qualifications aren't met Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%
Kasasa Saver Savings	0.01%	-	0.01%
Details In addition, the entire daily balance in the Kasasa Saver account earns an interest rate of 0.01% resulting in an annual percentage yield of 0.01%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.27%

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

Pony Express Bank’s Texas Ratio rose from 0.24% in Q3 2023 to 1.27% 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	$399M	1.27%	5.0	A+
March 31, 2026	$377M	0.92%	5.0	A+
December 31, 2025	$376M	0.86%	5.0	A+
September 30, 2025	$384M	0.88%	5.0	A+
June 30, 2025	$386M	0.91%	5.0	A+
March 31, 2025	$388M	0.94%	5.0	A+
December 31, 2024	$368M	0.00%	5.0	A+
September 30, 2024	$366M	0.05%	5.0	A+
June 30, 2024	$380M	0.06%	5.0	A+
March 31, 2024	$421M	0.00%	5.0	A+
December 31, 2023	$384M	1.74%	5.0	A+
September 30, 2023	$344M	0.24%	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 Pony Express 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 Pony Express 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 Pony Express Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Pony Express Bank

Bank Holding Company PAGE BANCSHARES INC

Address 213 N Main St, Braymer, MO 64624 · Caldwell

Website https://www.ponyexpressbank.com

FDIC Certificate # 4526

Established 18901002

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

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

1.27%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.8327%

Return on Equity (ROE) 27.7400%

Non-Performing Loans (NPL) 0.13%

Total Assets $399,474,000

Total Deposits $342,763,000

Equity Capital $40,072,000

Net Income $5,441,000

Headquarters Braymer

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Pony Express Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Pony Express Bank

How many branches does Pony Express Bank operate?

Pony Express Bank currently maintains approximately 2 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, Pony Express 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, Pony Express Bank provides members with tools to manage their accounts and build a solid financial history.

Does Pony Express Bank offer online and mobile banking?

Most modern institutions like Pony Express 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.ponyexpressbank.com.