Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Primebank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 6, 2026
Primebank's CD - 18-Month rates are at 3.85%, CD - 12-Month rates are at 3.75%, CD - 24-Month rates are at 3.75%, CD - 30-Month rates are at 3.75%, CD - 36-Month rates are at 3.75%. Primebank's savings rates are at 2.75%. Primebank's money market rates are at 1.40%. Primebank's checking rates are as high as 3.25%. Primebank's Personal Loan Rates are as low as 18.362%. Primebank's top CD rate of 4.25% APY on a 15 month CD is 42% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A- health rating. MonitorBankRates evaluates the financial stability of Primebank with a 4.9 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 16.11%. Rates last updated and verified on 11/06/2026.
Primebank 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 Primebank? Share your experience about Primebank by leaving a review below, or read customer reviews before you decide to use Primebank.
Overall Health & Safety Grade
?
A-
Very Good HealthScore: 91/100
Overall Health & Safety Grade
Primebank has earned an overall safety grade of A- (Very Good, Score: 91/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
4.9
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Primebank has earned a Star Rating of 4.9 out of 5 stars (Exceptional).
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
?
16.11%
GoodHigher than avg
Primebank Texas Ratio
Primebank's Texas Ratio is 16.11%, which is considered good and is higher than the national average of 5.85%.
While Primebank has some non-performing assets, it maintains sufficient capital reserves to handle potential losses.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
7.08% to 16.11% over 12 quarters, worseningFull history
Star Rating 5.0 to 4.9, Health Grade A to A-
The Texas Ratio for this bank has weakened since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
Primebank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD - 15-Month Special - New Money
-
4.25%
15 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum; New Money
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 9-Month Special - New Money
-
4.00%
9 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum; New Money
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 18-Month
-
3.85%
18 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.80% → 3.85% ▲ 0.05 pts · high 3.85% / low 3.80%
Oct 21, 20263.85%▲ from 3.80%
Sep 24, 20263.80%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 12-Month
-
3.75%
12 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
Oct 21, 20263.75%▲ from 3.70%
Sep 24, 20263.70%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 24-Month
-
3.75%
24 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 21, 20263.75%▲ from 3.50%
Sep 24, 20263.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 30-Month
-
3.75%
30 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 21, 20263.75%▲ from 3.50%
Sep 24, 20263.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 36-Month
-
3.75%
36 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 21, 20263.75%▲ from 3.50%
Sep 24, 20263.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 6-Month
-
3.65%
6 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
1 change since Sep 24, 2026 · 3.60% → 3.65% ▲ 0.05 pts · high 3.65% / low 3.60%
Oct 21, 20263.65%▲ from 3.60%
Sep 24, 20263.60%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 48-Month 1 Step Up
-
3.50%
48 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum; 1 Step Up
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 60-Month 2 Step Ups
-
3.50%
60 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum; 2 Step Ups
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 18-Month
-
3.00%
18 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 24-Month
-
3.00%
24 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 30-Month
-
3.00%
30 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 36-Month
-
3.00%
36 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 48-Month 1 Step Up
-
3.00%
48 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum; 1 Step Up
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 60-Month 2 Step Ups
-
3.00%
60 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum; 2 Step Ups
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 12-Month
-
2.50%
12 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 6-Month
-
2.00%
6 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 3-Month
-
1.50%
3 Month
$10,000
Min Deposit$10,000
Min Balance$10,000
DetailsBalance tier: $10,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
CD - 3-Month
-
1.25%
3 Month
$1,000
Min Deposit$1,000
Min Balance$1,000
DetailsBalance tier: $1,000 minimum
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 6 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Savings Rates
Product
Rate
APY
View More
IRA/SEP Tiered Savings
2.72%
2.75%
Min Deposit$100
Min Balance$150,000
DetailsBalance: $150,000+
Last Updated11/06/2026
Rate History
2 changes since Sep 19, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 2.75% / low 1.50%
Oct 21, 20262.75%▲ from 1.50%
Oct 7, 20261.50%▼ from 2.75%
Sep 19, 20262.75%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
IRA/SEP Tiered Savings
2.47%
2.50%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000-$149,999
Last Updated11/06/2026
Rate History
2 changes since Sep 19, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 1.75%
Oct 21, 20262.50%▲ from 1.75%
Oct 7, 20261.75%▼ from 2.50%
Sep 19, 20262.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
IRA/SEP Tiered Savings
2.23%
2.25%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/06/2026
Rate History
2 changes since Sep 19, 2026 · 2.25% → 2.25% ▼ 0.00 pts · high 2.25% / low 2.00%
Oct 21, 20262.25%▲ from 2.00%
Oct 7, 20262.00%▼ from 2.25%
Sep 19, 20262.25%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Elite Savings
1.99%
2.00%
Min Deposit$50,000
Min Balance$250,000
DetailsBalance: $250,000 +
Last Updated11/06/2026
Rate History
2 changes since Sep 19, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 2.00% / low 1.30%
Oct 21, 20262.00%▲ from 1.30%
Oct 7, 20261.30%▼ from 2.00%
Sep 19, 20262.00%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
IRA/SEP Tiered Savings
1.99%
2.00%
Min Deposit$100
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/06/2026
Rate History
2 changes since Sep 19, 2026 · 2.00% → 2.00% ▼ 0.00 pts · high 2.25% / low 2.00%
Oct 21, 20262.00%▼ from 2.25%
Oct 7, 20262.25%▲ from 2.00%
Sep 19, 20262.00%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
IRA/SEP Tiered Savings
1.74%
1.75%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 1.75% → 1.75% ▼ 0.00 pts · high 2.50% / low 1.75%
Oct 21, 20261.75%▼ from 2.50%
Oct 7, 20262.50%▲ from 1.75%
Sep 24, 20261.75%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Elite Savings
1.49%
1.50%
Min Deposit$50,000
Min Balance$100,000
DetailsBalance: $100,000-$249,999
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
IRA/SEP Tiered Savings
1.49%
1.50%
Min Deposit$100
Min Balance$0
DetailsBalance: $0-$9,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 1.50% → 1.50% ▼ 0.00 pts · high 2.75% / low 1.50%
Oct 21, 20261.50%▼ from 2.75%
Oct 7, 20262.75%▲ from 1.50%
Sep 24, 20261.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Elite Savings
1.29%
1.30%
Min Deposit$50,000
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 1.30% → 1.30% ▼ 0.00 pts · high 2.00% / low 1.30%
Oct 21, 20261.30%▼ from 2.00%
Oct 7, 20262.00%▲ from 1.30%
Sep 24, 20261.30%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Statement Savings
0.49%
0.50%
Min Deposit$50
Min Balance$0
DetailsMinimum balance requirement waived for minors 18 and younger
Last Updated11/06/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 9 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Money Market Rates
Product
Rate
APY
View More
Money Market
1.39%
1.40%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 +
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 1.40% → 1.40% ▼ 0.00 pts · high 1.40% / low 0.50%
Oct 21, 20261.40%▲ from 0.50%
Oct 7, 20260.50%▼ from 1.40%
Sep 24, 20261.40%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Money Market
1.20%
1.24%
Min Deposit$2,500
Min Balance$50,000
DetailsBalance: $50,000-$99,999
Last Updated11/06/2026
Rate History
3 changes since Sep 24, 2026 · 1.24% → 1.24% ▼ 0.00 pts · high 1.24% / low 0.70%
Oct 26, 20261.24%▲ from 1.20%
Oct 21, 20261.20%▲ from 0.70%
Oct 7, 20260.70%▼ from 1.24%
Sep 24, 20261.24%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Money Market
1.09%
1.10%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000-$49,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 1.10% → 1.10% ▼ 0.00 pts · high 1.10% / low 0.90%
Oct 21, 20261.10%▲ from 0.90%
Oct 7, 20260.90%▼ from 1.10%
Sep 24, 20261.10%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Money Market
0.89%
0.90%
Min Deposit$2,500
Min Balance$10,000
DetailsBalance: $10,000-$24,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 0.90% → 0.90% ▼ 0.00 pts · high 1.10% / low 0.90%
Oct 21, 20260.90%▼ from 1.10%
Oct 7, 20261.10%▲ from 0.90%
Sep 24, 20260.90%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Money Market
0.69%
0.70%
Min Deposit$2,500
Min Balance$2,500
DetailsBalance: $2,500-$9,999
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 0.70% → 0.70% ▼ 0.00 pts · high 1.24% / low 0.70%
Oct 21, 20260.70%▼ from 1.24%
Oct 7, 20261.24%▲ from 0.70%
Sep 24, 20260.70%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Money Market
0.49%
0.50%
Min Deposit$2,500
Min Balance$0
DetailsBalance: $0-$2,499
Last Updated11/06/2026
Rate History
2 changes since Sep 24, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 1.40% / low 0.50%
Oct 21, 20260.50%▼ from 1.40%
Oct 7, 20261.40%▲ from 0.50%
Sep 24, 20260.50%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Checking Rates
Product
Rate
APY
View More
uPIC Interest Checking
3.20%
3.25%
Min Deposit$10
Min Balance$0
DetailsQualifications Required: Be enrolled and receive eStatements; At least one direct deposit (ACH credit) posts to the account; At least 15 debit card POS purchases post and settle during the monthly statement cycle; Balance: $0.01 - $34,999; Limited to one account per household
Last Updated11/06/2026
Rate History
No change since Sep 15, 2026 · 3.25% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
HSA Checking
0.49%
0.50%
Min Deposit$100
Min Balance$10,000
DetailsBalance: $10,000+
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.50% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Basic Plus Checking
0.35%
0.35%
Min Deposit$10,000
Min Balance$10,000
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.35% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
HSA Checking
0.25%
0.25%
Min Deposit$100
Min Balance$5,000
DetailsBalance: $5,000-$9,999
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.25% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
HSA Checking
0.10%
0.10%
Min Deposit$100
Min Balance$500
DetailsBalance: $500-$4,999
Last Updated11/06/2026
Rate History
No change since Oct 21, 2026 · 0.10% APY · checked 4 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Auto Loan Rates
Product
Rate
Points
APR
Term
View More
3 Year New Car Fixed
5.25%
-
5.417%
3 Year
DetailsAPR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 5.17% → 5.42% ▲ 0.25 pts · high 5.42% / low 5.17%
Sep 19, 20265.42%▲ from 5.17%
Sep 15, 20265.17%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
4 Year New Car Fixed
5.50%
-
5.628%
4 Year
DetailsAPR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 5.38% → 5.63% ▲ 0.25 pts · high 5.63% / low 5.38%
Sep 19, 20265.63%▲ from 5.38%
Sep 15, 20265.38%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
5 Year New Car Fixed
5.75%
-
5.853%
5 Year
DetailsAPR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 5.60% → 5.85% ▲ 0.25 pts · high 5.85% / low 5.60%
Sep 19, 20265.85%▲ from 5.60%
Sep 15, 20265.60%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
3 Year Used Car Fixed
6.00%
-
6.168%
3 Year
DetailsVehicle age: 3 yr. old car or newer; APR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 5.92% → 6.17% ▲ 0.25 pts · high 6.17% / low 5.92%
Sep 19, 20266.17%▲ from 5.92%
Sep 15, 20265.92%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
6 Year New Car Fixed
6.25%
-
6.338%
6 Year
DetailsAPR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 6.20% → 6.34% ▲ 0.13 pts · high 6.34% / low 6.20%
Sep 19, 20266.34%▲ from 6.20%
Sep 15, 20266.20%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
4 Year Used Car Fixed
6.25%
-
6.378%
4 Year
DetailsVehicle age: 3 yr. old or newer; APR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 6.13% → 6.38% ▲ 0.25 pts · high 6.38% / low 6.13%
Sep 19, 20266.38%▲ from 6.13%
Sep 15, 20266.13%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
4 Year Used Car Fixed
7.50%
-
7.63%
4 Year
DetailsVehicle age: 4 to 5 yr. old car; APR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 7.38% → 7.63% ▲ 0.25 pts · high 7.63% / low 7.38%
Sep 19, 20267.63%▲ from 7.38%
Sep 15, 20267.38%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
3 Year Used Car Fixed
8.25%
-
8.42%
3 Year
DetailsVehicle age: 6 yr. old car or older; APR based on $10,000 loan with $25.00 origination fee
Last Updated11/06/2026
Rate History
1 change since Sep 15, 2026 · 8.17% → 8.42% ▲ 0.25 pts · high 8.42% / low 8.17%
Sep 19, 20268.42%▲ from 8.17%
Sep 15, 20268.17%first recorded
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Personal Loan Rates
Product
APR
Term
View More
Unsecured Personal Loan
18.362%
DetailsAPR based on $5,000 loan amortized for 36 months; includes $25.00 origination fee
Last Updated11/06/2026
Rate History
No change since Sep 15, 2026 · 18.36% APR · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Primebank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Business Plus
0.20%
-
0.20%
Min Deposit$500
Min Balance$10,000
DetailsBalance: $10,000 +
Last Updated11/06/2026
Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 10 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Business Plus
0.10%
-
0.10%
Min Deposit$500
Min Balance$5,000
DetailsBalance: $5,000-$9,999
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Business Plus
0.05%
-
0.05%
Min Deposit$500
Min Balance$500
DetailsBalance: $500-$4,999
Last Updated11/06/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 8 times
Institution Ratings
4.9
Star Rating
A-
Health Grade
◈ Texas Ratio: 16.11%
Financial Health History
Primebank’s Texas Ratio rose from 7.08% in Q3 2023 to 16.11% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A to A-. 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
$801M
16.11%
4.9
A-
March 31, 2026
$784M
17.33%
4.8
B+
December 31, 2025
$773M
16.05%
4.9
A-
September 30, 2025
$771M
16.16%
4.9
A-
June 30, 2025
$747M
23.44%
4.3
B-
March 31, 2025
$754M
10.24%
5.0
A
December 31, 2024
$732M
9.25%
5.0
A
September 30, 2024
$723M
11.76%
5.0
A
June 30, 2024
$710M
10.79%
5.0
A
March 31, 2024
$714M
14.81%
5.0
A-
December 31, 2023
$721M
7.44%
5.0
A
September 30, 2023
$690M
7.08%
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 Primebank 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 Primebank 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 Primebank's official website for the most current offers and terms.
Address
37 1st Ave Nw,
Le Mars, IA 51031 · Plymouth
Bank Holding CompanyPRIMEBANK INC
FDIC Certificate #8101
RegulatorFED
EstablishedJanuary 1, 1901
FDIC Insurance DateJanuary 1, 1934
Domestic Offices4
Total Branches4
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A- (91/100)
Texas Ratio
16.11%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
2.1479%
Return on Equity (ROE)
20.3500%
Non-Performing Loans Ratio (NPL)
1.69%
Total Assets
$800,575,000
Total Deposits
$692,539,000
Equity Capital
$85,374,000
Net Income
$8,439,000
Headquarters
Le Mars
Total Branches and Offices
4
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Primebank
Frequently Asked Questions About Primebank
Does Primebank offer CDs?
Yes. Primebank current CD rates include its CD - 18-Month at 3.85% APY, its CD - 12-Month at 3.75% APY and its CD - 24-Month at 3.75% APY, verified by MonitorBankRates as of November 6, 2026.
Are CDs from Primebank FDIC insured?
Yes. Primebank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Primebank?
The highest Primebank CD rate is its Certificates of Deposit - 15-Month Special - New Money at 4.25% APY, verified by MonitorBankRates as of November 6, 2026.
What CD terms does Primebank offer?
Primebank CD rates are 3.75% APY for a 12 month CD, 3.85% APY for an 18 month CD, 3.75% APY for a 2 year CD, 3.75% APY for a 30 month CD, 3.75% APY for a 3 year CD, 3.00% APY for a 4 year CD and 3.00% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Primebank for its full lineup.
What is the highest savings rate at Primebank?
The highest Primebank savings rate is its IRA/SEP Tiered Savings at 2.75% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest money market rate at Primebank?
The highest Primebank money market rate is its Money Market at 1.40% APY, verified by MonitorBankRates as of November 6, 2026.
What is the highest checking rate at Primebank?
The highest Primebank checking rate is its uPIC Interest Checking at 3.25% APY, verified by MonitorBankRates as of November 6, 2026.
What is the lowest auto loan rate at Primebank?
The lowest Primebank auto loan rate is its 3 Year New Car Fixed at 5.25%, verified by MonitorBankRates as of November 6, 2026. Primebank auto loan rates are 5.25% for a 36 month auto loan, 5.50% for a 48 month auto loan, 5.75% for a 60 month auto loan and 6.25% for a 72 month auto loan.
What is the lowest personal loan rate at Primebank?
The lowest Primebank personal loan rate is its Unsecured Personal Loan at 18.00%, verified by MonitorBankRates as of November 6, 2026.
How many branches does Primebank operate?
Primebank 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, Primebank 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, Primebank provides members with tools to manage their accounts and build a solid financial history.
Does Primebank offer online and mobile banking?
Most modern institutions like Primebank 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.primebank.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Primebank rates compare?
Primebank's top CD rate of 4.25% APY on a 15 month CD is 42% higher than the MonitorBankRates national average of 2.98% APY for that term, and it has an A- health rating. Primebank's top rates are its Certificates of Deposit - 15-Month Special - New Money at 4.25% APY, its IRA/SEP Tiered Savings at 2.75% APY, its Money Market at 1.40% APY, its uPIC Interest Checking at 3.25% APY and its Unsecured Personal Loan at 18.362% APR, verified by MonitorBankRates on November 6, 2026.
Current Primebank Rates
12-Month CD2.50%
18-Month CD3.00%
24-Month CD3.00%
36-Month CD3.00%
48-Month CD3.00%
60-Month CD3.00%
Savings2.75%
MMA1.40%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
