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QNB Bank Rates & Review November 2026

Q: What are the current interest rates at QNB Bank?

Current rates for QNB Bank include: 12-Month CD: 0.25%, 18-Month CD: 2.47%, 24-Month CD: 2.23%, 36-Month CD: 0.99%, 48-Month CD: 1.09%, 60-Month CD: 1.24%, Savings: 1.70%, MMA: 3.45%

Q: What is the highest CD rate at QNB Bank?

The highest QNB Bank CD rate is its 6-Month Growth CD at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

Q: What CD terms does QNB Bank offer?

QNB Bank CD rates are 3.00% APY for a 3 month CD, 3.25% APY for a 6 month CD, 0.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 2.23% APY for a 2 year CD, 0.99% APY for a 3 year CD, 1.09% APY for a 4 year CD and 1.24% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with QNB Bank for its full lineup.

Q: How many branches does QNB Bank operate?

QNB Bank currently maintains approximately 18 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

QNB Bank's 6-Month Growth CD rates are at 3.25%, 6-Month Income CD rates are at 3.20%, 3-Month Growth CD rates are at 3.00%, 3-Month Income CD rates are at 2.96%, 18-Month Growth CD rates are at 2.50%. QNB Bank's savings rates are at 1.70%. QNB Bank's money market rates are at 3.45%. QNB Bank's checking rates are as high as 1.25%. QNB Bank's Personal Loan Rates are as low as 11.00%. QNB Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of QNB Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.97%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 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

4.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

QNB Bank

15 N 3rd St
Quakertown, PA 18951

https://www.qnbbank.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.

QNB Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
6-Month Growth CD	3.20%	3.25%	6 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 31, 20263.25%▲ from 3.00% Sep 24, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
6-Month Income CD	3.20%	3.20%	6 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 2.96% → 3.20% ▲ 0.24 pts · high 3.20% / low 2.96% Oct 31, 20263.20%▲ from 2.96% Sep 24, 20262.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3-Month Growth CD	2.96%	3.00%	3 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 0.20% → 3.00% ▲ 2.80 pts · high 3.00% / low 0.20% Oct 31, 20263.00%▲ from 0.20% Sep 24, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
3-Month Income CD	2.96%	2.96%	3 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History 1 change since Sep 24, 2026 · 0.20% → 2.96% ▲ 2.76 pts · high 2.96% / low 0.20% Oct 31, 20262.96%▲ from 0.20% Sep 24, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18-Month Growth CD	2.47%	2.50%	18 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
18-Month Income CD	2.47%	2.47%	18 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.47% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24-Month Growth CD	2.23%	2.25%	24 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
24-Month Income CD	2.23%	2.23%	24 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.23% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60-Month Growth CD	1.24%	1.25%	60 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60-Month Income CD	1.24%	1.24%	60 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.24% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48-Month Growth CD	1.09%	1.10%	48 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
48-Month Income CD	1.09%	1.09%	48 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.09% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36-Month Growth CD	0.99%	1.00%	36 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
36-Month Income CD	0.99%	0.99%	36 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.99% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12-Month Flex 12 CD	0.25%	0.25%	12 months	$250
Min Deposit $250 Details Growth CD; Apply Online; $250.00 minimum Flex 12 Growth CD Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12-Month Growth CD	0.25%	0.25%	12 months	$500
Min Deposit $500 Details Compounded interest; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
12-Month Income CD	0.25%	0.25%	12 months	$5,000
Min Deposit $5,000 Details Simple interest paid at an annual rate; Requires interest be deposited into a QNB savings, checking, or money market account; Income CDs available for in-branch account opening only; Apply Online per table Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
30 - 59 Day CD - Growth CD	0.10%	0.10%	30 - 59 days	-
Min Balance $100,000 Details Balance: $100,000.00 minimum; Growth CD compounded interest Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
30 - 59 Day CD - Income CD	0.10%	0.10%	30 - 59 days	-
Min Balance $100,000 Details Balance: $100,000.00 minimum; Income CD simple interest paid annually Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 - 89 Day CD - Growth CD	0.10%	0.10%	60 - 89 days	-
Min Balance $100,000 Details Balance: $100,000.00 minimum; Growth CD compounded interest Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
60 - 89 Day CD - Income CD	0.10%	0.10%	60 - 89 days	-
Min Balance $100,000 Details Balance: $100,000.00 minimum; Income CD simple interest paid annually Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Savings Rates

Product	Rate	APY
Personal Online eSavings	1.69%	1.70%
Min Deposit $5 Details Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Individual/Family Health Savings	0.35%	0.35%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Individual/Family Health Savings	0.20%	0.20%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $4,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal EZ Saver Clubs	0.10%	0.10%
Min Deposit $5 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Statement Savings	0.10%	0.10%
Min Deposit $5 Details Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Savings Rates

Product	Rate	APY	View More
Business Statement Savings	0.10%	0.10%
Min Deposit $5 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Money Market Rates

Product	Rate	APY
Personal High Yield Money Market	3.40%	3.45%
Min Deposit $25 Min Balance $2,500,000 Details Balance: $2,500,000 and over; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 24, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	3.35%	3.40%
Min Deposit $25 Min Balance $1,500,000 Details Balance: $1,500,000 - $2,499,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Sep 24, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	3.30%	3.35%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,499,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20% Sep 24, 20263.35%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.72%	2.75%
Min Deposit $25 Min Balance $750,000 Details Balance: $750,000 - $999,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Sep 24, 20262.75%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.67%	2.70%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $749,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.70% ▲ 0.15 pts · high 2.70% / low 2.55% Sep 24, 20262.70%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.62%	2.65%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Sep 24, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	2.18%	2.20%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Apply Online Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.20% ▲ 0.15 pts · high 2.20% / low 2.05% Sep 24, 20262.20%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.70%	0.70%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000 and over; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.70% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.55%	0.55%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $74,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.45%	0.45%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.40%	0.40%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Select Money Market	0.35%	0.35%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $9,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal High Yield Money Market	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $99,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Money Market Rates

Product	Rate	APY
Business High Yield Money Market	3.40%	3.45%
Min Deposit $25 Min Balance $2,500,000 Details Balance: $2,500,000 and over Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Sep 24, 20263.45%▲ from 3.30% Sep 18, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	3.35%	3.40%
Min Deposit $25 Min Balance $1,500,000 Details Balance: $1,500,000 - $2,499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Sep 24, 20263.40%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	3.30%	3.35%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20% Sep 24, 20263.35%▲ from 3.20% Sep 18, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.72%	2.75%
Min Deposit $25 Min Balance $750,000 Details Balance: $750,000 - $999,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.75% ▲ 0.15 pts · high 2.75% / low 2.60% Sep 24, 20262.75%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.67%	2.70%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 - $749,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.55% → 2.70% ▲ 0.15 pts · high 2.70% / low 2.55% Sep 24, 20262.70%▲ from 2.55% Sep 18, 20262.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.62%	2.65%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.50% → 2.65% ▲ 0.15 pts · high 2.65% / low 2.50% Sep 24, 20262.65%▲ from 2.50% Sep 18, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	2.18%	2.20%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.05% → 2.20% ▲ 0.15 pts · high 2.20% / low 2.05% Sep 24, 20262.20%▲ from 2.05% Sep 18, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	1.39%	1.40%
Min Deposit $25 Min Balance $75,000 Details Balance: $75,000 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	1.14%	1.15%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.80%	0.80%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.80% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.55%	0.55%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Select Money Market	0.50%	0.50%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Escrow Money Market	0.35%	0.35%
Min Balance $1,500 Details Balance: $1,500 and over Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.35% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Escrow Money Market	0.20%	0.20%
Min Balance $0 Details Balance: $0.01 - $1,499.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business High Yield Money Market	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Checking Rates

Product	Rate	APY	View More
Personal QNB Rewards Checking	1.24%	1.25%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $24,999.99; Qualifying balance up to $24,999.99; Apply Online Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 1.25% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Business Checking Rates

Product	Rate	APY
Business Community Service Checking	0.10%	0.10%
Min Deposit $25 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Interest Checking	0.10%	0.10%
Min Deposit $25 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity	-	-	5.25%	Up to 36 months
Details APR w/o Auto Deduct: 5.75%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 5.00% → 5.25% ▲ 0.25 pts · high 5.25% / low 5.00% Sep 24, 20265.25%▲ from 5.00% Sep 15, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	5.75%	37 - 60 months
Details APR w/o Auto Deduct: 6.25%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 5.75% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	6.50%	61 - 84 months
Details APR w/o Auto Deduct: 7.00%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.50% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Equity Choice - Home Equity Line of Credit - Interest Only	-	-	7.00%
Details APR w/o Auto Deduct: 7.50%; Maximum Loan-to-Value: 80%; Variable rate based on WSJ Prime; Maximum APR 18%; Repayment period 180 months; No annual fee Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00% Oct 14, 20267.00%▼ from 7.50% Sep 18, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.00%	85 - 120 months
Details APR w/o Auto Deduct: 7.50%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 24, 20267.00%▲ from 6.75% Sep 15, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.25%	121 - 180 months
Details APR w/o Auto Deduct: 7.75%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.00% → 7.25% ▲ 0.25 pts · high 7.25% / low 7.00% Sep 24, 20267.25%▲ from 7.00% Sep 15, 20267.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Fixed Rate Home Equity	-	-	7.75%	181 - 240 months
Details APR w/o Auto Deduct: 8.25%; Maximum Loan-to-Value: 80%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 7.50% → 7.75% ▲ 0.25 pts · high 7.75% / low 7.50% Sep 24, 20267.75%▲ from 7.50% Sep 15, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Automobile Loans - 2024 - 2025	-	-	6.50%	5 year max
Details Credit Score: >720; Loan-to-Value: 100%; Non-auto deduct APR: 7.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	6.50%	6 year max
Details Credit Score: >720; Loan-to-Value: 100%; Non-auto deduct APR: 7.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	7.25%	6 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 7.75%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	7.50%	4 year max
Details Credit Score: >720; Loan-to-Value: 80%; Non-auto deduct APR: 8.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2024 - 2025	-	-	7.50%	5 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 8.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	8.00%	4 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 8.50%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	8.50%	3 year max
Details Credit Score: >720; Loan-to-Value: 80%; Non-auto deduct APR: 9.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - New 2025 - 2026	-	-	8.75%	6 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 9.25%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	9.00%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 80%; Non-auto deduct APR: 9.50%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2024 - 2025	-	-	9.00%	5 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 9.50%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	9.50%	3 year max
Details Credit Score: >720; Loan-to-Value: 75%; Non-auto deduct APR: 10.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2022 - 2023	-	-	9.75%	4 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 10.25%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	10.50%	3 year max
Details Credit Score: 680 - 719; Loan-to-Value: 75%; Non-auto deduct APR: 11.00%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 10.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2020 - 2021	-	-	10.75%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 80%; Non-auto deduct APR: 11.25%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 10.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Automobile Loans - 2018 - 2019	-	-	11.25%	3 year max
Details Credit Score: 650 - 679; Loan-to-Value: 75%; Non-auto deduct APR: 11.75%; Auto deduct APR listed first Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 11.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	9.49%	5 year max
Details Credit Score: >720; Model Year: New - 2025 - 2026; Loan-to-Value: 80%; Auto deduct APR 9.49%; Non-auto deduct APR 9.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	9.99%	5 year max
Details Credit Score: 680 - 719; Model Year: New - 2025 - 2026; Loan-to-Value: 80%; Auto deduct APR 9.99%; Non-auto deduct APR 10.49%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	10.24%	5 year max
Details Credit Score: >720; Model Year: 2024 - 2025; Loan-to-Value: 80%; Auto deduct APR 10.24%; Non-auto deduct APR 10.74%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	10.49%	5 year max
Details Credit Score: 650 - 679; Model Year: New - 2025 - 2026; Loan-to-Value: 80%; Auto deduct APR 10.49%; Non-auto deduct APR 10.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	10.49%	4 year max
Details Credit Score: >720; Model Year: 2022 - 2023; Loan-to-Value: 80%; Auto deduct APR 10.49%; Non-auto deduct APR 10.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	10.74%	5 year max
Details Credit Score: 680 - 719; Model Year: 2024 - 2025; Loan-to-Value: 80%; Auto deduct APR 10.74%; Non-auto deduct APR 11.24%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	10.99%	4 year max
Details Credit Score: 680 - 719; Model Year: 2022 - 2023; Loan-to-Value: 80%; Auto deduct APR 10.99%; Non-auto deduct APR 11.49%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	11.24%	5 year max
Details Credit Score: 650 - 679; Model Year: 2024 - 2025; Loan-to-Value: 80%; Auto deduct APR 11.24%; Non-auto deduct APR 11.74%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 11.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	11.49%	4 year max
Details Credit Score: 650 - 679; Model Year: 2022 - 2023; Loan-to-Value: 80%; Auto deduct APR 11.49%; Non-auto deduct APR 11.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	11.49%	3 year max
Details Credit Score: >720; Model Year: 2020 - 2021; Loan-to-Value: 80%; Auto deduct APR 11.49%; Non-auto deduct APR 11.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	11.99%	3 year max
Details Credit Score: 680 - 719; Model Year: 2020 - 2021; Loan-to-Value: 80%; Auto deduct APR 11.99%; Non-auto deduct APR 12.49%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 11.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	12.49%	3 year max
Details Credit Score: 650 - 679; Model Year: 2020 - 2021; Loan-to-Value: 80%; Auto deduct APR 12.49%; Non-auto deduct APR 12.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	13.49%	3 year max
Details Credit Score: >720; Model Year: 2018 - 2019; Loan-to-Value: 70%; Auto deduct APR 13.49%; Non-auto deduct APR 13.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 13.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	13.99%	3 year max
Details Credit Score: 680 - 719; Model Year: 2018 - 2019; Loan-to-Value: 70%; Auto deduct APR 13.99%; Non-auto deduct APR 14.49%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 13.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Motorcycle Loan	-	14.49%	3 year max
Details Credit Score: 650 - 679; Model Year: 2018 - 2019; Loan-to-Value: 70%; Auto deduct APR 14.49%; Non-auto deduct APR 14.99%; Effective September 22, 2026 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 14.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Personal Loan Rates

Product	APR	Term
Personal Line of Credit	11.00%
Details Credit Limit: Revolving up to $10,000; Borrower must be a QNB customer Last Updated 11/05/2026 Rate History 1 change since Sep 15, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 18, 202611.00%▲ from 10.75% Sep 15, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loan - Fixed Rate Unsecured	14.00%	Up to 36 Months
Details APR w/ Auto Deduct; Credit Limit: Up to $5,000**; Borrower must be a QNB customer Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 14.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loan - Fixed Rate Unsecured	14.50%	Up to 36 Months
Details APR w/o Auto Deduct; Credit Limit: Up to $5,000**; Borrower must be a QNB customer Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 14.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loan - Fixed Rate Unsecured	14.50%	Up to 72 Months
Details APR w/ Auto Deduct; Credit Limit: $5,001 - $10,000**; Borrower must be a QNB customer Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 14.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Personal Loan - Fixed Rate Unsecured	15.00%	Up to 72 Months
Details APR w/o Auto Deduct; Credit Limit: $5,001 - $10,000**; Borrower must be a QNB customer Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 15.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

QNB Bank Other Rates

Product	Rate	Points	APY/APR	Term
Land Purchase Loan	-	-	9.50%	Up to 120 months
Details APR w/o Auto Deduct: 10.00%; Maximum Loan-to-Value: 65% Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 9.50% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	1.98%	-	2.00%
Min Balance $0 Details Balance: $0.01 - $499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 1.85% → 2.00% ▲ 0.15 pts · high 2.00% / low 1.85% Sep 24, 20262.00%▲ from 1.85% Sep 18, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	2.47%	-	2.50%
Min Balance $500,000 Details Balance: $500,000 - $1,499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.35% → 2.50% ▲ 0.15 pts · high 2.50% / low 2.35% Sep 24, 20262.50%▲ from 2.35% Sep 18, 20262.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	2.96%	-	3.00%
Min Balance $1,500,000 Details Balance: $1,500,000 - $2,999,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.85% → 3.00% ▲ 0.15 pts · high 3.00% / low 2.85% Sep 24, 20263.00%▲ from 2.85% Sep 18, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%
Business Index Sweep	3.45%	-	3.50%
Min Balance $3,000,000 Details Balance: $3,000,000 and over Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Sep 24, 20263.50%▲ from 3.35% Sep 18, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.97%

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

QNB Bank’s Texas Ratio rose from 3.11% in Q3 2023 to 4.97% 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 1.7 to 5.0 and its Health Grade from D 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	$2.4B	4.97%	5.0	A+
March 31, 2026	$1.9B	6.59%	5.0	A
December 31, 2025	$1.9B	6.05%	5.0	A
September 30, 2025	$1.9B	6.50%	5.0	A
June 30, 2025	$1.9B	6.91%	5.0	A
March 31, 2025	$1.9B	6.93%	4.7	A
December 31, 2024	$1.8B	1.64%	4.5	A
September 30, 2024	$1.8B	1.38%	4.8	A
June 30, 2024	$1.7B	2.50%	2.8	C
March 31, 2024	$1.7B	2.51%	2.7	C
December 31, 2023	$1.7B	2.51%	2.6	C
September 30, 2023	$1.7B	3.11%	1.7	D

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 QNB 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 QNB 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 QNB Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name QNB Bank

Website https://www.qnbbank.com

Address 15 N 3rd St, Quakertown, PA 18951 · Bucks

Bank Holding Company QNB CORP

FDIC Certificate # 7714

Regulator FDIC

Established July 21, 1877

FDIC Insurance Date January 1, 1934

Domestic Offices 18

Total Branches 18

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.97%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8118%

Return on Equity (ROE)

9.9800%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

$2,374,999,000

Total Deposits

$2,070,023,000

Equity Capital

$209,778,000

Net Income

$8,334,000

Headquarters

Quakertown

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

QNB Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for QNB Bank yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for QNB Bank

Frequently Asked Questions About QNB Bank

Does QNB Bank offer CDs?

Yes. QNB Bank current CD rates include its 6-Month Growth CD at 3.25% APY, its 6-Month Income CD at 3.20% APY and its 3-Month Growth CD at 3.00% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from QNB Bank FDIC insured?

Yes. QNB Bank 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 QNB Bank?

The highest QNB Bank CD rate is its 6-Month Growth CD at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does QNB Bank offer?

QNB Bank CD rates are 3.00% APY for a 3 month CD, 3.25% APY for a 6 month CD, 0.25% APY for a 12 month CD, 2.50% APY for an 18 month CD, 2.23% APY for a 2 year CD, 0.99% APY for a 3 year CD, 1.09% APY for a 4 year CD and 1.24% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with QNB Bank for its full lineup.

What is the highest savings rate at QNB Bank?

The highest QNB Bank savings rate is its Personal Online eSavings at 1.70% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at QNB Bank?

The highest QNB Bank money market rate is its Business High Yield Money Market at 3.45% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at QNB Bank?

The highest QNB Bank checking rate is its Personal QNB Rewards Checking at 1.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at QNB Bank?

The lowest QNB Bank personal loan rate is its Personal Line of Credit at 11.00% APR, verified by MonitorBankRates as of November 5, 2026.

How many branches does QNB Bank operate?

QNB Bank currently maintains approximately 18 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, QNB 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, QNB Bank provides members with tools to manage their accounts and build a solid financial history.

Does QNB Bank offer online and mobile banking?

Most modern institutions like QNB 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.qnbbank.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 QNB Bank rates compare?

QNB Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. QNB Bank's top rates are its 6-Months 6-Month Growth CD at 3.25% APY, its Personal Online eSavings at 1.70% APY, its Business High Yield Money Market at 3.45% APY, its Personal QNB Rewards Checking at 1.25% APY and its Personal Line of Credit at 11.00% APR, verified by MonitorBankRates on November 5, 2026.

Current QNB Bank Rates

12-Month CD0.25%
18-Month CD2.47%
24-Month CD2.23%
36-Month CD0.99%
48-Month CD1.09%
60-Month CD1.24%
Savings1.70%
MMA3.45%

Retrieved from our database of financial products. Rates subject to change.

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QNB Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

QNB Bank Texas Ratio

QNB Bank Health Trend

QNB Bank CD Rates

QNB Bank Savings Rates

QNB Bank Business Savings Rates

QNB Bank Money Market Rates

QNB Bank Business Money Market Rates

QNB Bank Checking Rates

QNB Bank Business Checking Rates

QNB Bank Home Equity & HELOC

QNB Bank Auto Loan Rates

QNB Bank RV, Boat and Powersport Loan Rates

QNB Bank Personal Loan Rates

QNB Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

QNB Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About QNB Bank

Does QNB Bank offer CDs?

Are CDs from QNB Bank FDIC insured?

What is the highest CD rate at QNB Bank?

What CD terms does QNB Bank offer?

What is the highest savings rate at QNB Bank?

What is the highest money market rate at QNB Bank?

What is the highest checking rate at QNB Bank?

What is the lowest personal loan rate at QNB Bank?

How many branches does QNB Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does QNB Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do QNB Bank rates compare?

Current QNB Bank Rates

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