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Advertiser Disclosure
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 South Ottumwa SB Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: August 28, 2026
South Ottumwa SB's 11-Month Special rates are at 3.45%, 60-Month CD rates are at 2.01%, 48-Month CD rates are at 1.76%, 24-Month CD rates are at 1.51%, 36-Month CD rates are at 1.51%. MonitorBankRates evaluates the financial stability of South Ottumwa SB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.00%. Rates last updated and verified on 08/28/2026. South Ottumwa SB 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 South Ottumwa SB? Share your experience about South Ottumwa SB by leaving a review below, or read customer reviews before you decide to use South Ottumwa SB. 
South Ottumwa SB CD Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for South Ottumwa SB 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 South Ottumwa SB 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 South Ottumwa SB's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
South Ottumwa SB
Bank Holding Company
CORNERSTONE FINL SERVICES GROUP
Address
320 Church St,
Ottumwa, IA 52501 · Wapello
Website
https://www.sosb-ia.com
FDIC Certificate #
9099
Established
01/01/1903
FDIC Insurance Date
01/01/1934
Domestic Offices
6
Total Branches
6
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
1.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0641%
Return on Equity (ROE)
9.9900%
Non-Performing Loans (NPL)
0.11%
Total Assets
$518,942,000
Total Deposits
$429,506,000
Equity Capital
$74,296,000
Net Income
$6,662,000
Headquarters
Ottumwa
Total Branches and Offices
6
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
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Frequently Asked Questions About South Ottumwa SBHow many branches does South Ottumwa SB operate?South Ottumwa SB currently maintains approximately 6 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, South Ottumwa SB 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, South Ottumwa SB provides members with tools to manage their accounts and build a solid financial history. Does South Ottumwa SB offer online and mobile banking?Most modern institutions like South Ottumwa SB 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.sosb-ia.com. Current South Ottumwa SB Rates
Retrieved from our database of financial products. Rates subject to change.
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