What are the current interest rates at SouthernTrust Bank?

Current rates for SouthernTrust Bank include: 12-Month CD: 1.26%, 18-Month CD: 3.03%, 24-Month CD: 1.51%, 36-Month CD: 1.51%, 48-Month CD: 1.56%, 60-Month CD: 1.56%, Savings: 0.10%, MMA: 1.26%

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SouthernTrust Bank Rates & Review October 2026

Q: How many branches does SouthernTrust Bank operate?

SouthernTrust Bank currently maintains approximately 3 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, SouthernTrust 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, SouthernTrust 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: October 12, 2026

SouthernTrust Bank's top rates as of October 12, 2026 are 3.03% APY on its 18-Month Certificate, 0.10% APY on savings, and 1.26% APY on money market accounts, according to rates verified by MonitorBankRates. Other SouthernTrust Bank CD rates include 48-Month Certificate at 1.56%, 60-Month Certificate at 1.56%, and 24-Month Certificate at 1.51%. MonitorBankRates evaluates the financial stability of SouthernTrust Bank with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.87%. Rates last updated and verified on 10/12/2026.

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

Overall Health & Safety Grade

Solid Health Score: 86/100

MonitorBankRates Rating

4.6

Excellent Out of 5.0 Stars

Texas Ratio

19.87%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

SouthernTrust Bank

701 N Court St
Marion, IL 62959

https://www.southerntrustbankonline.com/

Customer Reviews

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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.

SouthernTrust Bank CD Rates

Product	Rate	APY	Term
18 Month Certificate	3.00%	3.03%	18 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.03% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
48 Month Certificate	1.55%	1.56%	48 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.56% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
60 Month Certificate	1.55%	1.56%	60 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.56% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
24 Month Certificate	1.50%	1.51%	24 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
36 Month Certificate	1.50%	1.51%	36 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.51% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
12 Month Certificate	1.25%	1.26%	12 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.26% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
6 Month Certificate	0.85%	0.85%	6 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.85% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
3 Month Certificate	0.50%	0.50%	3 month
Min Deposit $1,000 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%

SouthernTrust Bank Savings Rates

Product	Rate	APY
Christmas Club	0.15%	0.15%
Min Deposit $10 Min Balance $10 Details Balance: $10 and over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernBusiness Savings	0.10%	0.10%
Min Deposit $100 Min Balance $100 Details Balance: $100 and over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernSavings	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Balance: $50 and over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 2 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%

SouthernTrust Bank Money Market Rates

Product	Rate	APY
Money Market Deposit Account	1.25%	1.26%
Min Deposit $2,500 Min Balance $750,000 Details Balance: $750,000.00 - and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Money Market Deposit Account	1.10%	1.11%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00 - $749,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.11% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Money Market Deposit Account	1.00%	1.00%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Money Market Deposit Account	0.75%	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $249,000.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Money Market Deposit Account	0.60%	0.60%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Money Market Deposit Account	0.50%	0.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%

SouthernTrust Bank Other Rates

Product	Rate	Points	APY/APR
Southern Business Advantage	0.15%	-	0.15%
Min Deposit $1,500 Min Balance $4,000 Details Balance: $4,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Southern Business Advantage	0.25%	-	0.25%
Min Deposit $1,500 Min Balance $10,000 Details Balance: $10,000.00 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
Southern Business Advantage	-	-	0.10%
Min Deposit $1,500 Min Balance $1,500 Details Balance: $1,500.00 - $3,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernGold	0.10%	-	0.10%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.00 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernGold	0.15%	-	0.15%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernGold	0.25%	-	0.25%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernRewards	0.50%	-	0.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Requirements met; Balance: $0.00 - $10,000.00 (With requirements met) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernRewards	0.10%	-	0.10%
Min Deposit $100 Min Balance $10,000 Details Qualifications Required: Requirements met; Balance: $10,000 and over (With requirements met) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernRewards	0.50%	-	0.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: No Requirements met; Balance: $0.00 and over (No Requirements met) Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%
SouthernSilver	0.10%	-	0.10%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000.00 and over Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 4.6 Star Rating B Health Grade ◈ Texas Ratio: 19.87%

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

SouthernTrust Bank’s Texas Ratio rose from 7.42% in Q3 2023 to 19.87% 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 4.6 and its Health Grade from A to B. 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	$278M	19.87%	4.6	B
March 31, 2026	$283M	17.05%	4.8	B+
December 31, 2025	$289M	17.72%	4.8	B+
September 30, 2025	$269M	15.74%	4.9	A-
June 30, 2025	$274M	17.07%	4.8	B+
March 31, 2025	$276M	9.67%	5.0	A
December 31, 2024	$277M	11.17%	5.0	A
September 30, 2024	$269M	12.75%	5.0	A
June 30, 2024	$264M	11.26%	5.0	A
March 31, 2024	$270M	6.71%	5.0	A
December 31, 2023	$274M	6.65%	5.0	A
September 30, 2023	$262M	7.42%	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 SouthernTrust 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 SouthernTrust 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 SouthernTrust Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SouthernTrust Bank

Bank Holding Company SOUTH PORTE FINANCIAL INC

Address 701 N Court St, Marion, IL 62959 · Williamson

Website https://www.southerntrustbankonline.com/

FDIC Certificate # 57897

Established 20050531

FDIC Insurance Date 20050531

Domestic Offices 3

Total Branches 3

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 86/100

4.6

Excellent Out of 5.0 Stars

19.87%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2941%

Return on Equity (ROE) 11.9700%

Non-Performing Loans (NPL) 1.96%

Total Assets $278,497,000

Total Deposits $192,338,000

Equity Capital $30,622,000

Net Income $1,834,000

Headquarters Marion

Total Branches and Offices 3

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About SouthernTrust Bank

How many branches does SouthernTrust Bank operate?

SouthernTrust Bank currently maintains approximately 3 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, SouthernTrust 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, SouthernTrust Bank provides members with tools to manage their accounts and build a solid financial history.

Does SouthernTrust Bank offer online and mobile banking?

Most modern institutions like SouthernTrust 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.southerntrustbankonline.com/.