Spencer County Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to Spencer County Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Spencer County Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Spencer County Bank CD rates. You can also compare Spencer County Bank savings rates, MMA rates and mortgage rates using our other rate lists. Spencer County 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 Spencer County Bank? Share your experience about Spencer County Bank by leaving a review below, or read customer reviews before you decide to use Spencer County Bank. Spencer County Bank Texas Ratio Spencer County Bank's Texas Ratio is at 5.53%, which is considered excellent. The Texas Ratio for Spencer County Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Spencer County Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars. Compare Spencer County Bank Rates with Other Competitive Bank and Credit Union Rates
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4.12%
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Community Bank of Wichita
36-Month CD
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Finance Factors
6-Month CD
3.90%
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First Southwest Bank
24-Month CD
3.75%
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates June 15, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Our apologies, we do not have Spencer County Bank rate data right now, check back for updates, we are adding rates all the time. Spencer County Bank InformationSpencer County Bank
55 N L J Koch BlvdSanta Claus, IN 47579 Spencer Established Date: 08/19/1927 FDIC Certificate #: 5786 Date of FDIC Deposit Insurance: 01/01/1934 How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.spencercountybank.com
Is Spencer County Bank FDIC Insured? Yes
What is Spencer County Bank's Cert number? 5786
What is the maximum amount for insured deposits? $250,000 per holder, per account
Spencer County Bank FinancialsTotal Assets:
$129,360,000
Total Deposits:
$113,052,000
Equity Capital:
$15,716,000
Domestic Deposits:
$113,052,000
Net Income:
$230,000
Return on Assets:
1.1825%
Quarterly Return on Assets:
0.7300%
Pretax Return on Assets:
0.9059%
Pretax Quarterly Return on Assets:
0.9100%
Return on Equity:
10.2800%
Quarterly Return on Equity:
5.9000%
Leverage Tier 1 (Core Capital) Ratio:
13.0968%
Total Interest Income (YTD):
4.5433%
Headquarters:
Santa Claus
FDIC Field Office:
Indianapolis
Regulator:
FDIC
County:
Spencer
# of Offices:
5
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals Mortgage rates are higher today as 30 year conventional mortgage rates are back above 4.00%. Current mortgage rates on 30 year loans are averaging 4.02%, an increase from yesterday's average 30 year mortgage rate of 3.90%. Mortgage rates on 15 year home loans are averaging 3.31%, an increase from yesterday's average 15 year mortgage rate of 3.23%.
 Mortgage rates moved lower today as bond yields retreated after the sharp run-up of the past couple of weeks. Current mortgage rates on 30 year mortgage loans are averaging 4.15%, down from yesterday's average 3o year mortgage rate of 4.19%. Several weeks ago 30 year mortgage rates hit an all-time low of 3.94%. We might see rates head back down to that level if the Fed is successful at driving down long term interest rates. Another factor that will help keep mortgage rates low is the inflation rate. PPI for September outside of food and energy was only 0.2%. Today's mortgage rates on 15 year mortgages are also lower averaging 3.45%, down from yesterday's average 15 year mortgage rate of 3.49%.
 Looking to do a Refi? Mortgage rates are down this past week, after a sharp rise in rates the past couple of weeks, opening a window for many that thought the opportunity to do a mortgage refinance was over.
Bank or Credit Union Offers and DealsTop 12 Month CD Rates This Week October 10, 2012Best Savings Rates in Florida: Highest Savings APY in Miami 1.15% Mortgage Rates: Current Mortgage Rates Mixed, 30 Year Mortgage Rates at 4.80%, Refinance Applications up 17% Mortgage Rates: Fixed Mortgage Rates Stable as Fed to Lower Rates Where are Savings Interest Rates Headed with the Fed Looking to Taper? Credit Card Reform Applied Bank 2 Month CD Rates now at 0.05% Brand New High for 12 Month CD Rates in 2017 Mortgage Rates at Highest Level in 8 Months - 30 Year Mortgage Rates at 5.21% Mortgage Rates - Current Mortgage Rates Mixed in the Latest Mortgage Survey Alternative Bank and Credit Union Offers to ExploreMortgage Rates: Freddie Mac's Survey Mortgage Rates Down This WeekFive Star Bank CD Rates All CD Rates Move Higher as Bank CD Rates Increased AIG Bank Money Market Accounts Mortgage Rates Decline Slightly: 30 Year Mortgage Rates at 5.06% Savings Account Rates and the Savings Rate VirtualBank Money Market Account 50K Rates now at 0.73% Personal Income, Outlays and Current Savings Rates in the United States Top 10 Savings Account Rates Fed's Yellen Sees Likely Increase in the Federal Funds Rate Later this Year Spencer County Bank ReviewsThere are no reviews for Spencer County Bank yet. Feel free to create one below.
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Today's 12-month CD rates can be found at 3.19%, 6-month CD rates at 3.58% and 3-month CD rates at 4.01%. Current savings rates are at 0.75% and money market rates are at 0.40%. Mortgage rates today on 30-year fixed loans are around 7.16%. Credit Card rates are at 12.40%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. 
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