What are the current interest rates at Spring Hill State Bank?

Current rates for Spring Hill State Bank include: 12-Month CD: 2.88%, 18-Month CD: 2.98%, 24-Month CD: 3.03%, 36-Month CD: 3.03%, 48-Month CD: 3.09%, 60-Month CD: 3.09%, Savings: 0.35%, MMA: 2.84%

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Spring Hill State Bank Rates & Review October 2026

Q: How many branches does Spring Hill State Bank operate?

Spring Hill State Bank currently maintains approximately 2 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, Spring Hill State 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, Spring Hill State 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 7, 2026

Spring Hill State Bank's top rates as of October 7, 2026 are 3.75% APY on its 18-Months 18-Month CD, 0.35% APY on savings, 2.84% APY on money market accounts, and 0.50% APY on checking, according to rates verified by MonitorBankRates. Other Spring Hill State Bank CD rates include 12-Months 12-Month CD at 3.70%, 6-Months 6-Month CD at 3.60%, and 60-Months 60-Month CD at 3.55%. MonitorBankRates evaluates the financial stability of Spring Hill State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.57%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 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

4.57%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Spring Hill State Bank

3700 Gilmer Rd
Longview, TX 75604

https://www.springhillbank.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.

Spring Hill State Bank CD Rates

Product	Rate	APY	Term
18 Month CD	3.70%	3.75%	18 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.19% → 3.75% ▲ 0.56 pts · high 3.75% / low 3.19% Oct 7, 20263.75%▲ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
12 Month CD	3.65%	3.70%	12 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 3.70% ▲ 0.97 pts · high 3.70% / low 2.73% Oct 7, 20263.70%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
6 Month CD	3.55%	3.60%	6 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 3.60% ▲ 0.97 pts · high 3.60% / low 2.63% Oct 7, 20263.60%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
60 Month CD	3.50%	3.55%	60 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.93% → 3.55% ▲ 0.62 pts · high 3.55% / low 2.93% Oct 7, 20263.55%▲ from 2.93% Sep 14, 20262.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
48 Month CD	3.45%	3.49%	48 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.93% → 3.49% ▲ 0.56 pts · high 3.49% / low 2.93% Oct 7, 20263.49%▲ from 2.93% Sep 14, 20262.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
24 Month CD	3.40%	3.44%	24 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.83% → 3.44% ▲ 0.61 pts · high 3.44% / low 2.83% Oct 7, 20263.44%▲ from 2.83% Sep 14, 20262.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
36 Month CD	3.40%	3.44%	36 months
Min Deposit $99,000 Min Balance $1,000 Details Maximum CD amount of $250,000.00 without prior approval. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.88% → 3.44% ▲ 0.56 pts · high 3.44% / low 2.88% Oct 7, 20263.44%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
60 Month Fixed Rate	3.10%	3.15%	60 months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.89% → 3.15% ▲ 0.26 pts · high 3.15% / low 2.89% Oct 7, 20263.15%▲ from 2.89% Sep 14, 20262.89%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
30 Month Fixed Rate	3.05%	3.10%	30 months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.84% → 3.10% ▲ 0.26 pts · high 3.10% / low 2.84% Oct 7, 20263.10%▲ from 2.84% Sep 14, 20262.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
48 Month CD	3.05%	3.09%	48 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.93% → 3.09% ▲ 0.16 pts · high 3.09% / low 2.93% Oct 7, 20263.09%▲ from 2.93% Sep 14, 20262.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
60 Month CD	3.05%	3.09%	60 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.93% → 3.09% ▲ 0.16 pts · high 3.09% / low 2.93% Oct 7, 20263.09%▲ from 2.93% Sep 14, 20262.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
24 Month CD	3.00%	3.03%	24 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.83% → 3.03% ▲ 0.20 pts · high 3.03% / low 2.83% Oct 7, 20263.03%▲ from 2.83% Sep 14, 20262.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
36 Month CD	3.00%	3.03%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.88% → 3.03% ▲ 0.15 pts · high 3.03% / low 2.88% Oct 7, 20263.03%▲ from 2.88% Sep 14, 20262.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
18 Month CD	2.95%	2.98%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 3.19% → 2.98% ▼ 0.21 pts · high 3.19% / low 2.98% Oct 7, 20262.98%▼ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
12 Month CD	2.85%	2.88%	12 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.73% → 2.88% ▲ 0.15 pts · high 2.88% / low 2.73% Oct 7, 20262.88%▲ from 2.73% Sep 14, 20262.73%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
6 Month CD	2.75%	2.78%	6 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.63% → 2.78% ▲ 0.15 pts · high 2.78% / low 2.63% Oct 7, 20262.78%▲ from 2.63% Sep 14, 20262.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Spring Hill State Bank Savings Rates

Product	Rate	APY
Savings Tier Account	0.35%	0.35%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 and above; Fees may reduce earnings on the account; We may change the interest rate on your account at anytime. However, the interest rate on this account can be lowered only with a 30 day prior notice. Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Savings Tier Account	0.25%	0.25%
Min Deposit $100 Min Balance $0 Details Balance: Below $9,999.99; Fees may reduce earnings on the account; We may change the interest rate on your account at anytime. However, the interest rate on this account can be lowered only with a 30 day prior notice. Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Spring Hill State Bank Money Market Rates

Product	Rate	APY
Money Market Tier Account	2.80%	2.84%
Min Deposit $2,500 Min Balance $2,000,000 Details Balance: $2,000,000.00 and above; Fees may reduce earnings on the account; Rate may change after account opens Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 2.68% → 2.84% ▲ 0.16 pts · high 2.84% / low 2.68% Oct 7, 20262.84%▲ from 2.68% Sep 14, 20262.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market Tier Account	1.80%	1.81%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 and above; Fees may reduce earnings on the account; Rate may change after account opens Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 1.66% → 1.81% ▲ 0.15 pts · high 1.81% / low 1.66% Oct 7, 20261.81%▲ from 1.66% Sep 14, 20261.66%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market Tier Account	1.25%	1.26%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 and above; Fees may reduce earnings on the account; Rate may change after account opens Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 1.21% → 1.26% ▲ 0.05 pts · high 1.26% / low 1.21% Oct 7, 20261.26%▲ from 1.21% Sep 14, 20261.21%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%
Money Market Tier Account	0.25%	0.25%
Min Deposit $2,500 Min Balance $0 Details Balance: Below $2,500.00; Fees may reduce earnings on the account; Rate may change after account opens Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Spring Hill State Bank Business Checking Rates

Product	Rate	APY	View More
Commercial Interest Checking Account	0.50%	0.50%
Min Deposit $100 Min Balance $5,000 Details Daily Balance to Obtain APY; Fees may reduce earnings on the account; Rates may change at any time without notice after account opens Last Updated 10/07/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 7, 20260.50%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

Spring Hill State Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Super Now Account	0.20%	-	0.20%
Min Deposit $1,500 Min Balance $1,500 Details Daily Balance to Avoid Imposition of Fees; Fees may reduce earnings on the account; Rates may change at any time without notice after account opens Last Updated 10/07/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.57%

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.
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Financial Health History

Spring Hill State Bank’s Texas Ratio rose from 3.97% in Q3 2023 to 4.57% 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 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$238M	4.57%	5.0	A+
March 31, 2026	$238M	5.24%	5.0	A+
December 31, 2025	$250M	3.77%	5.0	A+
September 30, 2025	$250M	2.38%	5.0	A+
June 30, 2025	$248M	3.40%	5.0	A+
March 31, 2025	$248M	3.92%	5.0	A+
December 31, 2024	$239M	3.25%	5.0	A+
September 30, 2024	$242M	1.96%	5.0	A+
June 30, 2024	$240M	1.05%	5.0	A+
March 31, 2024	$229M	3.76%	5.0	A+
December 31, 2023	$225M	5.06%	5.0	A+
September 30, 2023	$232M	3.97%	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 Spring Hill State 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 Spring Hill State 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 Spring Hill State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Spring Hill State Bank

Bank Holding Company SPRING HILL HOLDINGS CORP

Address 3700 Gilmer Rd, Longview, TX 75604 · Gregg

Website https://www.springhillbank.com

FDIC Certificate # 22526

Established 19770919

FDIC Insurance Date 19770919

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.57%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4228%

Return on Equity (ROE) 8.8000%

Non-Performing Loans (NPL) 0.74%

Total Assets $238,494,000

Total Deposits $186,946,000

Equity Capital $39,792,000

Net Income $1,723,000

Headquarters Longview

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Spring Hill State Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Spring Hill State Bank

How many branches does Spring Hill State Bank operate?

Spring Hill State Bank currently maintains approximately 2 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, Spring Hill State 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, Spring Hill State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Spring Hill State Bank offer online and mobile banking?

Most modern institutions like Spring Hill State 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.springhillbank.com.