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SSB State Street Bank Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
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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.
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| iEditorial Disclosure
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: September 20, 2026

SSB State Street Bank's 19-Month Certificate rates are at 4.00%, 8-Month Certificate rates are at 3.80%, 3-Month Certificate rates are at 3.44%, 90 Day / 3-Month rates are at 3.44%, 12-Month Certificate rates are at 1.26%. SSB State Street Bank's savings rates are at 2.00%. SSB State Street Bank's 15 Year Fixed Rate rates are at 6.95%, Mortgage - 15 Year Fixed rates are at 6.88%, 30 Year Fixed Rate rates are at 7.30%, Mortgage - 30 Year Fixed rates are at 7.25%. MonitorBankRates evaluates the financial stability of SSB State Street Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.33%. Rates last updated and verified on 09/20/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
3.33%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
SSB State Street Bank
801 State St
Quincy, IL 62301
https://www.staestreetbank.com
Member FDIC

SSB State Street Bank CD Rates

Product Rate APY Term View More
19 Month Certificate 3.94% 4.00% 19 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
8 Month Certificate 3.75% 3.80% 8 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
3 Month Certificate 3.40% 3.44% 3 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
90 Day / 3 Month 3.40% 3.44% 90 Day / 3 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
12 Month Certificate 1.25% 1.26% 12 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
48 Month Certificate 1.25% 1.26% 48 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
6 Month Certificate 1.25% 1.26% 6 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
36 Month Certificate 1.20% 1.21% 36 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
60 Month Certificate 1.20% 1.21% 60 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
24 Month Certificate 1.10% 1.10% 24 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
18 Month Certificate 0.90% 0.90% 18 Month
Min Deposit $1,000
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%

SSB State Street Bank Savings Rates

Product Rate APY View More
Health Savings Account - 2.00%
Min Deposit $100
Details Qualifications Required: If you are enrolled in a high-deductible health insurance plan (HDHP) as defined by the government, you can qualify for an HSA.; Annual Percentage Yield (APY) accurate as of August 1, 2026. Interest is variable and may change after account is opened. Funds roll over each year, allowing you to save for larger medical expenses. Access your fund easily via debit card, online banking, or even by check. High deductible plan required.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%

SSB State Street Bank Checking Rates

Product Rate APY View More
Better Interest Checking - 3.00%
Min Deposit $100
Min Balance $0
Details Qualifications Required: 10 Debit Card purchases (excluding ATM transactions) post and settle per qualification cycle; Receive eStatements each qualification cycle; 1 Direct Deposit or ACH Auto Debit post and settle per qualification cycle; Balance: $.01 - $10,000; Rate: 0.25% APY applies to balances over $10,000; ATM fee refunds up to $20 per cycle; Rates may change after the account is opened.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%

SSB State Street Bank Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed Rate - - 6.95% 15 Year Fixed
Details As Low As; APR - Annual Percentage Rate
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
Mortgage - 15 Year Fixed 6.88% - 6.95% 15 Year Fixed
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
30 Year Fixed Rate - - 7.30% 30 Year Fixed
Details As Low As; APR - Annual Percentage Rate
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
Mortgage - 30 Year Fixed 7.25% - 7.30% 30 Year Fixed
No additional details.
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%

SSB State Street Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit - - 7.00%
Details As low as
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%

SSB State Street Bank Other Rates

Product Rate Points APY/APR Term View More
5 Year Balloon - 30 Year Amortization Loan 7.25% - 7.37%
Last Updated 09/20/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.33%
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.
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Financial Health History

SSB State Street Bank’s Texas Ratio rose from 1.91% in Q3 2023 to 3.33% 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 4.4 to 5.0 and its Health Grade from A- to A+. 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.

0% 1.0★ 1.1% 2.0★ 2.2% 3.0★ 3.4% 4.0★ 4.5% 5.0★ Healthy zone – entire history below the 15% limit 1.91% A- Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 3.33% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$357M3.33%5.0A+
March 31, 2026$352M2.22%5.0A+
December 31, 2025$349M2.74%5.0A+
September 30, 2025$341M2.91%5.0A+
June 30, 2025$335M2.93%5.0A+
March 31, 2025$337M1.62%5.0A+
December 31, 2024$325M1.33%5.0A+
September 30, 2024$326M1.43%5.0A+
June 30, 2024$322M2.41%5.0A+
March 31, 2024$319M1.84%5.0A+
December 31, 2023$317M2.07%5.0A+
September 30, 2023$314M1.91%4.4A-
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 SSB State Street 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 SSB State Street 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 SSB State Street Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SSB State Street Bank
Bank Holding Company BACKLUND INV EMPLOYEE STK OWNERSHIP PLAN
Address 801 State St, Quincy, IL 62301  ·  Adams
Website https://www.staestreetbank.com
FDIC Certificate # 14857
Established 18900101
FDIC Insurance Date 19341108
Domestic Offices 3
Total Branches 3
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
3.33%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 2.3967%
Return on Equity (ROE) 26.1300%
Non-Performing Loans (NPL) 0.31%
Total Assets $357,069,000
Total Deposits $315,493,000
Equity Capital $33,526,000
Net Income $4,225,000
Headquarters Quincy
Total Branches and Offices 3
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

SSB State Street 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/ssb-state-street-bank-cd-rates">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       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 SSB State Street Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
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Total Reviews
0
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Frequently Asked Questions About SSB State Street Bank

How many branches does SSB State Street Bank operate?

SSB State Street 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, SSB State Street 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, SSB State Street Bank provides members with tools to manage their accounts and build a solid financial history.

Does SSB State Street Bank offer online and mobile banking?

Most modern institutions like SSB State Street 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.staestreetbank.com.

Current SSB State Street Bank Rates

  • 12-Month CD1.26%
  • 18-Month CD0.90%
  • 24-Month CD1.10%
  • 36-Month CD1.21%
  • 48-Month CD1.26%
  • 60-Month CD1.21%
  • Savings2.00%
Retrieved from our database of financial products. Rates subject to change.

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