What are the current interest rates at SN Bank?

Current rates for SN Bank include: 12-Month CD: 2.00%, 24-Month CD: 2.00%, 36-Month CD: 2.00%, 60-Month CD: 2.25%, Savings: 1.00%

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SN Bank

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SN Bank Rates & Review September 2026

Q: How many branches does SN Bank operate?

SN 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, SN 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, SN 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: September 19, 2026

SN Bank's 6-Months 6-Month Certificate rates are at 4.00%, 6-Months 6-Month Certificate rates are at 4.00%, 6-Months 6-Month Certificate rates are at 4.00%, 6-Months 6-Month Certificate rates are at 4.00%, 6-Months 6-Month IRA Certificate rates are at 3.75%. SN Bank's savings rates are at 1.00%. MonitorBankRates evaluates the financial stability of SN Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.94%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.94%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

SN Bank

122 Main St
Wayne, NE 68787

https://www.statenebank.com

SN Bank CD Rates

Product	Rate	APY	Term
6 Month Certificate	3.94%	4.00%	6 Months
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month Certificate	3.94%	4.00%	6 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month Certificate	3.94%	4.00%	6 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month Certificate	3.94%	4.00%	6 Months
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month IRA Certificate	3.68%	3.75%	6 Months
Min Balance $250 Details APY**: 3.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month IRA Certificate	3.68%	3.75%	6 Months
Min Balance $10,000 Details APY**: 3.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month IRA Certificate	3.68%	3.75%	6 Months
Min Balance $25,000 Details APY**: 3.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
6 Month IRA Certificate	3.68%	3.75%	6 Months
Min Balance $50,000 Details APY**: 3.75% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year Certificate	2.48%	2.50%	2 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year Certificate	2.48%	2.50%	2 Year
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year IRA Certificate	2.47%	2.50%	2 Year
Min Balance $25,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year IRA Certificate	2.47%	2.50%	2 Year
Min Balance $50,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year Certificate	2.48%	2.50%	3 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year Certificate	2.48%	2.50%	3 Year
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year IRA Certificate	2.47%	2.50%	3 Year
Min Balance $25,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year IRA Certificate	2.47%	2.50%	3 Year
Min Balance $50,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year Certificate	2.48%	2.50%	5 Year
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year Certificate	2.48%	2.50%	5 Year
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year Certificate	2.48%	2.50%	5 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year Certificate	2.48%	2.50%	5 Year
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year IRA Certificate	2.47%	2.50%	5 Year
Min Balance $25,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year IRA Certificate	2.47%	2.50%	5 Year
Min Balance $50,000 Details APY**: 2.50% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
5 Year IRA Certificate	2.23%	2.25%	5 Year
Min Balance $250 Details APY**: 2.25% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year Certificate	1.99%	2.00%	1 Year
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year Certificate	1.99%	2.00%	1 Year
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year Certificate	1.99%	2.00%	1 Year
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year Certificate	1.99%	2.00%	1 Year
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year IRA Certificate	1.98%	2.00%	1 Year
Min Balance $250 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year IRA Certificate	1.98%	2.00%	1 Year
Min Balance $10,000 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year IRA Certificate	1.98%	2.00%	1 Year
Min Balance $25,000 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
1 Year IRA Certificate	1.98%	2.00%	1 Year
Min Balance $50,000 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year Certificate	1.99%	2.00%	2 Year
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year Certificate	1.99%	2.00%	2 Year
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
2 Year IRA Certificate	1.98%	2.00%	2 Year
Min Balance $250 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year Certificate	1.99%	2.00%	3 Year
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year Certificate	1.99%	2.00%	3 Year
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Year IRA Certificate	1.98%	2.00%	3 Year
Min Balance $250 Details APY**: 2.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month Certificate	1.24%	1.25%	3 Months
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month Certificate	1.24%	1.25%	3 Months
Min Balance $100,000 Details Balance: $100,000 & Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month IRA Certificate	1.24%	1.25%	3 Months
Min Balance $25,000 Details APY**: 1.25% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month IRA Certificate	1.24%	1.25%	3 Months
Min Balance $50,000 Details APY**: 1.25% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month Certificate	1.00%	1.00%	3 Months
Min Balance $1,000 Details Balance: $1,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month Certificate	1.00%	1.00%	3 Months
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
3 Month IRA Certificate	1.00%	1.00%	3 Months
Min Balance $250 Details APY**: 1.00% Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%

SN Bank Savings Rates

Product	Rate	APY
Money Market Savings	1.74%	1.75%
Min Balance $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.49%	1.50%
Min Balance $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.49%	1.50%
Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.24%	1.25%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Personal Regular Savings	1.24%	1.25%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.00%	1.00%
Min Balance $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Health Savings Account	0.50%	0.50%
Min Balance $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%

SN Bank Money Market Rates

Product	Rate	APY
Money Market Savings	1.74%	1.75%
Min Balance $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.49%	1.50%
Min Balance $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.49%	1.50%
Min Balance $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.24%	1.25%
Min Balance $0 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Money Market Savings	1.00%	1.00%
Min Balance $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%

SN Bank Checking Rates

Product	Rate	APY
"NOW" OR Business Checking	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
"NOW" OR Business Checking	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
"Super NOW" Checking	1.49%	1.50%
Min Balance $2,500 Details Average Balance $2,500.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
"NOW" OR Business Checking	1.00%	1.00%
Min Balance $0 Details Balance: $0.01 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
"NOW" OR Business Checking	1.00%	1.00%
Min Balance $25,000 Details Balance: $25,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%

SN Bank Other Rates

Product	Rate	Points	APY/APR	Term
Bankers Dozen	3.94%	-	4.00%	13 Months
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Banking 4Ward	3.94%	-	4.00%	10 Years
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%
Community Banker	3.94%	-	4.00%	6 Months
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.94%

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

SN Bank’s Texas Ratio fell from 12.05% in Q3 2023 to 10.94% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 4.5 to 5.0 and its Health Grade from B+ to A. 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	$244M	10.94%	5.0	A
March 31, 2026	$249M	9.27%	5.0	A
December 31, 2025	$250M	9.55%	5.0	A
September 30, 2025	$255M	9.45%	5.0	A
June 30, 2025	$253M	10.39%	5.0	A
March 31, 2025	$249M	12.17%	5.0	A
December 31, 2024	$248M	11.32%	5.0	A
September 30, 2024	$248M	14.22%	5.0	A-
June 30, 2024	$245M	16.94%	4.8	B+
March 31, 2024	$255M	13.92%	4.8	A-
December 31, 2023	$240M	10.31%	5.0	A
September 30, 2023	$225M	12.05%	4.5	B+

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 SN 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 SN 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 SN Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SN Bank

Bank Holding Company STATE NATIONAL BANCSHARES INC

Address 122 Main St, Wayne, NE 68787 · Wayne

Website https://www.statenebank.com

FDIC Certificate # 5490

Established 18920101

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.94%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1979%

Return on Equity (ROE) 12.6200%

Non-Performing Loans (NPL) 1.08%

Total Assets $243,966,000

Total Deposits $203,794,000

Equity Capital $24,160,000

Net Income $1,484,000

Headquarters Wayne

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

SN 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.

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  <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.

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Frequently Asked Questions About SN Bank

How many branches does SN Bank operate?

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

Does SN Bank offer online and mobile banking?

Most modern institutions like SN 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.statenebank.com.