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Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
SN Bank Rates & Review November 2026
Content reviewed by
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
Finance Calculators
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.
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: November 5, 2026
SN Bank's CD - 6-Month rates are at 4.00%, CD - 2 Year rates are at 2.50%, CD - 3 Year rates are at 2.50%, CD - 5 Year rates are at 2.50%, CD - 1 Year rates are at 2.00%. SN Bank's savings rates are at 1.75%. SN Bank's checking rates are as high as 1.50%. SN Bank's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. 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 11/05/2026.
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.
SN Bank has earned an overall safety grade of A (Excellent, Score: 95/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
SN Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
10.94%
ExcellentHigher than avg
SN Bank Texas Ratio
SN Bank's Texas Ratio is 10.94%, which is considered excellent and is higher than the national average of 5.85%.
SN Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
12.05% to 10.94% over 12 quarters, improvingFull history
Star Rating 4.5 to 5.0, Health Grade B+ to A
The Texas Ratio for this bank has improved since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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.
SN Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
CD - 6-month
3.94%
4.00%
6 Months
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 19, 20264.00%▲ from 3.75%
Sep 11, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 6-month
3.94%
4.00%
6 Months
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 19, 20264.00%▲ from 3.75%
Sep 11, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 6-month
3.94%
4.00%
6 Months
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 19, 20264.00%▲ from 3.75%
Sep 11, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 6-month
3.94%
4.00%
6 Months
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 19, 20264.00%▲ from 3.75%
Sep 11, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
6-Month IRA CD
3.68%
3.75%
6 Months
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
6-Month IRA CD
3.68%
3.75%
6 Months
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
6-Month IRA CD
3.68%
3.75%
6 Months
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
6-Month IRA CD
3.68%
3.75%
6 Months
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 3.75% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
2-Year IRA CD
2.47%
2.50%
2 Year
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
2-Year IRA CD
2.47%
2.50%
2 Year
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Year IRA CD
2.47%
2.50%
3 Year
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Year IRA CD
2.47%
2.50%
3 Year
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
5-Year IRA CD
2.47%
2.50%
5 Year
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
5-Year IRA CD
2.47%
2.50%
5 Year
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 2-Year
2.48%
2.50%
2 Year
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 2-Year
2.48%
2.50%
2 Year
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-Year
2.48%
2.50%
3 Year
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-Year
2.48%
2.50%
3 Year
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 5-Year
2.48%
2.50%
5 Year
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 5-Year
2.48%
2.50%
5 Year
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 5-Year
2.48%
2.50%
5 Year
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 5-Year
2.48%
2.50%
5 Year
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
5-Year IRA CD
2.23%
2.25%
5 Year
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
5-Year IRA CD
2.23%
2.25%
5 Year
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
1-Year IRA CD
1.98%
2.00%
1 Year
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
1-Year IRA CD
1.98%
2.00%
1 Year
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
1-Year IRA CD
1.98%
2.00%
1 Year
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
1-Year IRA CD
1.98%
2.00%
1 Year
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
2-Year IRA CD
1.98%
2.00%
2 Year
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
2-Year IRA CD
1.98%
2.00%
2 Year
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Year IRA CD
1.98%
2.00%
3 Year
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Year IRA CD
1.98%
2.00%
3 Year
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 1-Year
1.99%
2.00%
1 Year
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 1-Year
1.99%
2.00%
1 Year
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 1-Year
1.99%
2.00%
1 Year
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 1-Year
1.99%
2.00%
1 Year
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 2-Year
1.99%
2.00%
2 Year
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 2-Year
1.99%
2.00%
2 Year
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-Year
1.99%
2.00%
3 Year
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-Year
1.99%
2.00%
3 Year
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Month IRA CD
1.24%
1.25%
3 Months
$250
Min Deposit$250
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Month IRA CD
1.24%
1.25%
3 Months
$250
Min Deposit$250
Min Balance$50,000
DetailsBalance: $50,000 & Above
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.25% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-month
1.24%
1.25%
3 Months
-
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-month
1.24%
1.25%
3 Months
-
Min Balance$100,000
DetailsBalance: $100,000.00 and above
Last Updated11/05/2026
Rate History
No change since Sep 11, 2026 · 1.25% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Month IRA CD
1.00%
1.00%
3 Months
$250
Min Deposit$250
Min Balance$250
DetailsBalance: $250 - $9,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
3-Month IRA CD
1.00%
1.00%
3 Months
$250
Min Deposit$250
Min Balance$10,000
DetailsBalance: $10,000 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Oct 20, 2026 · 1.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-month
1.00%
1.00%
3 Months
-
Min Balance$1,000
DetailsBalance: $1,000.00 - $24,999.99
Last Updated11/05/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
CD - 3-month
1.00%
1.00%
3 Months
-
Min Balance$25,000
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
No change since Sep 11, 2026 · 1.00% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
SN Bank Savings Rates
Product
Rate
APY
View More
Money Market Savings
1.74%
1.75%
Min Balance$100,000
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
Sep 19, 20261.75%▲ from 1.50%
Sep 11, 20261.50%first recorded
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 Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
Sep 19, 20261.50%▲ from 1.25%
Sep 11, 20261.25%first recorded
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 Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Money Market Savings
1.24%
1.25%
Min Balance$0
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
Sep 19, 20261.25%▲ from 1.00%
Sep 11, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Personal Regular Savings
1.24%
1.25%
Min Balance$0
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
Sep 19, 20261.25%▲ from 1.00%
Sep 11, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Money Market Savings
1.00%
1.00%
Min Balance$25
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50%
Sep 19, 20261.00%▲ from 0.50%
Sep 11, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Health Savings Account
0.50%
0.50%
Min Balance$25
Last Updated11/05/2026
Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 14 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
SN Bank Money Market Rates
Product
Rate
APY
View More
Money Market Savings
1.74%
1.75%
Min Balance$100,000
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.50% → 1.75% ▲ 0.25 pts · high 1.75% / low 1.50%
Sep 19, 20261.75%▲ from 1.50%
Sep 11, 20261.50%first recorded
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 Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
Sep 19, 20261.50%▲ from 1.25%
Sep 11, 20261.25%first recorded
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 Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Money Market Savings
1.24%
1.25%
Min Balance$0
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.00% → 1.25% ▲ 0.25 pts · high 1.25% / low 1.00%
Sep 19, 20261.25%▲ from 1.00%
Sep 11, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
Money Market Savings
1.00%
1.00%
Min Balance$25
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50%
Sep 19, 20261.00%▲ from 0.50%
Sep 11, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
SN Bank Checking Rates
Product
Rate
APY
View More
"Super NOW" Checking
1.49%
1.50%
Min Balance$2,500
DetailsAverage Balance $2,500.00
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00%
Sep 19, 20261.50%▲ from 1.00%
Sep 11, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
SN Bank Business Checking Rates
Product
Rate
APY
View More
"NOW" OR Business Checking
1.49%
1.50%
Min Balance$50,000
DetailsBalance: $50,000.00 - $99,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 1.00% → 1.50% ▲ 0.50 pts · high 1.50% / low 1.00%
Sep 19, 20261.50%▲ from 1.00%
Sep 11, 20261.00%first recorded
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
DetailsBalance: $100,000.00 and over
Last Updated11/05/2026
Rate History
No change since Sep 19, 2026 · 1.50% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
"NOW" OR Business Checking
1.00%
1.00%
Min Balance$0
DetailsBalance: $0.01 - $24,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50%
Sep 19, 20261.00%▲ from 0.50%
Sep 11, 20260.50%first recorded
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
DetailsBalance: $25,000.00 - $49,999.99
Last Updated11/05/2026
Rate History
1 change since Sep 11, 2026 · 0.75% → 1.00% ▲ 0.25 pts · high 1.00% / low 0.75%
1 change since Sep 11, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
Sep 19, 20264.00%▲ from 3.75%
Sep 11, 20263.75%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 10.94%
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.
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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Frequently Asked Questions About SN Bank
Does SN Bank offer CDs?
Yes. SN Bank current CD rates include its CD - 6-Month at 4.00% APY, its CD - 2 Year at 2.50% APY and its CD - 3 Year at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.
Are CDs from SN Bank FDIC insured?
Yes. SN Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at SN Bank?
The highest SN Bank CD rate is its Certificate of Deposit - 6-Month at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.
What CD terms does SN Bank offer?
SN Bank CD rates are 4.00% APY for a 6 month CD, 2.00% APY for a 12 month CD, 2.50% APY for a 2 year CD, 2.50% APY for a 3 year CD and 2.50% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with SN Bank for its full lineup.
What is the highest savings rate at SN Bank?
The highest SN Bank savings rate is its Personal Regular Savings at 1.25% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest money market rate at SN Bank?
The highest SN Bank money market rate is its Money Market Savings at 1.75% APY, verified by MonitorBankRates as of November 5, 2026.
What is the highest checking rate at SN Bank?
The highest SN Bank checking rate is its "NOW" OR Business Checking at 1.50% APY, verified by MonitorBankRates as of November 5, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do SN Bank rates compare?
SN Bank's top CD rate of 4.00% APY on a 6 month CD is 43% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A health rating. SN Bank's top rates are its 6-Months Certificate of Deposit - 6-Month at 4.00% APY, its Money Market Savings at 1.75% APY and its "NOW" OR Business Checking at 1.50% APY, verified by MonitorBankRates on November 5, 2026.
Current SN Bank Rates
12-Month CD2.00%
24-Month CD2.00%
36-Month CD2.00%
60-Month CD2.25%
Savings1.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
