What are the current interest rates at Sterling Bank and Trust, FSB?

Current rates for Sterling Bank and Trust, FSB include: Savings: 3.90%

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Sterling Bank and Trust, FSB Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sterling Bank and Trust, FSB 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: March 15, 2026

Sterling Bank and Trust, FSB's savings rates are at 3.90%. MonitorBankRates evaluates the financial stability of Sterling Bank and Trust, FSB with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.04%. Rates were last updated on 03/15/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.04%

Excellent Lower than avg

Sterling Bank and Trust, FSB

1 Towne Sq
Southfield, MI 48076

https://www.sterlingbank.com

Sterling Bank and Trust, FSB Savings Rates

Product	Rate	APY	View More
EverBank Performance Savings	-	3.90%
Details New account APY3; This account is not available to open through our financial centers; it can only be opened online or by calling our client solutions team. Last Updated 03/15/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.04%

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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Sterling Bank and Trust, FSB 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 Sterling Bank and Trust, FSB 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 Sterling Bank and Trust, FSB's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Sterling Bank and Trust, FSB

Bank Holding Company K I S S DYNASTY TRUST NO 9

Address 1 Towne Sq, Southfield, MI 48076 · Oakland

Website https://www.sterlingbank.com

FDIC Certificate # 32232

Established 04/18/1984

FDIC Insurance Date 08/09/1989

Domestic Offices 27

Total Branches 0

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3800%

Return on Equity (ROE) 2.7000%

Non-Performing Loans (NPL) 0.27%

Total Assets $2,298,402,000

Total Deposits $1,982,584,000

Equity Capital $292,444,000

Net Income $-37,161,000

Headquarters Southfield

Total Offices 27

Source: FDIC | Last Updated 03/31/2025

Customer Reviews

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Frequently Asked Questions About Sterling Bank and Trust, FSB

Is Sterling Bank and Trust, FSB a safe place to deposit money?

Yes, Sterling Bank and Trust, FSB is considered a safe financial institution. With a Texas Ratio of 2.0355681118476%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Sterling Bank and Trust, FSB operate?

Sterling Bank and Trust, FSB currently maintains approximately multiple 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, Sterling Bank and Trust, FSB 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, Sterling Bank and Trust, FSB provides members with tools to manage their accounts and build a solid financial history.

Does Sterling Bank and Trust, FSB offer online and mobile banking?

Most modern institutions like Sterling Bank and Trust, FSB 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.sterlingbank.com.