What are the current interest rates at Sturgis Bank & Trust Company?

Current rates for Sturgis Bank & Trust Company include: 12-Month CD: 4.01%, 24-Month CD: 3.75%

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Sturgis Bank & Trust Company

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Sturgis Bank & Trust Company Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sturgis Bank & Trust Company 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

Sturgis Bank & Trust Company's 13-Months 13-month special certificate of deposit rates are at 4.01%, 7-Months 7-month special certificate of deposit rates are at 4.01%, 23-Months 23-month special certificate of deposit rates are at 3.75%. MonitorBankRates evaluates the financial stability of Sturgis Bank & Trust Company with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.26%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.26%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Sturgis Bank & Trust Company

113 E Chicago Rd
Sturgis, MI 49091

https://www.sturgis.bank

Sturgis Bank & Trust Company CD Rates

Product	Rate	APY	Term
13-month special certificate of deposit	-	4.01%	13 months
Min Deposit $5,000 Details Annual Percentage Yield (APY) of 4.01% is effective as of 07/17/2026. Penalty may be imposed for early withdrawal. Rates are effective for a limited time. Offer subject to change without notice. Fees may reduce earnings. Certain restrictions may apply. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.26%
7-month special certificate of deposit	-	4.01%	7 months
Min Deposit $5,000 Details Annual Percentage Yield (APY) of 4.01% is effective as of 06/12/2026. Penalty may be imposed for early withdrawal. Rates are effective for a limited time. Offer subject to change without notice. Fees may reduce earnings. Certain restrictions may apply. Certificates will automatically renew at the renewal rate for certificates having a term of 6 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.26%
23-month special certificate of deposit	-	3.75%	23 months
Min Deposit $5,000 Details Annual Percentage Yield (APY) of 3.75% is effective as of 06/12/2026. Penalty may be imposed for early withdrawal. Rates are effective for a limited time. Offer subject to change without notice. Fees may reduce earnings. Certain restrictions may apply. Certificates will automatically renew at the renewal rate for certificates having a term of 12 months. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.26%

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

Sturgis Bank & Trust Company’s Texas Ratio rose from 2.65% in Q3 2023 to 13.26% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ 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	$1.0B	13.26%	5.0	A
March 31, 2026	$1.0B	14.04%	5.0	A-
December 31, 2025	$998M	14.56%	5.0	A-
September 30, 2025	$998M	14.52%	5.0	A-
June 30, 2025	$984M	8.35%	5.0	A
March 31, 2025	$958M	8.59%	5.0	A
December 31, 2024	$956M	9.32%	5.0	A
September 30, 2024	$947M	9.14%	5.0	A
June 30, 2024	$942M	8.78%	5.0	A
March 31, 2024	$925M	8.90%	5.0	A
December 31, 2023	$919M	16.17%	4.9	A-
September 30, 2023	$897M	2.65%	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 Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company 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 Sturgis Bank & Trust Company's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Sturgis Bank & Trust Company

Bank Holding Company STURGIS BCORP INC

Address 113 E Chicago Rd, Sturgis, MI 49091 · St. Joseph

Website https://www.sturgis.bank

FDIC Certificate # 28593

Established 19050101

FDIC Insurance Date 19890809

Domestic Offices 17

Total Branches 17

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 93/100

5.0

Exceptional Out of 5.0 Stars

13.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0262%

Return on Equity (ROE) 12.9900%

Non-Performing Loans (NPL) 0.68%

Total Assets $1,028,907,000

Total Deposits $893,000,000

Equity Capital $83,843,000

Net Income $5,201,000

Headquarters Sturgis

Total Branches and Offices 17

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Sturgis Bank & Trust Company 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/sturgis-bank-and-trust-company-rates-review-28593">
  <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

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Frequently Asked Questions About Sturgis Bank & Trust Company

How many branches does Sturgis Bank & Trust Company operate?

Sturgis Bank & Trust Company currently maintains approximately 17 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, Sturgis Bank & Trust Company 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, Sturgis Bank & Trust Company provides members with tools to manage their accounts and build a solid financial history.

Does Sturgis Bank & Trust Company offer online and mobile banking?

Most modern institutions like Sturgis Bank & Trust Company 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.sturgis.bank.