What are the current interest rates at The Baltic State Bank?

Current rates for The Baltic State Bank include: 12-Month CD: 3.82%, 18-Month CD: 3.70%, 24-Month CD: 3.70%, 36-Month CD: 1.51%, 48-Month CD: 1.51%, 60-Month CD: 1.51%, Savings: 0.30%

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The Baltic State Bank

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The Baltic State Bank Rates & Review September 2026

Q: How many branches does The Baltic State Bank operate?

The Baltic State Bank currently maintains approximately 4 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, The Baltic State 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, The Baltic State 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

The Baltic State Bank's 6-Month CD rates are at 3.92%, 12-Month CD rates are at 3.82%, 12-Month Variable rates are at 3.82%, 18-Month CD rates are at 3.70%, 24-Month CD rates are at 3.70%. The Baltic State Bank's savings rates are at 0.30%. MonitorBankRates evaluates the financial stability of The Baltic State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Baltic State Bank

101 E Main St
Baltic, OH 43804

https://www.balticstatebank.com

The Baltic State Bank CD Rates

Product	Rate	APY	Term
6 Month CD	3.85%	3.92%	6 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month CD	3.75%	3.82%	12 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
12 Month Variable	3.75%	3.82%	12 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
18 Month CD	3.64%	3.70%	18 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
24 Month CD	3.64%	3.70%	24 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
3 Month CD	2.13%	2.15%	3 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
36 Month CD	1.50%	1.51%	36 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
48 Month CD	1.50%	1.51%	48 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
60 Month CD	1.50%	1.51%	60 Month
Min Balance $500 Details Penalty will be imposed for early withdrawal. Contact us for further information about applicable fees and terms. Fees could reduce earnings on the account. Rates subject to change without notice. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

The Baltic State Bank Savings Rates

Product	Rate	APY
Savings Personal and Business	3.01%	3.05%
Min Balance $500,000 Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Savings Personal and Business	0.75%	0.75%
Min Balance $250,000 Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Health Savings	0.50%	0.50%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Savings Personal and Business	0.50%	0.50%
Min Balance $150,000 Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Savings Personal and Business	0.33%	0.33%
Min Balance $25,000 Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%
Savings Personal and Business	0.30%	0.30%
Min Balance $5,000 Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

The Baltic State Bank Checking Rates

Product	Rate	APY	View More
You Choose Checking Account	0.01%	0.01%
Details Rate based on current balance Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.00%

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

The Baltic State Bank’s Texas Ratio stayed near 0.28% in Q3 2023 to 0.00% 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 4.2 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.

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

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	$130M	0.00%	5.0	A+
March 31, 2026	$123M	0.00%	5.0	A+
December 31, 2025	$122M	0.00%	5.0	A+
September 30, 2025	$111M	0.00%	5.0	A+
June 30, 2025	$111M	0.00%	5.0	A+
March 31, 2025	$108M	0.00%	5.0	A+
December 31, 2024	$108M	0.00%	4.7	A
September 30, 2024	$103M	0.00%	5.0	A+
June 30, 2024	$101M	0.00%	4.9	A+
March 31, 2024	$101M	0.00%	4.7	A+
December 31, 2023	$105M	0.00%	4.3	A-
September 30, 2023	$100M	0.28%	4.2	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 The Baltic State 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 The Baltic State 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 The Baltic State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Baltic State Bank

Bank Holding Company BANCORP OF BALTIC INC

Address 101 E Main St, Baltic, OH 43804 · Tuscarawas

Website https://www.balticstatebank.com

FDIC Certificate # 17759

Established 19020101

FDIC Insurance Date 19570508

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1073%

Return on Equity (ROE) 15.6800%

Non-Performing Loans (NPL) 0.00%

Total Assets $129,580,000

Total Deposits $119,636,000

Equity Capital $9,083,000

Net Income $692,000

Headquarters Baltic

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Baltic State 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.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About The Baltic State Bank

How many branches does The Baltic State Bank operate?

The Baltic State Bank currently maintains approximately 4 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, The Baltic State 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, The Baltic State Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Baltic State Bank offer online and mobile banking?

Most modern institutions like The Baltic State 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.balticstatebank.com.