What are the current interest rates at Brenham National Bank?

Current rates for Brenham National Bank include: 18-Month CD: 0.05%, 24-Month CD: 0.05%, 36-Month CD: 0.05%, 48-Month CD: 0.05%, 60-Month CD: 0.05%, Savings: 0.01%, MMA: 0.01%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Banks›
Brenham National Bank

iAdvertiser Disclosure

Brenham National Bank Rates & Review September 2026

Q: How many branches does Brenham National Bank operate?

Brenham National 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, Brenham National 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, Brenham National 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 20, 2026

Brenham National Bank's 9-Month Jumbo 9-Month IRA Jumbo Certificate rates are at 3.50%, 9-Month Jumbo CD rates are at 3.50%, 9-Months 9-Month CD rates are at 3.15%, 9-Months 9-Month IRA Certificate rates are at 3.15%, 14-Months 14-Month CD rates are at 3.00%. Brenham National Bank's savings rates are at 0.01%. Brenham National Bank's money market rates are at 0.01%. MonitorBankRates evaluates the financial stability of Brenham National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.69%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.69%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The Brenham National Bank

2211 S Day St
Brenham, TX 77833

https://www.bnbank.bank

Brenham National Bank CD Rates

Product	Rate	APY	Term
9 Month IRA Jumbo Certificate	3.48%	3.50%	9 Month Jumbo
Min Deposit $250,000 Details *** Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
9 Month Jumbo CD	3.48%	3.50%	9 Month Jumbo
Min Deposit $250,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Starter Savings - 12 mo	3.16%	3.20%	12 mo
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
9 Month CD	3.14%	3.15%	9 Months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
9 Month IRA Certificate	3.14%	3.15%	9 Months
Min Deposit $5,000 Details *** Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
14 Month CD	2.97%	3.00%	14 Months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
14 Month IRA Certificate	2.97%	3.00%	14 Months
Min Deposit $5,000 Details ** Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
21 Month CD	2.34%	2.36%	21 Months
Min Deposit $5,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
21 Month IRA Certificate	2.34%	2.36%	21 Months
Min Deposit $5,000 Details ** Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
12 - 17 Month CD	0.05%	0.05%	12-17 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
12 - 17 Month IRA Certificate	0.05%	0.05%	12-17 Months
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
18 - 23 Month CD	0.05%	0.05%	18-23 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
18 - 23 Month IRA Certificate	0.05%	0.05%	18-23 Month
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
180 - 364 Day CD	0.05%	0.05%	180 - 364 Days
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
180 - 364 Day IRA Certificate	0.05%	0.05%	180 - 364 Days
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
24 - 29 Month CD	0.05%	0.05%	24-29 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
24 - 29 Month IRA Certificate	0.05%	0.05%	24-29 Months
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
30 - 35 Month CD	0.05%	0.05%	30-35 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
30 - 35 Month IRA Certificate	0.05%	0.05%	30-35 Months
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
31 - 179 Day CD	0.05%	0.05%	31 - 179 Days
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
31 - 179 Day IRA Certificate	0.05%	0.05%	31 - 179 Days
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
36 - 47 Month CD	0.05%	0.05%	36-47 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
36 - 47 Month IRA Certificate	0.05%	0.05%	36-47 Months
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
48 - 59 Month CD	0.05%	0.05%	48-59 Months
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
48 - 59 Month IRA Certificate	0.05%	0.05%	48-59 Months
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
60 Month CD	0.05%	0.05%	60 months or more
Min Deposit $1,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
60 Month IRA Certificate	0.05%	0.05%	60 months or more
Min Deposit $50 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%

Brenham National Bank Savings Rates

Product	Rate	APY
Business Health Savings Account	0.01%	0.01%
Min Balance $100 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Success Savings Accounts	0.01%	0.01%
Min Balance $0 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Success Savings Accounts	0.01%	0.01%
Min Balance $0 Details Balance: No Minimum Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%

Brenham National Bank Money Market Rates

Product	Rate	APY
Business Classic Money Market	0.10%	0.10%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.10%	0.10%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Classic Money Market	0.08%	0.08%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.08%	0.08%
Min Balance $250,000 Details Balance: $250,000 to $499,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Classic Money Market	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Momentum Money Market	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Momentum Money Market	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Classic Money Market	0.04%	0.04%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Momentum Money Market	0.04%	0.04%
Min Balance $20,000 Details Balance: $20,000 to $99,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.04%	0.04%
Min Balance $75,000 Details Balance: $75,000 to $99,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Momentum Money Market	0.04%	0.04%
Min Balance $20,000 Details Balance: $20,000 to $99,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Momentum Money Market	0.03%	0.03%
Min Balance $5,000 Details Balance: $5,000 to $19,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Momentum Money Market	0.03%	0.03%
Min Balance $5,000 Details Balance: $5,000 to $19,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Classic Money Market	0.02%	0.02%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Momentum Money Market	0.02%	0.02%
Min Balance $1,000 Details Balance: $1,000 to $4,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.02%	0.02%
Min Balance $50,000 Details Balance: $50,000 to $74,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Momentum Money Market	0.02%	0.02%
Min Balance $1,000 Details Balance: $1,000 to $4,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Classic Money Market	0.01%	0.01%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Business Momentum Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 to $999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Classic Money Market	0.01%	0.01%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Momentum Money Market	0.01%	0.01%
Min Balance $0 Details Balance: $0 to $999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%

Brenham National Bank Checking Rates

Product	Rate	APY
Signature Interest Checking	1.00%	1.00%
Min Balance $0 Details Balance: $0 to $25,000 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Signature Interest Checking	0.05%	0.05%
Min Balance $25,001 Details Balance: $25,001 to ?? Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%

Brenham National Bank Other Rates

Product	Rate	Points	APY/APR
Signature Interest (If you do not qualify)	0.03%	-	0.03%
Min Balance $0 Details Balance: No minimum Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Ultimate 50+	0.01%	-	0.01%
Min Balance $5,000 Details Balance: $5,000 to $14,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Ultimate 50+	0.02%	-	0.02%
Min Balance $15,000 Details Balance: $15,000 to $24,999 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%
Ultimate 50+	0.03%	-	0.03%
Min Balance $25,000 Details Balance: $25,000+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.69%

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

Brenham National Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 8.69% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.0 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	$518M	8.69%	5.0	A
March 31, 2026	$506M	9.08%	5.0	A
December 31, 2025	$517M	9.12%	5.0	A
September 30, 2025	$489M	9.86%	5.0	A
June 30, 2025	$481M	10.44%	5.0	A
March 31, 2025	$484M	0.90%	5.0	A+
December 31, 2024	$494M	0.99%	5.0	A+
September 30, 2024	$500M	1.05%	5.0	A+
June 30, 2024	$477M	1.24%	5.0	A+
March 31, 2024	$479M	1.33%	5.0	A+
December 31, 2023	$477M	1.34%	5.0	A+
September 30, 2023	$471M	0.00%	4.0	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 Brenham National 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 Brenham National 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 Brenham National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Brenham National Bank

Bank Holding Company BRENHAM BANCSHARES INC

Address 2211 S Day St, Brenham, TX 77833 · Washington

Website https://www.bnbank.bank

FDIC Certificate # 3113

Established 19330422

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

8.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4116%

Return on Equity (ROE) 14.8100%

Non-Performing Loans (NPL) 0.84%

Total Assets $517,689,000

Total Deposits $464,456,000

Equity Capital $50,078,000

Net Income $3,623,000

Headquarters Brenham

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Brenham National 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.

<a href="https://monitorbankrates.com/banks/the-brenham-national-bank-rates-review-3113">
  <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

There are no reviews for Brenham National Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Brenham National Bank

Frequently Asked Questions About Brenham National Bank

How many branches does Brenham National Bank operate?

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

Does Brenham National Bank offer online and mobile banking?

Most modern institutions like Brenham National 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.bnbank.bank.