What are the current interest rates at FSB Mcpherson, KS?

Current rates for FSB Mcpherson, KS include: 12-Month CD: 2.02%, 24-Month CD: 2.02%, 36-Month CD: 2.02%, 48-Month CD: 2.02%, Savings: 0.30%, MMA: 0.15%

MonitorBankRates

☰

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

Home›
Banks›
FSB Mcpherson, KS

iAdvertiser Disclosure

FSB Mcpherson, KS Rates & Review September 2026

Q: How many branches does FSB Mcpherson, KS operate?

FSB Mcpherson, KS 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, FSB Mcpherson, KS 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, FSB Mcpherson, KS 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 14, 2026

FSB Mcpherson, KS's 9-Month CD SPECIAL rates are at 3.75%, 15-Month CD SPECIAL rates are at 3.29%, 27-Month CD SPECIAL rates are at 2.78%, 9-Month CD SPECIAL rates are at 2.73%, 15-Month CD SPECIAL rates are at 2.27%. FSB Mcpherson, KS's savings rates are at 0.30%. FSB Mcpherson, KS's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of FSB Mcpherson, KS with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.04%. Rates last updated and verified on 09/14/2026.

FSB Mcpherson, KS 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 FSB Mcpherson, KS? Share your experience about FSB Mcpherson, KS by leaving a review below, or read customer reviews before you decide to use FSB Mcpherson, KS.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

0.04%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FSB Mcpherson, KS

2074 E Kansas Ave
Mcpherson, KS 67460

https://www.fsb-online.com

FSB Mcpherson, KS CD Rates

Product	Rate	APY	Term
9 month CD SPECIAL	3.70%	3.75%	9 month
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
15 month CD SPECIAL	3.25%	3.29%	15 month
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
27 month CD SPECIAL	2.75%	2.78%	27 month
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
9 month CD SPECIAL	2.70%	2.73%	9 month
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
15 month CD SPECIAL	2.25%	2.27%	15 month
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
12 month CD	2.00%	2.02%	12 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
24 month CD	2.00%	2.02%	24 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
32 Month Certificate Special	2.00%	2.02%	32 month
Min Deposit $5,000 Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
36 month CD	2.00%	2.02%	36 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
48 month CD	2.00%	2.02%	48 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
27 month CD SPECIAL	1.75%	1.76%	27 month
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
6 month CD	1.75%	1.76%	6 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
3 month CD	1.50%	1.51%	3 month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
32 Month Certificate Special	1.50%	1.51%	32 month
Min Deposit $5,000 Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

FSB Mcpherson, KS Savings Rates

Product	Rate	APY
Super Savings	3.60%	3.66%
Min Deposit $50 Min Balance $1 Details Qualifications Required: 18 POS transactions; If POS transaction requirements met: APY is 3.66% for daily balances up to $250,000. The APY ranges from 0.30% to 3.66%, depending on the account balance, for daily balances over $250,000. The 0.30% interest rate will be paid only for the portion of your daily balance that is greater than $250,000. Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Regular Savings	0.30%	0.30%
Min Deposit $50 Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Super Savings	0.30%	0.30%
Min Deposit $50 Min Balance $250,001 Details If less than 18 *POS transactions post to your Elite Checking account during the monthly statement cycle: The APY is 0.30% for the entire account balance for the statement cycle. Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

FSB Mcpherson, KS Money Market Rates

Product	Rate	APY
Pinnacle Money Market	0.85%	0.85%
Min Deposit $5,000 Min Balance $250,000 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Pinnacle Money Market	0.65%	0.65%
Min Deposit $5,000 Min Balance $75,000 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Pinnacle Money Market	0.45%	0.45%
Min Deposit $5,000 Min Balance $50,000 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Platinum Money Market	0.35%	0.35%
Min Deposit $1,000 Min Balance $50,000 Details Maintain an average daily balance for the monthly statement cycle of $1,000 to avoid $9 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Pinnacle Money Market	0.30%	0.30%
Min Deposit $5,000 Min Balance $25,000 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Pinnacle Money Market	0.25%	0.25%
Min Deposit $5,000 Min Balance $5,000 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Platinum Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Maintain an average daily balance for the monthly statement cycle of $1,000 to avoid $9 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Pinnacle Money Market	0.20%	0.20%
Min Deposit $5,000 Min Balance $0 Details Maintain an average daily balance for the monthly statement cycle of $5,000 to avoid $20 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Platinum Money Market	0.20%	0.20%
Min Deposit $1,000 Min Balance $10,000 Details Maintain an average daily balance for the monthly statement cycle of $1,000 to avoid $9 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Platinum Money Market	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Maintain an average daily balance for the monthly statement cycle of $1,000 to avoid $9 monthly maintenance fee. * Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

FSB Mcpherson, KS Checking Rates

Product	Rate	APY
Elite Checking	0.75%	0.75%
Min Deposit $100 Min Balance $1 Details APY is 0.75% for daily balances up to $25,000. For daily balances over $25,000, the APY ranges from 0.15% to 0.75% Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%
Elite Checking	0.15%	0.15%
Min Deposit $100 Min Balance $25,001 Details APY is 0.75% for daily balances up to $25,000. For daily balances over $25,000, the APY ranges from 0.15% to 0.75% Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

FSB Mcpherson, KS Other Rates

Product	Rate	Points	APY/APR	Term	View More
Presidents Plus Now	0.15%	-	0.15%
Min Deposit $200 Min Balance $1,000 Details 50 or older Last Updated 09/14/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 0.04%

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.
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

FSB Mcpherson, KS’s Texas Ratio fell from 10.04% in Q3 2023 to 0.04% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 1.6 to 4.9 and its Health Grade from D 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	$180M	0.04%	4.9	A+
March 31, 2026	$175M	0.32%	5.0	A+
December 31, 2025	$170M	0.05%	5.0	A+
September 30, 2025	$164M	0.32%	5.0	A+
June 30, 2025	$160M	0.58%	3.9	B+
March 31, 2025	$162M	1.49%	3.8	B+
December 31, 2024	$157M	2.79%	3.5	B
September 30, 2024	$162M	1.68%	4.4	A
June 30, 2024	$161M	2.77%	3.1	C+
March 31, 2024	$161M	2.81%	3.1	C+
December 31, 2023	$158M	4.48%	3.4	B-
September 30, 2023	$149M	10.04%	1.6	D

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 FSB Mcpherson, KS 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 FSB Mcpherson, KS 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 FSB Mcpherson, KS's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FSB Mcpherson, KS

Bank Holding Company GALVA BANCSHARES INC

Address 2074 E Kansas Ave, Mcpherson, KS 67460 · Mcpherson

Website https://www.fsb-online.com

FDIC Certificate # 13883

Established 19091009

FDIC Insurance Date 19340212

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

4.9

Exceptional Out of 5.0 Stars

0.04%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.4243%

Return on Equity (ROE) 20.0000%

Non-Performing Loans (NPL) 0.00%

Total Assets $180,482,000

Total Deposits $158,133,000

Equity Capital $12,512,000

Net Income $1,246,000

Headquarters Mcpherson

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

FSB Mcpherson, KS 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-farmers-state-bank-mcpherson-ks-rates-review-13883">
  <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 FSB Mcpherson, KS 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 FSB Mcpherson, KS

Frequently Asked Questions About FSB Mcpherson, KS

How many branches does FSB Mcpherson, KS operate?

FSB Mcpherson, KS 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, FSB Mcpherson, KS 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, FSB Mcpherson, KS provides members with tools to manage their accounts and build a solid financial history.

Does FSB Mcpherson, KS offer online and mobile banking?

Most modern institutions like FSB Mcpherson, KS 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.fsb-online.com.