What are the current interest rates at First National Bank in Trinidad?

Current rates for First National Bank in Trinidad include: 12-Month CD: 0.50%, 18-Month CD: 0.60%, 24-Month CD: 0.70%, Savings: 0.25%, MMA: 0.10%

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First National Bank in Trinidad

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First National Bank in Trinidad Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First National Bank in Trinidad 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

First National Bank in Trinidad's 24-Month CD rates are at 0.70%, 24-Month Jumbo CD rates are at 0.70%, 18-Month CD rates are at 0.60%, 18-Month Jumbo CD rates are at 0.60%, IRA 18-Month CD rates are at 0.60%. First National Bank in Trinidad's savings rates are at 0.25%. First National Bank in Trinidad's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of First National Bank in Trinidad with a 4.4 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 8.33%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 90/100

MonitorBankRates Rating

4.4

Excellent Out of 5.0 Stars

Texas Ratio

8.33%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

The First National Bank in Trinidad

100 E Main St
Trinidad, CO 81082

https://www.fnbtrinidad.com/

First National Bank in Trinidad CD Rates

Product	Rate	APY	Term
24 Month CD	0.70%	0.70%	24 Month
Min Deposit $1,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
24 Month Jumbo CD	0.70%	0.70%	24 Month
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
18 Month CD	0.60%	0.60%	18 Month
Min Deposit $1,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
18 Month Jumbo CD	0.60%	0.60%	18 Month
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
IRA 18 Month CD	0.60%	0.60%	18 Month CD
Min Deposit $5,000 Details Fixed Rate; On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Jumbo IRA 18 Month CD	0.60%	0.60%	18 Month CD
Min Deposit $100,000 Details Fixed Rate; On Deposits $100,000 and Over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
12 Month CD	0.50%	0.50%	12 Month
Min Deposit $1,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
12 Month Jumbo CD	0.50%	0.50%	12 Month
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
182 Day CD	0.40%	0.40%	182 Day
Min Deposit $5,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
182 Day Jumbo CD	0.40%	0.40%	182 Day
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
IRA 182 Day CD	0.40%	0.40%	182 Day CD
Min Deposit $100 Details Variable Rate; On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Jumbo IRA 182 Day CD	0.40%	0.40%	182 Day CD
Min Deposit $100,000 Details Variable Rate; On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
31 Day CD	0.20%	0.20%	31 Day
Min Deposit $5,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
31 Day Jumbo CD	0.20%	0.20%	31 Day
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
91 Day CD	0.20%	0.20%	91 Day
Min Deposit $5,000 Details On Deposits up to $100,000 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
91 Day Jumbo CD	0.20%	0.20%	91 Day
Min Deposit $100,000 Details On Deposits $100,000 and over Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%

First National Bank in Trinidad Savings Rates

Product	Rate	APY	View More
Savings Account	0.25%	0.25%
Min Deposit $10 Details Annual Percentage Yield. No minimum balance to obtain APY. Rate may change after account opening. Fees could reduce earnings on this account. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%

First National Bank in Trinidad Money Market Rates

Product	Rate	APY
Money Market Deposit Account	1.75%	1.76%
Min Deposit $10 Min Balance $250,000 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	1.50%	1.51%
Min Deposit $10 Min Balance $100,000 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	1.00%	1.00%
Min Deposit $10 Min Balance $50,000 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	-	0.35%
Min Deposit $10 Min Balance $25,000 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	-	0.25%
Min Deposit $10 Min Balance $10,000 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	-	0.15%
Min Deposit $10 Min Balance $2,500 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Money Market Deposit Account	-	0.10%
Min Deposit $10 Min Balance $0 Details Fees could reduce the earnings on this account. Rates subject to change. Rates effective 9/1/2026 Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%

First National Bank in Trinidad Other Rates

Product	Rate	Points	APY/APR
Business Now Account	0.10%	-	0.10%
Min Deposit $1,500 Min Balance $500 Details Minimum daily balance to obtain APY each statement cycle $500. A debit transaction fee of $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if an average daily balance of $1,500.00 is not maintained during the statement cycle. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Business Super Now Account	0.10%	-	0.10%
Min Deposit $2,500 Min Balance $2,500 Details Any day the balance in your account is $2,500.00 or more, the Super Now interest rate will apply. Any day the balance in your account is between $500.00 and $2,499.99, the interest rate for that day will be the Now Account rate. A debit transaction fee of $0.25 will be charged for each debit transaction (withdrawal, check paid, automatic transfer or payment out of this account). This fee will apply if an average daily balance of $1,500.00 is not maintained during the statement cycle. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Now Account	0.10%	-	0.10%
Min Deposit $1,500 Min Balance $500 Details Minimum average balance to avoid imposition of fees - A maintenance fee of $5.00 will be imposed each statement cycle if the average daily balance for the statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%
Super Now Account	0.10%	-	0.10%
Min Deposit $2,500 Min Balance $500 Details Any day the balance in your account is $2,500.00 or more, the Super Now interest rate will apply. Any day the balance in your account is between $500.00 and $2,499.99, the interest rate for that day will be the Now Account rate. Minimum average balance to avoid imposition of fees - A maintenance fee of $10.00 will be imposed each statement cycle if the average daily balance for the monthly statement cycle falls below $1,500.00. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. Last Updated 09/19/2026 Institution Ratings 4.4 Star Rating A- Health Grade ◈ Texas Ratio: 8.33%

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

First National Bank in Trinidad’s Texas Ratio fell from 17.17% in Q3 2023 to 8.33% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 1.0 to 4.4 and its Health Grade from F 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	$251M	8.33%	4.4	A-
March 31, 2026	$256M	8.56%	3.9	B
December 31, 2025	$259M	7.07%	4.1	B+
September 30, 2025	$258M	9.57%	3.4	C+
June 30, 2025	$265M	16.94%	1.7	F
March 31, 2025	$256M	6.50%	2.5	C-
December 31, 2024	$255M	7.62%	2.2	D
September 30, 2024	$256M	8.96%	3.4	C+
June 30, 2024	$253M	8.02%	2.3	D
March 31, 2024	$263M	7.12%	1.8	D
December 31, 2023	$294M	8.43%	1.8	D
September 30, 2023	$276M	17.17%	1.0	F

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 First National Bank in Trinidad 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 First National Bank in Trinidad 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 First National Bank in Trinidad's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First National Bank in Trinidad

Bank Holding Company REPUBLIC TRINIDAD CORP

Address 100 E Main St, Trinidad, CO 81082 · Las Animas

Website https://www.fnbtrinidad.com/

FDIC Certificate # 14584

Established 18750416

FDIC Insurance Date 19340713

Domestic Offices 5

Total Branches 5

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 90/100

4.4

Excellent Out of 5.0 Stars

8.33%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.5244%

Return on Equity (ROE) 8.5600%

Non-Performing Loans (NPL) 0.54%

Total Assets $250,518,000

Total Deposits $234,300,000

Equity Capital $16,121,000

Net Income $669,000

Headquarters Trinidad

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About First National Bank in Trinidad

How many branches does First National Bank in Trinidad operate?

First National Bank in Trinidad currently maintains approximately 5 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, First National Bank in Trinidad 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, First National Bank in Trinidad provides members with tools to manage their accounts and build a solid financial history.

Does First National Bank in Trinidad offer online and mobile banking?

Most modern institutions like First National Bank in Trinidad 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.fnbtrinidad.com/.