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FNB of Brownstown Rates & Review April 2026

FNB of Brownstown's 7-Months SPECIAL 7-Month Certificate of Deposit rates are at 3.85%, 9-Months 9-Month Certificate of Deposit rates are at 3.00%, 11-Months SPECIAL 11-Month Certificate of Deposit rates are at 2.50%, 15-Months SPECIAL 15-Month Certificate of Deposit rates are at 2.25%, 36-Months 36-Month Certificate of Deposit rates are at 2.05%. FNB of Brownstown's savings rates are at 0.25%. FNB of Brownstown's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of FNB of Brownstown with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.14%. Rates were last updated on 04/11/2026.

FNB of Brownstown 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 FNB of Brownstown? Share your experience about FNB of Brownstown by leaving a review below, or read customer reviews before you decide to use FNB of Brownstown.

Overall Health & Safety Grade ?
A
Excellent Health Score: 96/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
7.14%
Excellent Higher than avg
FNB of Brownstown
108 E Main St
Brownstown, IL 62418
https://www.fnbbrownstown.com
Member FDIC

FNB of Brownstown CD Rates

Product Rate APY Term View More
SPECIAL 7 Month Certificate of Deposit 3.78% 3.85% 7 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
9 Month Certificate of Deposit 2.96% 3.00% 9 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
SPECIAL 11 Month Certificate of Deposit 2.47% 2.50% 11 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
SPECIAL 15 Month Certificate of Deposit 2.24% 2.25% 15 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
36 Month Certificate of Deposit 2.04% 2.05% 36 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
60 Month Certificate of Deposit 1.75% 1.76% 60 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
30 Month Certificate of Deposit 1.15% 1.50% 30 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
48 Month Certificate of Deposit 1.35% 1.35% 48 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
12 Month Certificate of Deposit 1.15% 1.15% 12 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
24 Month Certificate of Deposit 1.15% 1.15% 24 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
18 Month Certificate of Deposit 0.95% 0.95% 18 Months
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%

FNB of Brownstown Savings Rates

Product Rate APY View More
Christmas Club Account 0.75% 0.75%
Min Deposit $1
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
Vacation Club Account 0.75% 0.75%
Min Deposit $1
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
Savings Account 0.25% 0.25%
Min Deposit $25
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%

FNB of Brownstown Money Market Rates

Product Rate APY View More
Money Market Account Tier 4 0.75% 0.75%
Min Balance $200,000
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
Money Market Account Tier 3 0.50% 0.50%
Min Balance $25,000
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
Money Market Account Tier 2 0.15% 0.15%
Min Balance $10,000
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%
Money Market Account Tier 1 0.10% 0.10%
Min Balance $1,500
Details This is a variable rate account; the rate & APY may change after the account is opened.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 7.14%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for FNB of Brownstown 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 FNB of Brownstown 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 FNB of Brownstown's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Brownstown
Bank Holding Company FIRST BROWNSTOWN BCORP INC
Address 108 E Main St, Brownstown, IL 62418  ·  Fayette
FDIC Certificate # 3770
Established 06/01/1913
FDIC Insurance Date 01/01/1934
Domestic Offices 1
Total Branches 1
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 96/100
5.0
Exceptional Out of 5.0 Stars
7.14%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.0676%
Return on Equity (ROE) 13.7700%
Non-Performing Loans (NPL) 0.49%
Total Assets $57,508,000
Total Deposits $51,146,000
Equity Capital $5,889,000
Net Income $537,000
Headquarters Brownstown
Total Offices 1
Source: FDIC  |  Last Updated 12/31/2025

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Frequently Asked Questions About FNB of Brownstown

Is FNB of Brownstown a safe place to deposit money?

Yes, FNB of Brownstown is considered a safe financial institution. With a Texas Ratio of 7.1446862996159%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does FNB of Brownstown operate?

FNB of Brownstown currently maintains approximately 1 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, FNB of Brownstown 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, FNB of Brownstown provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Brownstown offer online and mobile banking?

Most modern institutions like FNB of Brownstown 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.fnbbrownstown.com.

Current FNB of Brownstown Rates

  • 12-Month CD1.15%
  • 18-Month CD0.95%
  • 24-Month CD1.15%
  • 36-Month CD2.05%
  • 48-Month CD1.35%
  • 60-Month CD1.76%
  • Savings0.25%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.