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FNB of Dennison Rates & Review November 2026

FNB of Dennison's 6-Month CD rates are at 2.17%, 12-Month CD rates are at 2.07%, 18-Month CD rates are at 1.97%, 24-Month CD rates are at 1.92%, 48-Month CD rates are at 1.92%. FNB of Dennison's top CD rate of 4.33% APY on a 5 month CD is 68% higher than the MonitorBankRates national average of 2.58% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of FNB of Dennison with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.82%. Rates last updated and verified on 11/05/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.82%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
FNB of Dennison
105 Grant St
Dennison, OH 44621
https://www.fnbdennison.com
MemberFDIC
Customer Reviews
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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

FNB of Dennison CD Rates

Product Rate APY Term Min. Deposit View More
5-Month CD Special 4.25% 4.33% 5 months $5,000
Min Deposit $5,000
Details Cap at $2 Million
Last Updated 11/05/2026
Rate History
1 change since Sep 7, 2026 · 4.21% → 4.33% ▲ 0.12 pts · high 4.33% / low 4.21%
3.71%4.27%4.83%Sep 7, 2026: 4.21% APYSep 19, 2026: 4.33% APYSep 7, 2026Nov 9, 2026
  • Sep 19, 20264.33%▲ from 4.21%
  • Sep 7, 20264.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
5-month Kid's special 4.25% 4.33% 5 months $250
Min Deposit $250
Details Cap at $2 Million
Last Updated 11/05/2026
Rate History
1 change since Sep 7, 2026 · 4.21% → 4.33% ▲ 0.12 pts · high 4.33% / low 4.21%
3.71%4.27%4.83%Sep 7, 2026: 4.21% APYSep 19, 2026: 4.33% APYSep 7, 2026Nov 9, 2026
  • Sep 19, 20264.33%▲ from 4.21%
  • Sep 7, 20264.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
12-Month CD Special 3.65% 3.71% 12 months $5,000
Min Deposit $5,000
Last Updated 11/05/2026
Rate History
1 change since Sep 7, 2026 · 3.56% → 3.71% ▲ 0.15 pts · high 3.71% / low 3.56%
3.06%3.64%4.21%Sep 7, 2026: 3.56% APYSep 19, 2026: 3.71% APYSep 7, 2026Nov 9, 2026
  • Sep 19, 20263.71%▲ from 3.56%
  • Sep 7, 20263.56%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 12-month fixed 3.25% 3.30% 12 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 3.25/3.30
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 7, 2026: 3.30% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 18-month fixed 3.00% 3.04% 18 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 3.00/3.04
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 7, 2026: 3.04% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 24-month fixed 2.75% 2.78% 24 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 2.75/2.78
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 7, 2026: 2.78% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 30-month fixed 2.50% 2.53% 30 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 2.50/2.53
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 7, 2026: 2.53% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 48-month fixed 2.25% 2.27% 48 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 2.25/2.27
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 7, 2026: 2.27% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
6-month CD 2.15% 2.17% 6 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.17% APY · checked 14 times
1.67%2.17%2.67%Sep 7, 2026: 2.17% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
12-month CD 2.05% 2.07% 12 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.07% APY · checked 14 times
1.57%2.07%2.57%Sep 7, 2026: 2.07% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
IRA 60-month fixed 2.00% 2.02% 60 months $100
Min Deposit $100
Details IRA certificate; Rates/APY as printed 2.00/2.02
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 2.02% APY · checked 5 times
1.52%2.02%2.52%Sep 7, 2026: 2.02% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
18-month CD 1.95% 1.97% 18 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 1.97% APY · checked 14 times
1.47%1.97%2.47%Sep 7, 2026: 1.97% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
24-month CD 1.90% 1.92% 24 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 1.92% APY · checked 14 times
1.42%1.92%2.42%Sep 7, 2026: 1.92% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
48-month CD 1.90% 1.92% 48 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 1.92% APY · checked 14 times
1.42%1.92%2.42%Sep 7, 2026: 1.92% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%
60-month CD 1.65% 1.66% 60 months $1,000
Min Deposit $1,000
Last Updated 11/05/2026
Rate History
No change since Sep 7, 2026 · 1.66% APY · checked 14 times
1.16%1.66%2.16%Sep 7, 2026: 1.66% APYSep 7, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.82%

Financial Health History

FNB of Dennison’s Texas Ratio rose from 1.04% in Q3 2023 to 1.82% 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 2.7 to 5.0 and its Health Grade from C 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.

0% 1.0★ 1.2% 2.0★ 2.4% 3.0★ 3.6% 4.0★ 4.8% 5.0★ Healthy zone – entire history below the 15% limit 1.04% C Q3 2023 B+ Q4 2023 B+ Q1 2024 A- Q2 2024 A+ Q3 2024 B+ Q4 2024 A Q1 2025 B+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.82% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$267M1.82%5.0A+
March 31, 2026$272M0.89%4.9A+
December 31, 2025$273M1.74%5.0A+
September 30, 2025$274M2.40%4.9A+
June 30, 2025$271M3.58%4.2B+
March 31, 2025$268M2.57%4.5A
December 31, 2024$271M3.16%4.2B+
September 30, 2024$285M2.66%4.9A+
June 30, 2024$277M0.95%4.1A-
March 31, 2024$276M1.42%4.0B+
December 31, 2023$283M1.60%3.8B+
September 30, 2023$278M1.04%2.7C
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 FNB of Dennison 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 Dennison 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 Dennison's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Dennison
Address 105 Grant St, Dennison, OH 44621  ·  Tuscarawas
Bank Holding Company FNB INC
FDIC Certificate # 6574
Regulator OCC
Established October 16, 1933
FDIC Insurance Date January 1, 1934
Domestic Offices 5
Total Branches 5
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.82%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6141%
Return on Equity (ROE)
8.7300%
Non-Performing Loans Ratio (NPL)
0.13%
Total Assets
$267,384,000
Total Deposits
$247,537,000
Equity Capital
$19,185,000
Net Income
$831,000
Headquarters
Dennison
Total Branches and Offices
5
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

FNB of Dennison 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/the-first-national-bank-of-dennison-rates-review-6574">
  <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.

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Frequently Asked Questions About FNB of Dennison

Does FNB of Dennison offer CDs?

Yes. FNB of Dennison current CD rates include its 6-Month CD at 2.17% APY, its 12-Month CD at 2.07% APY and its 18-Month CD at 1.97% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from FNB of Dennison FDIC insured?

Yes. FNB of Dennison is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at FNB of Dennison?

The highest FNB of Dennison CD rate is its 5-Month Certificate Special at 4.33% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does FNB of Dennison offer?

FNB of Dennison CD rates are 2.17% APY for a 6 month CD, 2.07% APY for a 12 month CD, 1.97% APY for an 18 month CD, 1.92% APY for a 2 year CD, 1.92% APY for a 4 year CD and 1.66% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Dennison for its full lineup.

How many branches does FNB of Dennison operate?

FNB of Dennison 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, FNB of Dennison 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 Dennison provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Dennison offer online and mobile banking?

Most modern institutions like FNB of Dennison 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.fnbdennison.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do FNB of Dennison rates compare?

FNB of Dennison's top CD rate of 4.33% APY on a 5 month CD is 68% higher than the MonitorBankRates national average of 2.58% APY for that term, and it has an A+ health rating. FNB of Dennison's top rate is its 5-Months 5-Month Certificate Special at 4.33% APY, verified by MonitorBankRates on November 5, 2026.

Current FNB of Dennison Rates

  • 12-Month CD2.07%
  • 18-Month CD1.97%
  • 24-Month CD1.92%
  • 48-Month CD1.92%
  • 60-Month CD1.66%
Retrieved from our database of financial products. Rates subject to change.