What are the current interest rates at FNB of Ely?

Current rates for FNB of Ely include: Savings: 0.50%, MMA: 1.81%

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FNB of Ely

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FNB of Ely Rates & Review October 2026

Q: How many branches does FNB of Ely operate?

FNB of Ely currently maintains approximately 1 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, FNB of Ely 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, FNB of Ely 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: October 11, 2026

FNB of Ely's top rates as of October 11, 2026 are 0.50% APY on savings, and 1.81% APY on money market accounts, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of FNB of Ely with a 3.9 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

3.9

Very Good Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Ely

595 Aultman St
Ely, NV 89301

https://www.fnbely.com

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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 Ely Savings Rates

Product	Rate	APY
Holiday Savings Account	0.50%	0.50%
Min Deposit $25 Details Monthly auto charge from an FNB account to holiday account is required. A holiday check or direct deposit to an FNB account are issued on the first business day of November. If you close your account prior to interest being paid, accrued interest will not be paid. Interest is accrued daily on the entire ledger balance in the account and is paid annually on the last business day of October. The interest rate is subject to change at any time after having been posted for 45 days in the lobby of the Bank. Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.50% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%
Savings Accounts	0.40%	0.40%
Min Deposit $50 Details Interest is paid semi-annually on the last business day of April and October. The interest rate is determined by, and can be changed by, the Board of Directors. When there is a change in the interest rate, the rate is posted in the lobby of the bank for 45 days before the change takes effect. Interest is calculated on the daily balance of the account every day. We do not mail a savings statement to our customers - the accounts are pass book only. There is an early closing penalty of $20.00 if the account is closed within 90 days of opening. We may charge a $1.00 fee for every withdrawal in excess of 6 in a six month period. Accrued interest is paid less a $10.00 penalty if the account is closed in between interest payment dates. You may not exceed six (6) ACH or electronic preauthorized transfers per calendar month. If you exceed these regulated transaction limits you may be assessed an excessive transaction fee for each excess transaction during a calendar month and the account must be closed and/or converted to a checking account. Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.40% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%

FNB of Ely Money Market Rates

Product	Rate	APY
Money Market Accounts	1.80%	1.81%
Min Balance $500,000 Details Balance: $500,000.00 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.81% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	1.70%	1.71%
Min Balance $100,000 Details Balance: $100,000.00 - $499,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.71% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.21% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	1.10%	1.11%
Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.11% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%
Money Market Accounts	1.00%	1.00%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.00% APY · checked 8 times Institution Ratings 3.9 Star Rating B+ Health Grade ◈ Texas Ratio: 0.00%

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

FNB of Ely’s Texas Ratio fell from 98.65% in Q3 2023 to 0.00% 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 1.0 to 3.9 and its Health Grade from F to B+. 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	$133M	0.00%	3.9	B+
March 31, 2026	$133M	0.00%	4.1	A-
December 31, 2025	$127M	0.00%	4.3	A
September 30, 2025	$122M	0.44%	4.5	A
June 30, 2025	$120M	0.00%	2.0	C-
March 31, 2025	$121M	0.00%	3.0	C+
December 31, 2024	$121M	0.00%	2.2	C-
September 30, 2024	$119M	0.00%	4.0	B+
June 30, 2024	$118M	0.00%	1.6	D
March 31, 2024	$119M	17.32%	1.0	F
December 31, 2023	$118M	16.80%	1.2	F
September 30, 2023	$120M	98.65%	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 FNB of Ely 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 Ely 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 Ely's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Ely

Bank Holding Company FNBELY BCORP

Address 595 Aultman St, Ely, NV 89301 · White Pine

Website https://www.fnbely.com

FDIC Certificate # 2273

Established 19070223

FDIC Insurance Date 19340101

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

3.9

Very Good Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3843%

Return on Equity (ROE) 22.7800%

Non-Performing Loans (NPL) 0.00%

Total Assets $132,946,000

Total Deposits $119,300,000

Equity Capital $7,793,000

Net Income $905,000

Headquarters Ely

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

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Frequently Asked Questions About FNB of Ely

How many branches does FNB of Ely operate?

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

Does FNB of Ely offer online and mobile banking?

Most modern institutions like FNB of Ely 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.fnbely.com.