What are the current interest rates at FNB of Hope?

Current rates for FNB of Hope include: 12-Month CD: 1.20%, 18-Month CD: 1.20%, 24-Month CD: 1.40%, 36-Month CD: 1.46%, 48-Month CD: 1.51%, 60-Month CD: 1.56%, Savings: 0.20%

MonitorBankRates

☰

Home›
Banks›
FNB of Hope

iAdvertiser Disclosure

FNB of Hope Rates & Review November 2026

Q: What CD terms does FNB of Hope offer?

FNB of Hope CD rates are 3.78% APY for a 7 month CD, 4.01% APY for an 11 month CD, 1.20% APY for a 12 month CD, 1.20% APY for an 18 month CD, 1.40% APY for a 2 year CD, 1.76% APY for a 3 year CD, 1.81% APY for a 4 year CD and 1.86% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Hope for its full lineup.

Q: How many branches does FNB of Hope operate?

FNB of Hope currently maintains approximately 3 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 Hope 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 Hope 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: November 7, 2026

FNB of Hope's 11-Month CD rates are at 4.01%, 7-Month CD rates are at 3.78%, 60-Month CD - Preferred Customer rates are at 1.86%, 48-Month CD - Preferred Customer rates are at 1.81%, 36-Month CD - Preferred Customer rates are at 1.76%. FNB of Hope's savings rates are at 0.20%. FNB of Hope's checking rates are as high as 0.35%. FNB of Hope's top CD rate of 4.07% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of FNB of Hope with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.59%. Rates last updated and verified on 11/07/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.59%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Hope

112 N Main St
Hope, KS 67451

https://www.fnbks.com

Customer Reviews

Be the first to review

Write a Review

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 Hope CD Rates

Product	Rate	APY	Term	Min. Deposit
IRA CD - 12-Month Variable	3.99%	4.07%	12-Month	$500
Min Deposit $500 Details Variable rate based on the 91 Day Treasury Bill; can adjust monthly Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 4.11% → 4.07% ▼ 0.04 pts · high 4.11% / low 4.07% Nov 7, 20264.07%▼ from 4.11% Oct 14, 20264.11%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
11-Month CD	4.00%	4.01%	11 Month	$10,000
Min Deposit $10,000 Details Compounding: At Maturity; Renewal: Regular 12 Month CD Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 4.01% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
7-Month CD	3.75%	3.78%	7 Month	$10,000
Min Deposit $10,000 Details Compounding: At Maturity; Renewal: Regular 182 Day CD Last Updated 11/07/2026 Rate History 1 change since Sep 16, 2026 · 3.63% → 3.78% ▲ 0.15 pts · high 3.78% / low 3.63% Sep 24, 20263.78%▲ from 3.63% Sep 16, 20263.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
IRA CD - 36-Month Fixed Rate	3.50%	3.56%	36-Month	$500
Min Deposit $500 Details Fixed rate Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
IRA CD - 60-Month Fixed Rate	2.50%	2.53%	60-Month	$5,000
Min Deposit $5,000 Details Fixed rate Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 2.53% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60-Month CD - Preferred Customer	1.85%	1.86%	60-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.86% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48-Month CD - Preferred Customer	1.80%	1.81%	48-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.81% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36-Month CD - Preferred Customer	1.75%	1.76%	36-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60-Month CD	1.75%	1.76%	60-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 60-Month CD - Preferred Customer	1.75%	1.76%	60 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24-Month CD - Preferred Customer	1.70%	1.71%	24-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30-Month CD - Preferred Customer	1.70%	1.71%	30-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.71% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48-Month CD	1.70%	1.71%	48-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 48-Month CD - Preferred Customer	1.70%	1.71%	48 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.71% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36-Month CD	1.65%	1.66%	36-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 36-Month CD - Preferred Customer	1.65%	1.66%	36 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 60-Month CD - Preferred Customer	1.65%	1.66%	60 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.66% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 60-Month CD	1.65%	1.66%	60 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.66% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24-Month CD	1.60%	1.61%	24-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30-Month CD	1.60%	1.61%	30-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 24-Month CD - Preferred Customer	1.60%	1.61%	24 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 30-Month CD - Preferred Customer	1.60%	1.61%	30 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 48-Month CD - Preferred Customer	1.60%	1.61%	48 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.61% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 48-Month CD	1.60%	1.61%	48 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.61% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 36-Month CD - Preferred Customer	1.55%	1.56%	36 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 36-Month CD	1.55%	1.56%	36 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 60-Month CD	1.55%	1.56%	60 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 24-Month CD - Preferred Customer	1.50%	1.51%	24 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 24-Month CD	1.50%	1.51%	24 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 30-Month CD - Preferred Customer	1.50%	1.51%	30 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 30-Month CD	1.50%	1.51%	30 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 48-Month CD	1.50%	1.51%	48 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD - Preferred Customer	1.45%	1.46%	12-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD - Preferred Customer	1.45%	1.46%	18-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 30-Day Jumbo	1.45%	1.46%	30 days	-
Details Early withdrawal: less than or equal to 1 year = 60 days interest on the amount withdrawn Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.46% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 36-Month CD	1.45%	1.46%	36 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.46% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 12-Month CD - Preferred Customer	1.40%	1.40%	12 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 18-Month CD - Preferred Customer	1.40%	1.40%	18 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 24-Month CD	1.40%	1.40%	24 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 30-Month CD	1.40%	1.40%	30 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD	1.35%	1.35%	12-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD	1.35%	1.35%	18-Month	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 12-Month CD - Preferred Customer	1.30%	1.30%	12 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 12-Month CD	1.30%	1.30%	12 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 18-Month CD - Preferred Customer	1.30%	1.30%	18 months	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 18-Month CD	1.30%	1.30%	18 months	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 12-Month CD	1.20%	1.20%	12 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 18-Month CD	1.20%	1.20%	18 months	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD - Preferred Customer	1.15%	1.15%	182-Day	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 182-Day CD - Preferred Customer	1.10%	1.10%	182 days	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD	1.05%	1.05%	182-Day	-
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 182 Day CD - Preferred Customer	1.00%	1.00%	182 days	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 182-Day CD	1.00%	1.00%	182 days	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly) - Preferred Customer	0.95%	0.95%	91 Day	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; compounds quarterly; Preferred Customer rate: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 182 Day CD	0.90%	0.90%	182 days	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 91 Day CD (compounds quarterly) - Preferred Customer	0.90%	0.90%	91 days	-
Min Balance $10,000 Details Balance: $10,000.00 minimum; Preferred Customer: requires Regular/Business checking or Free checking with at least one electronic deposit per month Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly)	0.85%	0.85%	91 Day	-
Min Balance $50,000 Details Balance: $50,000.00 minimum; compounds quarterly Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 91 Day CD (compounds quarterly) - Preferred Customer	0.85%	0.85%	91 days	-
Min Balance $500 Details Preferred Customer Rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 91 Day CD (compounds quarterly)	0.80%	0.80%	91 days	-
Min Balance $10,000 Details Balance: $10,000.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 22, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
CD - 91 Day CD (compounds quarterly)	0.75%	0.75%	91 days	-
Min Balance $500 Details Balance: $500.00 minimum Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Savings Rates

Product	Rate	APY
Savings Accounts	0.20%	0.20%
Min Balance $100 Details Balance: over $100.00; Average Daily Balance; Interest compounded monthly Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or more; Average daily balance; Interest compounded monthly; Interest rates may be changed at our discretion Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; Average daily balance; Interest compounded monthly; Interest rates may be changed at our discretion Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.05%	0.05%
Details Balance: less than $9,999.99; Average daily balance; Interest compounded monthly; Interest rates may be changed at our discretion Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Savings Accounts	0.00%	0.00%
Details Balance: below $100.00; Average Daily Balance; Interest compounded monthly Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Checking Rates

Product	Rate	APY
1st interest Checking account	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000.00 or more; Minimum Balance to Earn APY is an average daily balance; Interest compounded monthly Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st interest Checking account	0.25%	0.25%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; Minimum Balance to Earn APY is an average daily balance; Interest compounded monthly Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st interest Checking account	0.15%	0.15%
Min Balance $0 Details Balance: less than $9,999.99; Minimum Balance to Earn APY is an average daily balance; Interest compounded monthly Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Other Rates

Product	Rate	Points	APY/APR
1st immc account	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; Average Daily Balance; Interest compounded quarterly Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st immc account	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 or more; Average Daily Balance; Interest compounded quarterly Last Updated 11/07/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st immc account	0.10%	-	0.10%
Details Balance: less than $9,999.99; Average Daily Balance; Interest compounded quarterly Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

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 Hope’s Texas Ratio fell from 34.15% in Q3 2023 to 7.59% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.3 to 5.0 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	$83M	7.59%	5.0	A
March 31, 2026	$86M	29.36%	3.8	C
December 31, 2025	$90M	29.09%	3.8	C
September 30, 2025	$80M	34.88%	3.3	D
June 30, 2025	$82M	40.02%	2.9	F
March 31, 2025	$85M	47.19%	2.3	F
December 31, 2024	$87M	48.45%	2.2	F
September 30, 2024	$88M	44.47%	2.5	F
June 30, 2024	$86M	20.53%	4.5	B
March 31, 2024	$84M	20.93%	4.5	B
December 31, 2023	$82M	20.72%	4.5	B
September 30, 2023	$80M	34.15%	2.3	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 Hope 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 Hope 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 Hope's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Hope

Website https://www.fnbks.com

Address 112 N Main St, Hope, KS 67451 · Dickinson

Bank Holding Company HOPE BANCSHARES INC

FDIC Certificate # 4690

Regulator OCC

Established January 1, 1923

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.59%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8238%

Return on Equity (ROE)

9.1100%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

$83,394,000

Total Deposits

$74,087,000

Equity Capital

$7,900,000

Net Income

$355,000

Headquarters

Hope

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

FNB of Hope 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-hope-rates-review-4690">
  <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 FNB of Hope 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 FNB of Hope

Frequently Asked Questions About FNB of Hope

Does FNB of Hope offer CDs?

Yes. FNB of Hope current CD rates include its 11-Month CD at 4.01% APY, its 7-Month CD at 3.78% APY and its 60-Month CD - Preferred Customer at 1.86% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from FNB of Hope FDIC insured?

Yes. FNB of Hope 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 Hope?

The highest FNB of Hope CD rate is its IRA Certificate of Deposit - 12-Month Variable at 4.07% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does FNB of Hope offer?

FNB of Hope CD rates are 3.78% APY for a 7 month CD, 4.01% APY for an 11 month CD, 1.20% APY for a 12 month CD, 1.20% APY for an 18 month CD, 1.40% APY for a 2 year CD, 1.76% APY for a 3 year CD, 1.81% APY for a 4 year CD and 1.86% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of Hope for its full lineup.

What is the highest savings rate at FNB of Hope?

The highest FNB of Hope savings rate is its Savings Accounts at 0.20% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at FNB of Hope?

The highest FNB of Hope checking rate is its 1st interest Checking account at 0.35% APY, verified by MonitorBankRates as of November 7, 2026.

How many branches does FNB of Hope operate?

FNB of Hope currently maintains approximately 3 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 Hope 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 Hope provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Hope offer online and mobile banking?

Most modern institutions like FNB of Hope 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.fnbks.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 Hope rates compare?

FNB of Hope's top CD rate of 4.07% APY on a 12 month CD is 34% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. FNB of Hope's top rates are its IRA Certificate of Deposit - 12-Month Variable at 4.07% APY, its Savings Accounts at 0.20% APY and its 1st interest Checking account at 0.35% APY, verified by MonitorBankRates on November 7, 2026.

Current FNB of Hope Rates

12-Month CD1.20%
18-Month CD1.20%
24-Month CD1.40%
36-Month CD1.46%
48-Month CD1.51%
60-Month CD1.56%
Savings0.20%

Retrieved from our database of financial products. Rates subject to change.

FNB of Hope Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

FNB of Hope Texas Ratio

FNB of Hope Health Trend

FNB of Hope CD Rates

FNB of Hope Savings Rates

FNB of Hope Checking Rates

FNB of Hope Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

FNB of Hope earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About FNB of Hope

Does FNB of Hope offer CDs?

Are CDs from FNB of Hope FDIC insured?

What is the highest CD rate at FNB of Hope?

What CD terms does FNB of Hope offer?

What is the highest savings rate at FNB of Hope?

What is the highest checking rate at FNB of Hope?

How many branches does FNB of Hope operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does FNB of Hope offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

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

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

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

How do FNB of Hope rates compare?

Current FNB of Hope Rates

Compare to Other Banks