What are the current interest rates at FNB of McGregor?

Current rates for FNB of McGregor include: Savings: 0.05%

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FNB of McGregor

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FNB of McGregor Rates & Review August 2026

Q: How many branches does FNB of McGregor operate?

FNB of McGregor currently maintains approximately 6 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 McGregor 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 McGregor 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: August 28, 2026

FNB of McGregor's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of FNB of McGregor with a 4.8 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 17.66%. Rates last updated and verified on 08/28/2026.

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

Overall Health & Safety Grade

B+

Good Health Score: 89/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

17.66%

Good Higher than avg

FNB of McGregor

401 S Main St
Mc Gregor, TX 76657

https://www.tfnbtx.com

FNB of McGregor Savings Rates

Product	Rate	APY
Edge Ahead Savings	-	0.75%
Min Deposit $50 Details Qualifications Required: 1 direct deposit, ACH debit, or Bill Pay transaction per month; log into online banking at least once a month; a minimum of 12 debit card transactions ($5 min. per transaction) a month; Earn 0.75% APY* on your Edge Ahead balance up to $100,000.00, 0.25% APY on balances in excess of $100,000.00 if monthly qualifications are met on your paired Extra Edge or Cash Edge Checking. Any reward earned on your Extra Edge or Cash Edge checking will be automatically transferred to the Edge Ahead for extra savings. If monthly reward qualifications are not met on the Extra Edge or Cash Edge checking, you still earn 0.05% APY on your Edge Ahead balance. No penalties or fees if you don't meet reward qualifications. Just try again next month! E-statement only: No paper statements unless enrolled in Edge Plus. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.66%
Edge Ahead Savings	-	0.25%
Min Deposit $50 Min Balance $100,000 Details Qualifications Required: 1 direct deposit, ACH debit, or Bill Pay transaction per month; log into online banking at least once a month; a minimum of 12 debit card transactions ($5 min. per transaction) a month; Earn 0.75% APY* on your Edge Ahead balance up to $100,000.00, 0.25% APY on balances in excess of $100,000.00 if monthly qualifications are met on your paired Extra Edge or Cash Edge Checking. Any reward earned on your Extra Edge or Cash Edge checking will be automatically transferred to the Edge Ahead for extra savings. If monthly reward qualifications are not met on the Extra Edge or Cash Edge checking, you still earn 0.05% APY on your Edge Ahead balance. No penalties or fees if you don't meet reward qualifications. Just try again next month! E-statement only: No paper statements unless enrolled in Edge Plus. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.66%
Edge Ahead Savings	-	0.05%
Min Deposit $50 Details Qualifications Required: 1 direct deposit, ACH debit, or Bill Pay transaction per month; log into online banking at least once a month; a minimum of 12 debit card transactions ($5 min. per transaction) a month; Earn 0.75% APY* on your Edge Ahead balance up to $100,000.00, 0.25% APY on balances in excess of $100,000.00 if monthly qualifications are met on your paired Extra Edge or Cash Edge Checking. Any reward earned on your Extra Edge or Cash Edge checking will be automatically transferred to the Edge Ahead for extra savings. If monthly reward qualifications are not met on the Extra Edge or Cash Edge checking, you still earn 0.05% APY on your Edge Ahead balance. No penalties or fees if you don't meet reward qualifications. Just try again next month! E-statement only: No paper statements unless enrolled in Edge Plus. Last Updated 08/28/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 17.66%

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.

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name FNB of McGregor

Bank Holding Company MCGREGOR BANCSHARES INC

Address 401 S Main St, Mc Gregor, TX 76657 · Mclennan

Website https://www.tfnbtx.com

FDIC Certificate # 3330

Established 01/01/1889

FDIC Insurance Date 01/01/1934

Domestic Offices 6

Total Branches 6

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

B+

Overall Health Grade Score: 89/100

4.8

Excellent Out of 5.0 Stars

17.66%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9971%

Return on Equity (ROE) 11.6200%

Non-Performing Loans (NPL) 0.72%

Total Assets $1,010,945,000

Total Deposits $916,084,000

Equity Capital $85,532,000

Net Income $10,153,000

Headquarters Mc Gregor

Total Branches and Offices 6

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About FNB of McGregor

How many branches does FNB of McGregor operate?

FNB of McGregor currently maintains approximately 6 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 McGregor 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 McGregor provides members with tools to manage their accounts and build a solid financial history.

Does FNB of McGregor offer online and mobile banking?

Most modern institutions like FNB of McGregor 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.tfnbtx.com.