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FNB of Oneida

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FNB of Oneida Rates & Review August 2026

Q: How many branches does FNB of Oneida operate?

FNB of Oneida currently maintains approximately 4 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 Oneida 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 Oneida 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 Oneida rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not FNB of Oneida, and you can see how they compare in the FNB of Oneida rate tables below. MonitorBankRates evaluates the financial stability of FNB of Oneida with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.96%. Database rates last updated and verified on 08/28/2026.

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

Exceptional Health Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.96%

Excellent Lower than avg

FNB of Oneida

19260 Alberta St
Oneida, TN 37841

https://www.fnboneida.com

FNB of Oneida Checking Rates

Product	Rate	APY
First Reward Checking	-	0.80%
Min Deposit $25 Details Qualifications Required: 10 debit card purchases post and clear per qualification cycle; 1 direct deposit or ACH auto debit post and clear per qualification cycle; Enroll and receive electronic statements; 0.20% APY paid on all amounts above $50,000 each cycle the minimum requirements are met. ATM fee refunds are automatic and are credited to the account at the end of the qualification cycle. If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period. Rates are effective as of today's date. We may change the interest rate and APY at any time after the account is open. No monthly service charge. Available to Personal Accounts only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%
First Reward Checking	-	0.10%
Min Deposit $25 Details If you do not meet the requirements per cycle, your account will still function as a free checking account earning 0.10% APY; however, it will not receive ATM refunds for that time period. Rates are effective as of today's date. We may change the interest rate and APY at any time after the account is open. No monthly service charge. Available to Personal Accounts only. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.96%

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 Oneida 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 Oneida 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 Oneida's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Oneida

FDIC Certificate # 4958

Address 19260 Alberta St, Oneida, TN 37841 · Scott

Website https://www.fnboneida.com

Established 01/01/1904

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 100/100

5.0

Exceptional Out of 5.0 Stars

0.96%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.6802%

Return on Equity (ROE) 24.3800%

Non-Performing Loans (NPL) 0.06%

Total Assets $357,479,000

Total Deposits $319,302,000

Equity Capital $33,908,000

Net Income $6,025,000

Headquarters Oneida

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

FNB of Oneida earned the Exceptional Health 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.

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Frequently Asked Questions About FNB of Oneida

How many branches does FNB of Oneida operate?

FNB of Oneida currently maintains approximately 4 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 Oneida 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 Oneida provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Oneida offer online and mobile banking?

Most modern institutions like FNB of Oneida 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.fnboneida.com.