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FNB of Oneida

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FNB of Oneida Rates & Review September 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: September 19, 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 2.85%, 6-month CD rates at 2.75% and 3-month CD rates at 2.56%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. 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 1.79%. Database rates last updated and verified on 09/19/2026.

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.

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

1.79%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

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* on your balances over $50,000 each qualifying cycle when the requirements are met. ATM fee refunds when requirements are met. If requirements are not met, 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%
First Reward Checking	-	0.10%
Min Deposit $25 Details If requirements are not met, 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 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.79%

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 Oneida’s Texas Ratio rose from 0.96% in Q3 2023 to 1.79% 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 4.7 to 5.0 and its Health Grade from A 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.

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

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	$368M	1.79%	5.0	A+
March 31, 2026	$368M	1.22%	5.0	A+
December 31, 2025	$357M	5.54%	5.0	A+
September 30, 2025	$348M	4.87%	5.0	A+
June 30, 2025	$343M	2.14%	5.0	A+
March 31, 2025	$340M	3.67%	5.0	A+
December 31, 2024	$328M	2.01%	5.0	A+
September 30, 2024	$322M	1.27%	5.0	A+
June 30, 2024	$318M	1.84%	5.0	A+
March 31, 2024	$323M	0.37%	5.0	A+
December 31, 2023	$312M	0.39%	5.0	A+
September 30, 2023	$310M	0.96%	4.7	A

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 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 19040101

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.79%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.9655%

Return on Equity (ROE) 20.9000%

Non-Performing Loans (NPL) 0.17%

Total Assets $367,780,000

Total Deposits $327,972,000

Equity Capital $35,327,000

Net Income $3,581,000

Headquarters Oneida

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

FNB of Oneida 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 — no need to download or upload anything.

<a href="https://monitorbankrates.com/banks/the-first-national-bank-of-oneida-rates-review-4958">
  <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

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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.