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FNB of Pandora Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 11, 2026
FNB of Pandora's top rates as of October 11, 2026 are 3.61% APY on its 25-Month 25-Month Certificate Special, 0.25% APY on savings, 2.07% APY on money market accounts, 3.10% APY on checking, and auto loans from 5.50% APR, according to rates verified by MonitorBankRates. Other FNB of Pandora CD rates include 25-Months 25-Month Special - Relationship Bump-up at 3.61%, 7-Month 7-Month Certificate Special at 3.61%, and 25-Month 25-Month Certificate Special at 3.45%. MonitorBankRates evaluates the financial stability of FNB of Pandora with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.48%. Rates last updated and verified on 10/11/2026.
FNB of Pandora 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 Pandora? Share your experience about FNB of Pandora by leaving a review below, or read customer reviews before you decide to use FNB of Pandora.
FNB of Pandora has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
FNB of Pandora has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.48%
ExcellentLower than avg
FNB of Pandora Texas Ratio
FNB of Pandora's Texas Ratio is 2.48%, which is considered excellent and is lower than the national average of 5.85%.
FNB of Pandora has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.15% to 2.48% over 12 quarters, improvingFull history
Star Rating 3.7 to 5.0, Health Grade B to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Pandora CD Rates
Product
Rate
APY
Term
View More
25 Month Certificate Special
3.55%
3.61%
25-Month
Min Deposit$5,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
Oct 7, 20263.61%▲ from 3.45%
Sep 11, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
25-Month Special - Relationship Bump-up
3.55%
3.61%
25 months
Min Balance$5,000
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.61% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
7 Month Certificate Special
3.55%
3.61%
7-Month
Min Deposit$5,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.45% → 3.61% ▲ 0.16 pts · high 3.61% / low 3.45%
Oct 7, 20263.61%▲ from 3.45%
Sep 11, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
25 Month Certificate Special
3.40%
3.45%
25-Month
Min Deposit$5,000
Min Balance$5,000
DetailsRelationship Bump-up: 3.55% Interest Rate / 3.61% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
7 Month Certificate Special
3.40%
3.45%
7-Month
Min Deposit$5,000
Min Balance$5,000
DetailsRelationship Bump-up: 3.55% Interest Rate / 3.61% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.45% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
31 Month Certificate Special
3.25%
3.30%
31-Month
Min Deposit$5,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 3.14% → 3.30% ▲ 0.16 pts · high 3.30% / low 3.14%
Oct 7, 20263.30%▲ from 3.14%
Sep 11, 20263.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
31 Month Certificate Special
3.10%
3.14%
31-Month
Min Deposit$5,000
Min Balance$5,000
DetailsRelationship Bump-up: 3.25% Interest Rate / 3.30% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.14% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Variable Rate Retirement Accounts (IRAs 18 Month)
2.75%
2.78%
Min Deposit$100
DetailsVariable IRA rate is subject to change after account is opened.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.78% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
60 Month Certificate
2.40%
2.43%
60-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 2.27% → 2.43% ▲ 0.16 pts · high 2.43% / low 2.27%
Oct 7, 20262.43%▲ from 2.27%
Sep 11, 20262.27%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Term - 60-Month - Relationship Bump-up
2.40%
2.43%
60 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.43% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
60 Month Certificate
2.25%
2.27%
60-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 2.40% Interest Rate / 2.43% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Term - 60-Month
2.25%
2.27%
60 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
48 Month Certificate
1.90%
1.92%
48-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.76% → 1.92% ▲ 0.16 pts · high 1.92% / low 1.76%
Oct 7, 20261.92%▲ from 1.76%
Sep 11, 20261.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
48-Month Term - Relationship Bump-up
1.90%
1.92%
48 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.92% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
48 Month Certificate
1.75%
1.76%
48-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.90% Interest Rate / 1.92% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.76% APY · checked 7 times
No change since Oct 7, 2026 · 1.76% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
36 Month Certificate
1.65%
1.66%
36-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.51% → 1.66% ▲ 0.15 pts · high 1.66% / low 1.51%
Oct 7, 20261.66%▲ from 1.51%
Sep 11, 20261.51%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
30 Month Certificate
1.55%
1.56%
30-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.41% → 1.56% ▲ 0.15 pts · high 1.56% / low 1.41%
Oct 7, 20261.56%▲ from 1.41%
Sep 11, 20261.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Term - 30-Month - Relationship
1.55%
1.56%
30-Month
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.56% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
36 Month Certificate
1.50%
1.51%
36-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.65% Interest Rate / 1.66% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.51% APY · checked 7 times
No change since Oct 7, 2026 · 1.51% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
24 Month Certificate
1.45%
1.46%
24-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.31% → 1.46% ▲ 0.15 pts · high 1.46% / low 1.31%
Oct 7, 20261.46%▲ from 1.31%
Sep 11, 20261.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
24-Month Term - Relationship Bump-up
1.45%
1.46%
24 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.46% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
30 Month Certificate
1.40%
1.41%
30-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.55% Interest Rate / 1.56% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.41% APY · checked 7 times
No change since Sep 19, 2026 · 1.41% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
18 Month Certificate
1.35%
1.36%
18-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.21% → 1.36% ▲ 0.15 pts · high 1.36% / low 1.21%
Oct 7, 20261.36%▲ from 1.21%
Sep 11, 20261.21%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
18-Month Term - Relationship Bump-up
1.35%
1.36%
18 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.36% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
24 Month Certificate
1.30%
1.31%
24-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.45% Interest Rate / 1.46% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.31% APY · checked 7 times
No change since Oct 7, 2026 · 1.31% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
12 Month Certificate
1.25%
1.26%
12-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 1.11% → 1.26% ▲ 0.15 pts · high 1.26% / low 1.11%
Oct 7, 20261.26%▲ from 1.11%
Sep 11, 20261.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
12-Month Term - Relationship Bump-up
1.25%
1.26%
12 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
18 Month Certificate
1.20%
1.21%
18-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.35% Interest Rate / 1.36% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.21% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
18-Month Term
1.20%
1.21%
18 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.21% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
12 Month Certificate
1.10%
1.11%
12-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 1.25% Interest Rate / 1.26% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.11% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
12-Month Term
1.10%
1.11%
12 months
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.11% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
6 Month Certificate
0.90%
0.90%
6-Month
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
1 change since Sep 11, 2026 · 0.75% → 0.90% ▲ 0.15 pts · high 0.90% / low 0.75%
Oct 7, 20260.90%▲ from 0.75%
Sep 11, 20260.75%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
6 Month Certificate
0.75%
0.75%
6-Month
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 0.90% Interest Rate / 0.90% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.75% APY · checked 7 times
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
90 Day Certificate
0.65%
0.65%
90-Day
Min Deposit$1,000
Min Balance$2,500
DetailsRelationship Bump-up Interest Rate. Customers must have a checking account, savings account or active loan with FNB.
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
90 Day Certificate
0.50%
0.50%
90-Day
Min Deposit$1,000
Min Balance$1,000
DetailsRelationship Bump-up: 0.65% Interest Rate / 0.65% APY. Customers must have a checking account, savings account or active loan with FNB. Minimum Balance to receive the Bump-Up is $2,500.00.
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Savings Rates
Product
Rate
APY
View More
Christmas Club
0.25%
0.25%
Min Deposit$1
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Simply Savings
0.25%
0.25%
Min Deposit$25
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Vacation Club
0.25%
0.25%
Min Deposit$1
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Health Savings Accounts
0.11%
0.11%
Min Deposit$25
Min Balance$10,000
DetailsBalance: $10,000.00 and Higher
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.11% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Health Savings Accounts
0.09%
0.09%
Min Deposit$25
Min Balance$5,000
DetailsBalance: $5,000.00 to $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.09% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Health Savings Accounts
0.07%
0.07%
Min Deposit$25
Min Balance$1,000
DetailsBalance: $1,000.00 to $4,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.07% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Health Savings Accounts
0.05%
0.05%
Min Deposit$25
Min Balance$0
DetailsBalance: $0 to $999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Money Market Rates
Product
Rate
APY
View More
Hi-Fi Money Market Accounts
2.05%
2.07%
Min Deposit$50
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and Higher
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 2.07% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts
1.25%
1.26%
Min Deposit$50
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.26% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts
1.05%
1.06%
Min Deposit$50
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 1.06% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts
0.80%
0.80%
Min Deposit$50
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.80% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts
0.50%
0.50%
Min Deposit$50
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Hi-Fi Money Market Accounts
0.25%
0.25%
Min Deposit$50
Min Balance$0
DetailsBalance: $0 to $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Checking Rates
Product
Rate
APY
View More
First Choice Rewards Checking
3.05%
3.10%
Min Deposit$50
Min Balance$0
DetailsQualifications Required: 1.01% APY applies to all balances if qualifications are not met; 0.01% APY applies to all balances if qualifications are not met. Qualifying transactions must post and clear account during the monthly qualification cycle. APY range based on balance in account. Balance: $0 to $10,000.00
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 3.10% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
First Choice Basic Checking
0.25%
0.25%
Min Deposit$50
Min Balance$100,000
DetailsBalance: $100,000.00 and Higher
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
First Choice Basic Checking
0.20%
0.20%
Min Deposit$50
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
First Choice Basic Checking
0.15%
0.15%
Min Deposit$50
Min Balance$25,000
DetailsBalance: $25,000.00 to $49,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.15% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
First Choice Basic Checking
0.10%
0.10%
Min Deposit$50
Min Balance$10,000
DetailsBalance: $10,000.00 to $24,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
First Choice Basic Checking
0.05%
0.05%
Min Deposit$50
Min Balance$1,000
DetailsBalance: $1,000.00 to $9,999.99
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Business Checking Rates
Product
Rate
APY
View More
Business Interest and Non-Profit Business Checking
2.05%
2.07%
Min Deposit$100
Min Balance$1,000,000
DetailsBalance: $1,000,000.00 and Higher
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 2.07% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking
1.25%
1.26%
Min Deposit$100
Min Balance$500,000
DetailsBalance: $500,000.00 to $999,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.26% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking
1.05%
1.06%
Min Deposit$100
Min Balance$250,000
DetailsBalance: $250,000.00 to $499,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking
0.80%
0.80%
Min Deposit$100
Min Balance$100,000
DetailsBalance: $100,000.00 to $249,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking
0.50%
0.50%
Min Deposit$100
Min Balance$50,000
DetailsBalance: $50,000.00 to $99,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Business Interest and Non-Profit Business Checking
0.25%
0.25%
Min Deposit$100
Min Balance$0
DetailsBalance: $0.00 to $49,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Auto loans
-
-
5.50%
DetailsAs Low As; promotional rate
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 5.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
FNB of Pandora Other Rates
Product
Rate
Points
APY/APR
Term
View More
90-Day Term
0.50%
-
0.50%
90-Day
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
90-Day Term - Relationship Bump-up
0.65%
-
0.65%
90-Day
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.65% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
and Higher
0.25%
-
0.30%
Min Deposit$1
Min Balance$25,000
Details$25,000.01; Published APY range: 0.30% - 0.26%. Balance: $25,000.01 and Higher
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
and Higher
0.11%
-
0.11%
Min Deposit$25
Min Balance$10,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.11% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
and Higher
0.25%
-
0.25%
Min Deposit$50
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 2.07% → 0.25% ▼ 1.82 pts · high 2.07% / low 0.25%
Sep 24, 20260.25%▼ from 2.07%
Sep 19, 20262.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
and Higher
2.05%
-
2.07%
Min Deposit$50
Last Updated10/11/2026
Rate History
2 changes since Sep 19, 2026 · 2.07% → 2.07% ▼ 0.00 pts · high 2.07% / low 0.25%
Oct 7, 20262.07%▲ from 0.25%
Sep 24, 20260.25%▼ from 2.07%
Sep 19, 20262.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
and Higher
2.05%
-
2.07%
Min Deposit$100
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 2.07% APY · checked 7 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Moola Moola
0.25%
-
0.25%
Min Deposit$5
DetailsFirst National Bank will deposit up to $25.00 into the Moola Moola account to match the account opening deposit. The minimum deposit to open and earn the bonus is $5.00. The account opening bonus will not exceed $25.00.
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Student
0.25%
-
0.25%
Min Deposit$25
Last Updated10/11/2026
Rate History
No change since Sep 11, 2026 · 0.25% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $10,000.00
3.05%
-
3.10%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $100,000.00
2.95%
-
5.50%
Min Deposit$500
Min Balance$25,000
Details$25,000.01; Published APY range: 5.50 - 2.99%. Balance: $25,000.01 to $100,000.00
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 5.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $24,999.99
0.10%
-
0.10%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $249,999.99
0.80%
-
0.80%
Min Deposit$50
Min Balance$100,000
Details$100,000.00; Balance: $100,000.00 to $249,999.99
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.80% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $25,000.00
0.30%
-
0.30%
Min Deposit$1
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 5.50% → 0.30% ▼ 5.20 pts · high 5.50% / low 0.30%
Oct 7, 20260.30%▼ from 5.50%
Sep 19, 20265.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $25,000.00
5.37%
-
5.50%
Min Deposit$500
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 5.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $4,999.99
0.07%
-
0.07%
Min Deposit$25
Min Balance$1,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.07% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $49,999.99
0.15%
-
0.15%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $49,999.99
0.25%
-
0.25%
Min Deposit$50
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15%
Oct 7, 20260.25%▲ from 0.15%
Sep 24, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $49,999.99
0.25%
-
0.25%
Min Deposit$100
Last Updated10/11/2026
Rate History
1 change since Sep 24, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15%
Oct 7, 20260.25%▲ from 0.15%
Sep 24, 20260.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $499,999.99
1.05%
-
1.06%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $499,999.99
1.05%
-
1.06%
Min Deposit$100
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 1.06% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $9,999.99
0.09%
-
0.09%
Min Deposit$25
Min Balance$5,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.09% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $9,999.99
0.05%
-
0.05%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $99,999.99
0.50%
-
0.50%
Min Deposit$100
Min Balance$50,000
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $99,999.99
0.20%
-
0.20%
Min Deposit$50
Last Updated10/11/2026
Rate History
1 change since Sep 19, 2026 · 0.50% → 0.20% ▼ 0.30 pts · high 0.50% / low 0.20%
Oct 7, 20260.20%▼ from 0.50%
Sep 19, 20260.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $999,999.99
1.25%
-
1.26%
Min Deposit$50
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.26% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $999,999.99
1.25%
-
1.26%
Min Deposit$100
Last Updated10/11/2026
Rate History
No change since Sep 19, 2026 · 1.26% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
to $999.99
0.05%
-
0.05%
Min Deposit$25
Min Balance$0
Last Updated10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.48%
Financial Health History
FNB of Pandora’s Texas Ratio fell from 4.15% in Q3 2023 to 2.48% 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 3.7 to 5.0 and its Health Grade from B 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
$299M
2.48%
5.0
A+
March 31, 2026
$291M
2.60%
5.0
A+
December 31, 2025
$289M
1.03%
5.0
A+
September 30, 2025
$285M
1.22%
5.0
A+
June 30, 2025
$278M
1.77%
4.8
A
March 31, 2025
$275M
6.08%
4.6
A-
December 31, 2024
$275M
7.32%
4.2
B+
September 30, 2024
$272M
13.08%
4.6
B+
June 30, 2024
$264M
0.53%
4.2
A-
March 31, 2024
$262M
3.38%
4.0
B+
December 31, 2023
$259M
2.76%
4.1
B+
September 30, 2023
$252M
4.15%
3.7
B
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 Pandora 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 Pandora 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 Pandora's official website for the most current offers and terms.
Display this badge on your website to show visitors your Q2 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; when a new quarter is published, come back to this page for the updated code.
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 Pandora
How many branches does FNB of Pandora operate?
FNB of Pandora currently maintains approximately 7 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 Pandora 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 Pandora provides members with tools to manage their accounts and build a solid financial history.
Does FNB of Pandora offer online and mobile banking?
Most modern institutions like FNB of Pandora 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.e-fnb.com.
Current FNB of Pandora Rates
12-Month CD1.11%
18-Month CD1.21%
24-Month CD1.31%
36-Month CD1.51%
48-Month CD1.76%
60-Month CD2.27%
Savings0.25%
MMA2.07%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
