|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 FNB of River Falls Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: November 6, 2026
FNB of River Falls's CD & IRA Specials - 39-Month Special rates are at 4.00%, CD & IRA Specials - 29-Month Special rates are at 3.90%, CD & IRA Specials - 19-Month Special rates are at 3.80%, CD & IRA Specials - 9-Month Special rates are at 3.60%, 6-Month CD Special rates are at 3.50%. FNB of River Falls's savings rates are at 0.20%. FNB of River Falls's money market rates are at 1.20%. FNB of River Falls's checking rates are as high as 1.50%. FNB of River Falls's 15 Year Mortgage rates are at 6.75%, 10 Year Mortgage rates are at 6.75%, 30 Year Mortgage rates are at 6.875%, 20 Year Mortgage rates are at 6.875%. FNB of River Falls's top CD rate of 4.00% APY on a 39 month CD is 41% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of FNB of River Falls with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.74%. Rates last updated and verified on 11/06/2026. FNB of River Falls 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 River Falls? Share your experience about FNB of River Falls by leaving a review below, or read customer reviews before you decide to use FNB of River Falls. 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 River Falls CD Rates
FNB of River Falls Savings Rates
FNB of River Falls Business Savings Rates
FNB of River Falls Money Market Rates
FNB of River Falls Business Money Market Rates
FNB of River Falls Checking Rates
FNB of River Falls Business Checking Rates
FNB of River Falls Mortgage Rates
FNB of River Falls Other Rates
Financial Health HistoryFNB of River Falls’s Texas Ratio rose from 0.20% in Q3 2023 to 2.74% 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 2.2 to 5.0 and its Health Grade from C- 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
Powered by
MonitorBankRates
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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for FNB of River Falls 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 River Falls 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 River Falls's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
FNB of River Falls
Website
https://www.fnbrf.com
Address
104 E Locust St,
River Falls, WI 54022 · Pierce
Bank Holding Company
FIRST NATL BCORP RIVER FALLS
FDIC Certificate #
5364
Regulator
OCC
Established
January 4, 1904
FDIC Insurance Date
January 1, 1934
Domestic Offices
3
Total Branches
3
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.74%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.2875%
Return on Equity (ROE)
17.9100%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
$325,271,000
Total Deposits
$286,582,000
Equity Capital
$23,386,000
Net Income
$2,079,000
Headquarters
River Falls
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for FNB of River Falls 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.
Add Your Rating and Review for FNB of River Falls
Frequently Asked Questions About FNB of River FallsDoes FNB of River Falls offer CDs?Yes. FNB of River Falls current CD rates include its CD & IRA Specials - 39-Month Special at 4.00% APY, its CD & IRA Specials - 29-Month Special at 3.90% APY and its CD & IRA Specials - 19-Month Special at 3.80% APY, verified by MonitorBankRates as of November 6, 2026. Are CDs from FNB of River Falls FDIC insured?Yes. FNB of River Falls 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 River Falls?The highest FNB of River Falls CD rate is its CD & IRA Specials - 39-Month Special at 4.00% APY, verified by MonitorBankRates as of November 6, 2026. What CD terms does FNB of River Falls offer?FNB of River Falls CD rates are 3.50% APY for a 6 month CD, 3.60% APY for a 9 month CD, 3.80% APY for an 18 month CD, 3.80% APY for a 19 month CD, 3.90% APY for a 29 month CD, 4.00% APY for a 3 year CD and 4.00% APY for a 39 month CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with FNB of River Falls for its full lineup. What is the highest savings rate at FNB of River Falls?The highest FNB of River Falls savings rate is its Health Savings Account at 0.20% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest money market rate at FNB of River Falls?The highest FNB of River Falls money market rate is its Business Tiered Money Market at 1.20% APY, verified by MonitorBankRates as of November 6, 2026. What is the highest checking rate at FNB of River Falls?The highest FNB of River Falls checking rate is its First Choice Checking at 1.50% APY, verified by MonitorBankRates as of November 6, 2026. What is the lowest mortgage rate at FNB of River Falls?The lowest FNB of River Falls mortgage rate is its 15 Year Mortgage at 6.75%, verified by MonitorBankRates as of November 6, 2026. FNB of River Falls mortgage rates are 6.875% for a 30 year mortgage, 6.875% for a 20 year mortgage, 6.75% for a 15 year mortgage and 6.75% for a 10 year mortgage. How many branches does FNB of River Falls operate?FNB of River Falls 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 River Falls 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 River Falls provides members with tools to manage their accounts and build a solid financial history. Does FNB of River Falls offer online and mobile banking?Most modern institutions like FNB of River Falls 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.fnbrf.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 River Falls rates compare?FNB of River Falls's top CD rate of 4.00% APY on a 39 month CD is 41% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. FNB of River Falls's top rates are its CD & IRA Specials - 39-Month Special at 4.00% APY, its Health Savings Account at 0.20% APY, its Business Tiered Money Market at 1.20% APY, its First Choice Checking at 1.50% APY and its 15 Year Mortgage at 6.75%, verified by MonitorBankRates on November 6, 2026. Current FNB of River Falls Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Chase Bank
Cornhusker Bank
Community Bank Lexington, TN
Chesterfield State Bank
Mcnb
Starion Bank
First Texoma National Bank
Ashton State Bank
Wrentham Co-operative Bank
High Country Bank
Merchants & Citizens Bank
Hometown National Bank
West Bank
Palmetto State Bank
Four Corners Community Bank
TotalBank
Bank of Oak Ridge LA
Heritage Bank of Schaumburg
Classic Bank
Bank of Forest
The Park Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
