What are the current interest rates at FNB of Sparta?

Current rates for FNB of Sparta include: 12-Month CD: 2.25%, 18-Month CD: 2.15%, 24-Month CD: 2.50%, 36-Month CD: 2.25%, 48-Month CD: 2.75%, 60-Month CD: 2.85%, Savings: 0.40%, MMA: 0.25%

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FNB of Sparta Rates & Review August 2026

Q: How many branches does FNB of Sparta operate?

FNB of Sparta currently maintains approximately 1 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 Sparta 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 Sparta 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 Sparta's 60-Month rates are at 2.85%, 48-Month rates are at 2.75%, 24-Month rates are at 2.50%, 12-Month rates are at 2.25%, 30-Month rates are at 2.25%. FNB of Sparta's savings rates are at 0.40%. FNB of Sparta's money market rates are at 0.25%. MonitorBankRates evaluates the financial stability of FNB of Sparta with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.06%. Rates last updated and verified on 08/28/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.06%

Excellent Higher than avg

FNB of Sparta

101 W Broadway St
Sparta, IL 62286

https://www.fnbsparta.com

FNB of Sparta CD Rates

Product	Rate	APY	Term
60 Month	2.82%	2.85%	60 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
48 Month	2.72%	2.75%	48 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
24 Month	2.48%	2.50%	24 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
12 Month	2.23%	2.25%	12 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
30 Month	2.23%	2.25%	30 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
36 Month	2.23%	2.25%	36 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
18 Month	2.13%	2.15%	18 Month
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

FNB of Sparta Savings Rates

Product	Rate	APY
College Club	0.55%	0.55%
Min Deposit $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Regular Savings	0.40%	0.40%
Min Deposit $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

FNB of Sparta Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Details $1000.00 and up Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%
Money Market	0.25%	0.25%
Details Up to $999.99 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.06%

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

Bank Profile & Overview

Institution Name FNB of Sparta

Bank Holding Company FIRST BCORP OF SPARTA LTD

Address 101 W Broadway St, Sparta, IL 62286 · Randolph

Website https://www.fnbsparta.com

FDIC Certificate # 3837

Established 10/02/1885

FDIC Insurance Date 01/01/1934

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.06%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.3675%

Return on Equity (ROE) 19.2300%

Non-Performing Loans (NPL) 0.47%

Total Assets $112,087,000

Total Deposits $99,060,000

Equity Capital $12,200,000

Net Income $2,467,000

Headquarters Sparta

Total Branches and Offices 1

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

FNB of Sparta earned the Verified Healthy badge

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Frequently Asked Questions About FNB of Sparta

How many branches does FNB of Sparta operate?

FNB of Sparta currently maintains approximately 1 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 Sparta 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 Sparta provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Sparta offer online and mobile banking?

Most modern institutions like FNB of Sparta 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.fnbsparta.com.