FNB of Sterling City Rates and Review January 2026

Q: How many branches does FNB of Sterling City operate?

FNB of Sterling City currently maintains approximately 3 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 Sterling City 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 Sterling City provides members with tools to manage their accounts and build a solid financial history.

FNB of Sterling City 12-month CD rates can be found at 4.00%, 6-month CD rates at 5.15% and 3-month CD rates at 0.66%. Savings rates are at 0.05% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 5.78%. Credit Card rates are at 14.74%. Personal Loan rates are at 5.50%. All these rates, and more, can be found in our database of rates which you can compare to FNB of Sterling City rates.

To see how these rates compare to FNB of Sterling City CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from FNB of Sterling City, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with FNB of Sterling City CD rates. You can also compare FNB of Sterling City savings rates, MMA rates and mortgage rates using our other rate lists.

Rate Updates and Availability

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

Financial Stability and Texas Ratio

FNB of Sterling City's Texas Ratio is at 0.19%, which is considered excellent. The Texas Ratio for FNB of Sterling City is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, FNB of Sterling City is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.45%

18-Month CD

N/A

2.22%

24-Month CD

N/A

2.22%

36-Month CD

N/A

2.15%

48-Month CD

N/A

2.13%

60-Month CD

N/A

2.24%

Savings

N/A

0.69%

MMA

N/A

0.79%

30-Year Fixed

N/A

6.04%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

FNB of Sterling City

602 4th St
Sterling City, TX 76951

https://www.thefnbsc.com

MonitorBankRates' Rating

5/5

★★★★★

Review FNB of Sterling City

Compare FNB of Sterling City Rates with Other Competitive Bank and Credit Union Rates

Live Oak Bank

12-Month CD

4.00%

$2,500

Glen Burnie MSB

Money Market Advantage

3.82%

$25,000

Friendship State Bank

12-Month CD

3.77%

$500

Madison County Bank

6-Month CD

3.75%

$500

Leighton State Bank

12-Month CD

3.63%

$500

Riverland Bank

24-Month CD

3.40%

$1,000

Kendall Bank

12-Month CD

3.25%

$1,000

Northern Bank Direct

36-Month CD

3.25%

$500

Barrington Bank & Trust Company

26-Month CD

3.20%

$1,000

Grand Valley Bank

24-Month CD

3.10%

$500

United State Bank Lewistown, MO

48-Month CD

3.00%

$1,000

Abilene Teachers Federal Credit Union

6-Month CD

2.78%

$500

Coffee County Bank

60-Month CD

2.75%

$1,000

Vast Bank

24-Month CD

2.50%

$1,000

PSB of Rhineland

36-Month CD

2.27%

$1,000

First National Bank Ames, Iowa

24-Month CD

2.22%

$1,000

Chartway Credit Union

48-Month CD

2.15%

$500

Nashville Savings Bank

60-Month CD

2.02%

$1,000

Maine Community Bank

18-Month CD

2.00%

$500

InFirst Bank

60-Month CD

1.75%

$500

CSB Norwood Young America

Prime Money Market

1.51%

$50,000

Central State Bank State Center, IA

Money Market

1.40%

$5,000

Bank

48-Month CD

1.40%

$10,000

The Peoples Community Bank

18-Month CD

1.30%

$500

Ultima Bank Minnesota

3-Month CD

1.15%

$1,000

Penn Community Bank

24-Month CD

1.00%

$500

State Bank of Graymont

18-Month CD

0.95%

$1,000

Peoples Trust Co. of St. Albans

48-Month CD

0.85%

$500

C&SB of Millersburg, Ohio

12-Month CD

0.85%

$500

Eagle Bank Everett, MA

60-Month CD

0.65%

$500

Freedom Bank, Inc.

24-Month CD

0.55%

$500

Napoleon State Bank

48-Month CD

0.55%

$5,000

Washington Savings Bank Lowell, MA

36-Month CD

0.55%

$500

State Bank of the Lakes

Money Market

0.50%

$50,000

First Federal S&L Hazard, KY

Passbook Savings

0.50%

$10

Connection Bank

12-Month CD

0.45%

$1,000

First Community Bank of Moultrie County

3-Month CD

0.40%

$500

FSB of St. Charles, MO

Savings

0.40%

$100

5 Star Bank

12-Month CD

0.30%

$500

The Huntington National Bank

6-Month CD

0.25%

$1,000

United Minnesota Bank

3-Month CD

0.25%

$500

FNB Of Nokomis

Savings

0.20%

Cecil Bank

Savings

0.15%

$10

Northwest Bank Warren, PA

Affinity Premier Money Market

0.15%

$100,000

FNB of Absecon

24-Month CD

0.15%

First Commonwealth Bank

30-Month CD

0.15%

$500

FNB of Hope

Money Market

0.10%

Friendship State Bank

Money Market Advantage

0.10%

$5,000

Savings Bank of Walpole

Savings

0.05%

$100

PNC Bank

60-Month CD

0.02%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Our apologies, we do not have FNB of Sterling City rate data right now, check back for updates, we are adding rates all the time.

Bank Profile & Overview

FNB of Sterling City

602 4th St
Sterling City, TX 76951
Sterling
Established Date: 08/02/1910
FDIC Certificate #: 5538
Date of FDIC Deposit Insurance: 01/01/1934

Bank Holding Company: STERLING CITY BANCSHARES INC

How Many Domestic U.S. Offices? 3

How Many Branches are There? 3

Website: https://www.thefnbsc.com

Is FNB of Sterling City FDIC Insured? Yes

What is FNB of Sterling City's Cert number? 5538

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$244,883,000

Total Deposits:

$236,981,000

Equity Capital:

$7,755,000

Net Income:

$855,000

Return on Assets (ROA):

1.3266%

Return on Equity (ROE):

76.2100%

Headquarters:

Sterling City

Regulator:

OCC

# of Offices:

Source: FDIC | Last Updated 03/31/2024

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Frequently Asked Questions About FNB of Sterling City

Is FNB of Sterling City a safe place to deposit money?

Yes, FNB of Sterling City is considered a safe financial institution. With a Texas Ratio of 0.19%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does FNB of Sterling City operate?

FNB of Sterling City 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 Sterling City 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 Sterling City provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Sterling City offer online and mobile banking?

Most modern institutions like FNB of Sterling City 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.thefnbsc.com.