The FNB Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 3.20%, 6-month CD rates at 0.60% and 3-month CD rates at 1.00%. Current savings rates are at 0.05% and money market rates are at 2.02%. Mortgage rates today on 30-year fixed loans are around 5.98%. Credit Card rates are at 9.20%. Personal Loan rates are at 10.89%. All these rates, and more, can be found in our database of rates. The FNB Community Bank's 36-Month CD rates are at 2.78%, 24-Month CD rates are at 2.46%, 48-Month CD rates are at 2.27%, 18-Month CD rates are at 2.27%, 12-Month CD rates are at 2.17%. The FNB Community Bank's savings rates are at 0.10%. The FNB Community Bank's money market rates are at 0.10%.

The FNB Community Bank

To see how these rates compare to The FNB Community Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from The FNB Community Bank, 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 The FNB Community Bank CD rates. You can also compare The FNB Community Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

The FNB Community Bank Texas Ratio

The FNB Community Bank's Texas Ratio is at 1.79%, which is considered excellent. The Texas Ratio for The FNB Community Bank 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, The FNB Community Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
2.17%
18-Month CD
2.27%
24-Month CD
2.46%
36-Month CD
2.78%
48-Month CD
2.27%
60-Month CD
2.02%
Savings
0.10%
MMA
0.10%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
The FNB Community Bank
432 W Gallatin St
Vandalia, IL 62471
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

The FNB Community Bank CD Rates and Interest Rates

Bank
Product
APY
Min Dep
The FNB Community Bank
The FNB Community Bank
36-Month CD
2.78%
$1,000
The FNB Community Bank
The FNB Community Bank
24-Month CD
2.46%
$1,000
The FNB Community Bank
The FNB Community Bank
48-Month CD
2.27%
$1,000
The FNB Community Bank
The FNB Community Bank
18-Month CD
2.27%
$1,000
The FNB Community Bank
The FNB Community Bank
12-Month CD
2.17%
$1,000
The FNB Community Bank
The FNB Community Bank
60-Month CD
2.02%
$1,000
The FNB Community Bank
The FNB Community Bank
Money Market
0.10%
$1,000
The FNB Community Bank
The FNB Community Bank
Regular Savings
0.10%
$100
Show More

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.

Compare The FNB Community Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
VirtualBank
VirtualBank
eMoney Market
4.25%
$0
Achieve Credit Union
Achieve Credit Union
6-Month CD
4.25%
$500
University First Federal Credit Union
University First Federal Credit Union
36-Month CD
4.05%
$500
Ally Bank
Ally Bank
6-Month CD
4.00%
$0
Shoreham Bank
Shoreham Bank
Soaring Savings
4.00%
$25,000
Compass Savings Bank
Compass Savings Bank
6-Month CD
3.92%
$500
Compass Savings Bank
Compass Savings Bank
18-Month CD
3.66%
$500
Security FSB
Security FSB
SecFed High Yield Money Market
3.56%
$250,000
Peoples Bank of Deer Lodge
Peoples Bank of Deer Lodge
12-Month CD
3.55%
$100
SaviBank
SaviBank
12-Month CD
3.50%
$500
First National Bank in Olney
First National Bank in Olney
24-Month CD
3.45%
$500
Central State Bank State Center, IA
Central State Bank State Center, IA
48-Month CD
3.33%
$1,500
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
30-Month CD
3.12%
$1,000
Security Federal Bank
Security Federal Bank
48-Month CD
3.00%
$500
Solvay Bank
Solvay Bank
60-Month CD
3.00%
$500
Lea County State Bank
Lea County State Bank
48-Month CD
2.94%
$1,000
Ladysmith Federal S&L
Christmas Club Savings
2.75%
$0
Castroville State Bank
Castroville State Bank
60-Month CD
2.63%
$1,000
Farmers State Bank Yale, IA
Farmers State Bank Yale, IA
18-Month CD
2.57%
$500
Headwaters State Bank
Headwaters State Bank
24-Month CD
2.52%
$1,000
Primary Bank
Primary Bank
60-Month CD
2.50%
$1,000
Rhinebeck Bank
Rhinebeck Bank
12-Month CD
2.27%
$2,000
FNB of Johnson
18-Month CD
2.26%
$500
Western Nebraska Bank
Western Nebraska Bank
24-Month CD
2.17%
$250
Fairview State Banking Company
Fairview State Banking Company
24-Month CD
2.12%
$2,500
Van Wert Federal Savings Bank
Van Wert Federal Savings Bank
36-Month CD
2.07%
$1,000
Farmers State Bank Victor, MT
Farmers State Bank Victor, MT
60-Month CD
2.02%
$1,000
Tucumcari Federal S&L
24-Month CD
2.02%
$1,000
M.Y. Safra Bank
M.Y. Safra Bank
Platinum Money Market
2.00%
$5,000
Jonah Bank of Wyoming
Jonah Bank of Wyoming
12-Month CD
1.77%
$500
Ohio Valley Bank Co.
Ohio Valley Bank Co.
60-Month CD
1.50%
$2,500
FNB of Groton
FNB of Groton
24-Month CD
1.06%
$1,000
First Harvest Federal Credit Union
First Harvest Federal Credit Union
12-Month CD
1.00%
$1,000
North Star Bank
North Star Bank
Money Market
0.90%
$1,000
Karnes County National Bank
Karnes County National Bank
Regular Savings
0.75%
$100
The Victory Bank
The Victory Bank
24-Month CD
0.60%
$500
First National B&T Co. of Bottineau
First National B&T Co. of Bottineau
Super NOW Checking
0.55%
$2,500
First National Bank in Olney
First National Bank in Olney
Statement Savings
0.55%
$100
Bank of Hindman
Bank of Hindman
3-Month CD
0.50%
$1,000
Albany B&T Co. N.A.
Albany B&T Co. N.A.
Statement Savings
0.35%
$500
Oxford Bank
Oxford Bank
48-Month CD
0.27%
$500
Greeneville Federal Bank
Greeneville Federal Bank
12-Month CD
0.25%
$1,000
Washington Financial Bank
Washington Financial Bank
24-Month CD
0.25%
$500
Winter Hill Bank
Winter Hill Bank
3-Month CD
0.20%
$500
First National Bank Alamogordo, NM
First National Bank Alamogordo, NM
Money Market
0.10%
$2,500
SSB Community Bank
SSB Community Bank
Savings
0.10%
$100
North Country Savings Bank
North Country Savings Bank
24-Month CD
0.10%
$1,000
Hawaii National Bank
Hawaii National Bank
V.I.P. Money Market
0.05%
$2,000
Consumers National Bank
Consumers National Bank
Personal Savings
0.03%
$50
Partners Bank of New England
Savings
0.01%
$0
Show More

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 Rates April 22, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
15-Year Fixed
5.125%
5.243%
0.625
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
15-Year Fixed
5.375%
5.431%
0.000
5.125%
5.447%
1.125
5.250%
5.482%
0.500
5.250%
5.491%
0.000
5.250%
5.506%
0.000
5.375%
5.507%
0.000
5.300%
5.518%
0.000
5.375%
5.525%
0.750
15-Year Fixed Jumbo
5.500%
5.526%
0.000
5.375%
5.563%
0.000
5.500%
5.569%
0.000
5.250%
5.570%
1.250
5.375%
5.582%
1.000
5.500%
5.614%
0.000
5.250%
5.615%
1.750
5.250%
5.629%
2.000
5.500%
5.638%
0.000
5.500%
5.639%
0.250
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

The FNB Community Bank Information

The FNB Community Bank
432 W Gallatin St
Vandalia, IL 62471
Fayette
Established Date: 01/01/1865
FDIC Certificate #: 3840
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: FIRST VANDALIA CORP
How Many Domestic U.S. Offices? 7
How Many Branches are There? 7
Is The FNB Community Bank FDIC Insured? Yes
What is The FNB Community Bank's Cert number? 3840
What is the maximum amount for insured deposits? $250,000 per holder, per account

The FNB Community Bank Financials

Total Assets:
$478,938,000
Total Deposits:
$411,888,000
Equity Capital:
$38,132,000
Domestic Deposits:
$411,888,000
Net Income:
$699,000
Return on Assets:
0.8287%
Quarterly Return on Assets:
0.5800%
Pretax Return on Assets:
0.7220%
Pretax Quarterly Return on Assets:
0.7200%
Return on Equity:
10.9700%
Quarterly Return on Equity:
7.0400%
Common Equity Tier 1 Capital Ratio:
18.0925%
Tier 1 Risk-Based Capital Ratio:
18.0925%
Leverage Tier 1 (Core Capital) Ratio:
12.0605%
Total Risk-Based Capital Ratio (YTD):
19.0566%
Total Interest Income (YTD):
4.0273%
 
 
Headquarters:
Vandalia
FDIC Field Office:
Mount Vernon
Regulator:
FED
County:
Fayette
# of Offices:
7
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

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