The Harvard State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to The Harvard State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from The Harvard State 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 Harvard State Bank CD rates. You can also compare The Harvard State Bank savings rates, MMA rates and mortgage rates using our other rate lists. The Harvard State 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 Harvard State Bank? Share your experience about The Harvard State Bank by leaving a review below, or read customer reviews before you decide to use The Harvard State Bank. The Harvard State Bank Texas Ratio The Harvard State Bank's Texas Ratio is at 3.86%, which is considered excellent. The Texas Ratio for The Harvard State 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 Harvard State Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Compare The Harvard State Bank Rates with Other Competitive Bank and Credit Union Rates
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4.50%
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Golden Belt Bank, FSA
12-Month CD
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Pacific Crest SB
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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 March 21, 2025Show 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. Our apologies, we do not have The Harvard State Bank rate data right now, check back for updates, we are adding rates all the time. The Harvard State Bank InformationThe Harvard State Bank
33 N Ayer StHarvard, IL 60033 Mchenry Established Date: 08/01/1866 FDIC Certificate #: 9079 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: HARVARD BANCSHARES INC How Many Domestic U.S. Offices? 5 How Many Branches are There? 5 Website: https://www.webhsb.com
Is The Harvard State Bank FDIC Insured? Yes
What is The Harvard State Bank's Cert number? 9079
What is the maximum amount for insured deposits? $250,000 per holder, per account
The Harvard State Bank FinancialsTotal Assets:
$303,474,000
Total Deposits:
$270,529,000
Equity Capital:
$19,942,000
Domestic Deposits:
$270,529,000
Net Income:
$297,000
Return on Assets:
0.4553%
Quarterly Return on Assets:
0.3900%
Pretax Return on Assets:
0.3975%
Pretax Quarterly Return on Assets:
0.4000%
Return on Equity:
8.1300%
Quarterly Return on Equity:
5.9100%
Common Equity Tier 1 Capital Ratio:
14.8945%
Tier 1 Risk-Based Capital Ratio:
14.8945%
Leverage Tier 1 (Core Capital) Ratio:
8.6748%
Total Risk-Based Capital Ratio (YTD):
15.9396%
Total Interest Income (YTD):
4.2742%
Headquarters:
Harvard
FDIC Field Office:
Chicago
Regulator:
FDIC
County:
Mchenry
# of Offices:
5
Metropolitan Statistical Area (MSA):
Chicago-Naperville-Elgin, IL-IN-WI
Consolidated Metropolitan Statistical Area (CMSA):
Chicago-Gary-Kenosha, IL-IN-WI
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals Credit card issuers are fighting back the recent credit card changes by charging higher interest rates, higher credit card balance transfer fees and even charging a minimum monthly finance charge.
Over the past ten years online banks have become more mainstream and usually offer higher CD rates on average than traditional brick and mortar banks. Granted the higher CD interest rates you can get at online banks are minimal these days since all deposit rates are very low but every basis point counts towards a higher return!
 Mortgage rates are lower following the plunge in 10 year Treasury yields. 10 year yields which were just below 2.40% on Friday are back down to 2.00%. 30 year mortgage rates which averaged 4.25% on Friday are now averaging 4.10%, down from yesterday's average 30 year mortgage rate of 4.18%. We can expect mortgage rates to continue to decline towards 4.00% this week. Current mortgage rates on 15 year mortgage loans are averaging 3.36%, a decline from yesterday’s average 15 year mortgage rate of 3.43%.
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Today's 12-month CD rates can be found at 4.00%, 6-month CD rates at 4.07% and 3-month CD rates at 0.10%. Current savings rates are at 0.11% and money market rates are at 0.25%. Mortgage rates today on 30-year fixed loans are around 6.42%. Credit Card rates are at 17.20%. Personal Loan rates are at 9.25%. All these rates, and more, can be found in our database of rates. 
