What are the current interest rates at The Honesdale National Bank?

Current rates for The Honesdale National Bank include: 12-Month CD: 0.40%, 18-Month CD: 4.00%, 24-Month CD: 0.60%, 36-Month CD: 0.70%, 48-Month CD: 0.75%, 60-Month CD: 0.85%, Savings: 2.01%

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The Honesdale National Bank

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The Honesdale National Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Honesdale National Bank 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: September 19, 2026

The Honesdale National Bank's 18-Months 18-Month CD Special rates are at 4.00%, 10-Months 10-Month CD Special rates are at 3.84%, 60-Month IRA rates are at 0.85%, 60-Months & Longer 60-Month Regular CDs rates are at 0.85%, 48-Months 48-Month Regular CDs rates are at 0.75%. The Honesdale National Bank's savings rates are at 2.01%. MonitorBankRates evaluates the financial stability of The Honesdale National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.92%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.92%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Honesdale National Bank

733 Main St
Honesdale, PA 18431

https://www.hnbbank.bank

The Honesdale National Bank CD Rates

Product	Rate	APY	Term
18 Month CD Special	-	4.00%	18 Months
Details Published APY range: 4.00% - 4.01%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
10 Month CD Special	-	3.84%	10 Months
Details Published APY range: 3.84% - 3.85%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
60 Month IRA	-	0.85%	60 Month IRA
Details Published APY range: 0.85% - 0.85%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
60 Month Regular CDs	-	0.85%	60 Months & Longer
Details Published APY range: 0.85% - 0.85%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
48 Month Regular CDs	-	0.75%	48 Months
Details Published APY range: 0.75% - 0.75%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
36 Month Regular CDs	-	0.70%	36 Months
Details Published APY range: 0.70% - 0.70%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
24 Month Regular CDs	-	0.60%	24 Months
Details Published APY range: 0.60% - 0.60%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
12 Month Regular CDs	-	0.50%	12 Months
Details Published APY range: 0.50% - 0.50%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
12 Month Flex CDs	-	0.40%	12 Months
Details Published APY range: 0.40% - 0.40%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month Regular CDs	-	0.40%	6 Months
Details Published APY range: 0.40% - 0.40%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
3 Month Regular CDs	-	0.35%	3 Months
Details Published APY range: 0.35% - 0.35%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
6 Month Flex CDs	-	0.30%	6 Months
Details Published APY range: 0.30% - 0.30%. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

The Honesdale National Bank Savings Rates

Product	Rate	APY
Premier Savings	2.50%	2.52%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%
Select Savings	2.00%	2.01%
No additional details. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

The Honesdale National Bank Checking Rates

Product	Rate	APY	View More
Interest Checking	0.10%	0.10%
Min Deposit $1,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

The Honesdale National Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Statement Saving	0.10%	-	0.10%
Min Deposit $100 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.92%

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.
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Financial Health History

The Honesdale National Bank’s Texas Ratio rose from 1.17% in Q3 2023 to 1.92% 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 5.0 to 5.0. 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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	1.92%	5.0	A+
March 31, 2026	$1.2B	2.31%	5.0	A+
December 31, 2025	$1.1B	1.73%	5.0	A+
September 30, 2025	$1.1B	1.70%	5.0	A+
June 30, 2025	$1.1B	2.13%	5.0	A+
March 31, 2025	$1.1B	1.79%	5.0	A+
December 31, 2024	$1.0B	1.35%	5.0	A+
September 30, 2024	$1.0B	1.20%	5.0	A+
June 30, 2024	$978M	1.31%	5.0	A+
March 31, 2024	$961M	0.96%	5.0	A+
December 31, 2023	$963M	0.93%	5.0	A+
September 30, 2023	$963M	1.17%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for The Honesdale National Bank 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 The Honesdale National Bank 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 The Honesdale National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Honesdale National Bank

Bank Holding Company HONAT BCORP INC

Address 733 Main St, Honesdale, PA 18431 · Wayne

Website https://www.hnbbank.bank

FDIC Certificate # 7526

Established 18361226

FDIC Insurance Date 19340101

Domestic Offices 15

Total Branches 15

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5003%

Return on Equity (ROE) 11.4400%

Non-Performing Loans (NPL) 0.19%

Total Assets $1,168,760,000

Total Deposits $993,302,000

Equity Capital $153,705,000

Net Income $8,619,000

Headquarters Honesdale

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Honesdale National Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Customer Reviews

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Frequently Asked Questions About The Honesdale National Bank

How many branches does The Honesdale National Bank operate?

The Honesdale National Bank currently maintains approximately 15 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, The Honesdale National Bank 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, The Honesdale National Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Honesdale National Bank offer online and mobile banking?

Most modern institutions like The Honesdale National Bank 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.hnbbank.bank.