The State Bank of Bern CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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The State Bank of BernToday's 12-month CD rates can be found at 3.50%, 6-month CD rates at 1.41% and 3-month CD rates at 0.25%. Current savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates today on 30-year fixed loans are around 7.01%. Credit Card rates are at 14.90%. Personal Loan rates are at 9.00%. All these rates, and more, can be found in our database of rates.

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

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

The State Bank of Bern Texas Ratio

The State Bank of Bern's Texas Ratio is at 3.26%, which is considered excellent. The Texas Ratio for The State Bank of Bern 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 State Bank of Bern is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
The State Bank of Bern
402 Main St
Bern, KS 66408
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare The State Bank of Bern Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Merrick Bank
Merrick Bank
24-Month CD
4.10%
$25,000
Act 1st Federal Credit Union
Act 1st Federal Credit Union
18-Month CD
4.07%
$500
Luana Savings Bank
Luana Savings Bank
60-Month CD
3.73%
$2,000
Franklin SB Farmington, ME
Franklin SB Farmington, ME
12-Month CD
3.65%
$500
ESSA Bank & Trust
ESSA Bank & Trust
60-Month CD
3.60%
$1,000
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
60-Month CD
3.53%
$1,000
Kirkwood Bank & Trust Co.
Kirkwood Bank & Trust Co.
18-Month CD
3.51%
$2,500
First Missouri State Bank of Cape County
First Missouri State Bank of Cape County
18-Month CD
3.50%
$1,000
Heritage Bank of St Tammany
Heritage Bank of St Tammany
60-Month CD
3.30%
$500
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
36-Month CD
3.28%
$1,000
Freedom Bank of Southern Missouri
Freedom Bank of Southern Missouri
36-Month CD
3.24%
$1,000
Tipton Latham Bank
Tipton Latham Bank
12-Month CD
3.00%
$500
StonehamBank
StonehamBank
18-Month CD
3.00%
$1,000
The Grant County Bank
The Grant County Bank
36-Month CD
2.95%
$500
Kitsap Bank
Kitsap Bank
48-Month CD
2.75%
$500
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
18-Month CD
2.63%
$100
Pineries Bank
Pineries Bank
12-Month CD
2.60%
$1,000
TFB Tecumseh Federal Bank
TFB Tecumseh Federal Bank
12-Month CD
2.52%
$500
Farmers Savings Bank Mineral Point, WI
Farmers Savings Bank Mineral Point, WI
12-Month CD
2.50%
$2,500
First State B&T Williston, ND
First State B&T Williston, ND
60-Month CD
2.40%
$500
Vast Bank
Vast Bank
18-Month CD
2.25%
$1,000
5Star Bank
5Star Bank
48-Month CD
2.25%
$1,000
Grand Timber Bank
Grand Timber Bank
24-Month CD
2.22%
$500
Forward Bank
Forward Bank
60-Month CD
2.06%
$500
Bank of Wolcott
Bank of Wolcott
24-Month CD
1.96%
$5,000
First Mutual Bank, FSB
First Mutual Bank, FSB
48-Month CD
1.45%
$500
NCS Bank
NCS Bank
36-Month CD
1.26%
$500
Farmers State Bank Elmwood, IL
Farmers State Bank Elmwood, IL
Pioneer Peak Money Market
0.80%
$1,000
PSB Provident Savings Bank
PSB Provident Savings Bank
36-Month CD
0.63%
$1,000
First National Bank of Steeleville
First National Bank of Steeleville
Money Market
0.60%
$250,000
First National Bank in Pinckneyville
First National Bank in Pinckneyville
36-Month CD
0.50%
$500
Century Next Bank
Century Next Bank
Regular Savings
0.50%
$50
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
48-Month CD
0.45%
$1,000
FNB of Elmer
FNB of Elmer
36-Month CD
0.45%
$500
5 Star Bank
5 Star Bank
24-Month CD
0.40%
$500
Eastern Connecticut Savings Bank
Eastern Connecticut Savings Bank
12-Month CD
0.35%
$500
Jefferson Security Bank
Jefferson Security Bank
Rewards Checking
0.25%
$0
Tompkins Community Bank
Tompkins Community Bank
18-Month CD
0.25%
$1,000
Dime Bank
Dime Bank
36-Month CD
0.25%
$500
Collins State Bank
Collins State Bank
Money Market
0.15%
$1,000
FNB of Absecon
FNB of Absecon
18-Month CD
0.15%
$0
State Bank Spirit Lake, IA
State Bank Spirit Lake, IA
Money Market
0.15%
$1,000
First Citizens Bank
First Citizens Bank
60-Month CD
0.15%
$500
Liberty Savings Bank
Liberty Savings Bank
Checking
0.14%
$0
Manasquan Bank
Manasquan Bank
Anchor Checking
0.10%
$50
Kitsap Bank
Kitsap Bank
Statement Savings
0.05%
$100
Citi
Citi
Citi Savings
0.03%
$0
Fifth Third Bank, N.A.
Fifth Third Bank, N.A.
18-Month CD
0.01%
$500
Solvay Bank
Solvay Bank
Statement Savings
0.01%
$1
Premier Bank
Premier Bank
6-Month CD
0.00%
$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 July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
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.

Our apologies, we do not have The State Bank of Bern rate data right now, check back for updates, we are adding rates all the time.

The State Bank of Bern Information

The State Bank of Bern
402 Main St
Bern, KS 66408
Nemaha
Established Date: 05/04/1889
FDIC Certificate #: 10919
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: BERN BANCSHARES INC
How Many Domestic U.S. Offices? 2
How Many Branches are There? 2
Is The State Bank of Bern FDIC Insured? Yes
What is The State Bank of Bern's Cert number? 10919
What is the maximum amount for insured deposits? $250,000 per holder, per account

The State Bank of Bern Financials

Total Assets:
$115,935,000
Total Deposits:
$97,972,000
Equity Capital:
$17,299,000
Domestic Deposits:
$97,972,000
Net Income:
$400,000
Return on Assets:
1.3814%
Quarterly Return on Assets:
1.4100%
Pretax Return on Assets:
1.6948%
Pretax Quarterly Return on Assets:
1.6900%
Return on Equity:
9.5800%
Quarterly Return on Equity:
9.3000%
Leverage Tier 1 (Core Capital) Ratio:
17.6596%
Total Interest Income (YTD):
4.3787%
 
 
Headquarters:
Bern
FDIC Field Office:
Kansas City
Regulator:
FDIC
County:
Nemaha
# of Offices:
2
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

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