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Advertiser Disclosure
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 Thumb Bank and Trust Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 7, 2026
Thumb Bank and Trust's 30-Month CD rates are at 3.55%, 1 Year CD rates are at 2.02%, 5 Year CD rates are at 2.02%, 4 Year CD rates are at 1.76%, 3 Year CD rates are at 1.71%. Thumb Bank and Trust's savings rates are at 0.05%. Thumb Bank and Trust's money market rates are at 1.00%. Thumb Bank and Trust's 15 Year Fixed Rate rates are at 6.625%, 30 Year Fixed Rate rates are at 7.00%. Thumb Bank and Trust's top CD rate of 3.55% APY on a 30 month CD is 23% higher than the MonitorBankRates national average of 2.89% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Thumb Bank and Trust with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.17%. Rates last updated and verified on 11/07/2026. Thumb Bank and Trust 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 Thumb Bank and Trust? Share your experience about Thumb Bank and Trust by leaving a review below, or read customer reviews before you decide to use Thumb Bank and Trust. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Thumb Bank and Trust CD Rates
Thumb Bank and Trust Savings Rates
Thumb Bank and Trust Money Market Rates
Thumb Bank and Trust Mortgage Rates
Thumb Bank and Trust Other Rates
Financial Health HistoryThumb Bank and Trust’s Texas Ratio fell from 1.21% in Q3 2023 to 0.17% in Q2 2026, so its financial health has improved and is now 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
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Thumb Bank and Trust 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 Thumb Bank and Trust 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 Thumb Bank and Trust's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Thumb Bank and Trust
Website
https://www.thumb.bank/
Address
7254 Michigan Ave,
Pigeon, MI 48755 · Huron
Bank Holding Company
THUMB BCORP EMPLOYEE STK OWNERSHIP PLAN
FDIC Certificate #
14513
Regulator
FED
Established
January 1, 1895
FDIC Insurance Date
June 14, 1934
Domestic Offices
13
Total Branches
13
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.17%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.6468%
Return on Equity (ROE)
17.3600%
Non-Performing Loans Ratio (NPL)
0.02%
Total Assets
$673,292,000
Total Deposits
$595,812,000
Equity Capital
$64,162,000
Net Income
$5,601,000
Headquarters
Pigeon
Total Branches and Offices
13
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Thumb Bank and Trust
Frequently Asked Questions About Thumb Bank and TrustDoes Thumb Bank and Trust offer CDs?Yes. Thumb Bank and Trust current CD rates include its 30-Month CD at 3.55% APY, its 1 Year CD at 2.02% APY and its 5 Year CD at 2.02% APY, verified by MonitorBankRates as of November 7, 2026. Are CDs from Thumb Bank and Trust FDIC insured?Yes. Thumb Bank and Trust is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Thumb Bank and Trust?The highest Thumb Bank and Trust CD rate is its 30-Month CD at 3.55% APY, verified by MonitorBankRates as of November 7, 2026. What CD terms does Thumb Bank and Trust offer?Thumb Bank and Trust CD rates are 2.02% APY for a 12 month CD, 1.63% APY for an 18 month CD, 1.66% APY for a 2 year CD, 3.55% APY for a 30 month CD, 1.71% APY for a 3 year CD, 1.76% APY for a 4 year CD and 2.02% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Thumb Bank and Trust for its full lineup. What is the highest savings rate at Thumb Bank and Trust?The highest Thumb Bank and Trust savings rate is its Christmas/Vacation Club Savings Account at 0.05% APY, verified by MonitorBankRates as of November 7, 2026. What is the highest money market rate at Thumb Bank and Trust?The highest Thumb Bank and Trust money market rate is its Tiered Money Market Account at 1.00% APY, verified by MonitorBankRates as of November 7, 2026. What is the lowest 30 year fixed mortgage rate at Thumb Bank and Trust?The lowest Thumb Bank and Trust 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.00%, verified by MonitorBankRates as of November 7, 2026. Thumb Bank and Trust mortgage rates are 7.00% for a 30 year mortgage and 6.625% for a 15 year mortgage. How many branches does Thumb Bank and Trust operate?Thumb Bank and Trust currently maintains approximately 13 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, Thumb Bank and Trust 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, Thumb Bank and Trust provides members with tools to manage their accounts and build a solid financial history. Does Thumb Bank and Trust offer online and mobile banking?Most modern institutions like Thumb Bank and Trust 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.thumb.bank/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Thumb Bank and Trust rates compare?Thumb Bank and Trust's top CD rate of 3.55% APY on a 30 month CD is 23% higher than the MonitorBankRates national average of 2.89% APY for that term, and it has an A+ health rating. Thumb Bank and Trust's top rates are its 30-Month CD at 3.55% APY, its Christmas/Vacation Club Savings Account at 0.05% APY, its Tiered Money Market Account at 1.00% APY and its 15 Year Fixed Rate at 6.625%, verified by MonitorBankRates on November 7, 2026. Current Thumb Bank and Trust Rates
Retrieved from our database of financial products. Rates subject to change.
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