What are the current interest rates at Total Direct Bank?

Current rates for Total Direct Bank include: 12-Month CD: 4.00%, 24-Month CD: 3.75%, 36-Month CD: 3.76%, 60-Month CD: 3.76%, MMA: 4.01%

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Total Direct Bank

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Total Direct Bank Rates & Review September 2026

Q: How many branches does Total Direct Bank operate?

Total Direct Bank currently maintains approximately 30 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Total Direct 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Total Direct 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 18, 2026

Total Direct Bank's 12-Months 12-month online CD rates are at 4.00%, 3-Months 3-month online CD rates are at 4.00%, 6-Months 6-month online CD rates are at 4.00%, 36-Months 36-month online CD rates are at 3.76%, 60-Months 60-month online CD rates are at 3.76%. Total Direct Bank's money market rates are at 4.01%. MonitorBankRates evaluates the financial stability of Total Direct Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.12%. Rates last updated and verified on 09/18/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.12%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Total Direct Bank

25 W Flagler St
Miami, FL 33130

https://www.totaldirectbank.com

Total Direct Bank CD Rates

Product	Rate	APY	Term
12-month online CD	3.92%	4.00%	12 months
Min Deposit $25,000 Details The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
3-month online CD	3.92%	4.00%	3 months
Min Deposit $25,000 Details Available for current 3-Month CD clients only. The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
6-month online CD	3.92%	4.00%	6 months
Min Deposit $25,000 Details The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
36-month online CD	3.69%	3.76%	36 months
Min Deposit $25,000 Details The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
60-month online CD	3.69%	3.76%	60 months
Min Deposit $25,000 Details The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%
24-month online CD	3.68%	3.75%	24 months
Min Deposit $25,000 Details The advertised interest rates and Annual Percentage Yields (APY) are effective as of December 17th, 2025 and are subject to change daily without notice. The maximum amount allowed per client is $1,000,000. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

Total Direct Bank Money Market Rates

Product	Rate	APY	View More
Online Money Market Deposit Account	-	4.01%
Min Deposit $25,000 Min Balance $2,500 Details Balances $2,500 and over; Balances of $2,500 - $249,999.99; Balances of $250,000 or more Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.12%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Total Direct Bank’s Texas Ratio rose from 6.04% in Q3 2023 to 7.12% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$29.1B	7.12%	5.0	A
March 31, 2026	$28.6B	7.59%	5.0	A
December 31, 2025	$28.0B	6.87%	5.0	A
September 30, 2025	$27.8B	7.94%	5.0	A
June 30, 2025	$27.1B	5.25%	5.0	A+
March 31, 2025	$27.2B	5.38%	5.0	A+
December 31, 2024	$26.5B	5.77%	5.0	A+
September 30, 2024	$26.2B	5.16%	5.0	A+
June 30, 2024	$26.2B	4.93%	5.0	A+
March 31, 2024	$26.1B	4.89%	5.0	A+
December 31, 2023	$26.1B	3.42%	5.0	A+
September 30, 2023	$26.0B	6.04%	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 Total Direct 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 Total Direct 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 Total Direct Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Total Direct Bank

Bank Holding Company EMPRESAS JUAN YARUR SPA

Address 25 W Flagler St, Miami, FL 33130 · Miami-Dade

Website https://www.totaldirectbank.com

FDIC Certificate # 20234

Established 19700812

FDIC Insurance Date 19700812

Domestic Offices 30

Total Branches 30

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.12%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2418%

Return on Equity (ROE) 11.8600%

Non-Performing Loans (NPL) 0.57%

Total Assets $29,112,337,000

Total Deposits $22,105,271,000

Equity Capital $3,086,294,000

Net Income $177,550,000

Headquarters Miami

Total Branches and Offices 30

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Total Direct Bank earned the Verified Healthy badge

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Frequently Asked Questions About Total Direct Bank

How many branches does Total Direct Bank operate?

Total Direct Bank currently maintains approximately 30 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, Total Direct 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, Total Direct Bank provides members with tools to manage their accounts and build a solid financial history.

Does Total Direct Bank offer online and mobile banking?

Most modern institutions like Total Direct 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.totaldirectbank.com.