What are the current interest rates at Town & Country Bank Salem, MO?

Current rates for Town & Country Bank Salem, MO include: 18-Month CD: 2.05%, Savings: 0.04%, MMA: 0.05%

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Town & Country Bank Salem, MO

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Town & Country Bank Salem, MO Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Town & Country Bank Salem, MO 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 14, 2026

Town & Country Bank Salem, MO's 15-Month CD rates are at 3.96%, 7-Month CD rates are at 3.82%, 18-Month Variable CD rates are at 2.05%, Dream Builder CD 15-Month Variable rates are at 1.92%. Town & Country Bank Salem, MO's savings rates are at 0.04%. Town & Country Bank Salem, MO's money market rates are at 0.05%. MonitorBankRates evaluates the financial stability of Town & Country Bank Salem, MO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.20%. Rates last updated and verified on 09/14/2026.

Town & Country Bank Salem, MO 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 Town & Country Bank Salem, MO? Share your experience about Town & Country Bank Salem, MO by leaving a review below, or read customer reviews before you decide to use Town & Country Bank Salem, MO.

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

2.20%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Town & Country Bank

1009 E. Scenic Rivers Blvd.
Salem, MO 65560

https://www.tcbanks.com

Town & Country Bank Salem, MO CD Rates

Product	Rate	APY	Term
15 Month CD	3.90%	3.96%	15 Month
Min Deposit $1,000 Min Balance $1,000 Details Interest Compounded Quarterly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
7 Month CD	3.75%	3.82%	7 Month
Min Deposit $1,000 Min Balance $1,000 Details Interest Compounded Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
18 Month Variable CD	2.03%	2.05%	18 Month Variable
Min Deposit $1,000 Min Balance $1,000 Details Interest Compounded Quarterly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Dream Builder CD 15 Month Variable	1.90%	1.92%	15 Month Variable
Min Deposit $250 Min Balance $250 Details Interest Compounded Monthly Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Town & Country Bank Salem, MO Savings Rates

Product	Rate	APY
Health Savings Accounts	0.25%	0.25%
Min Balance $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts	0.25%	0.25%
Min Balance $5,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts	0.25%	0.25%
Min Balance $10,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Health Savings Accounts	0.11%	0.11%
Min Deposit $0 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
Smart Savings	0.04%	0.04%
Min Deposit $25 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Town & Country Bank Salem, MO Money Market Rates

Product	Rate	APY
PREMIUM GOLD Money Market	1.41%	1.42%
Min Balance $100,000 Details Balance: $100,000 -- and above Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
PREMIUM GOLD Money Market	1.12%	1.13%
Min Balance $25,000 Details Balance: $25,000 -- $99,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
PREMIUM GOLD Money Market	0.92%	0.92%
Min Balance $10 Details Balance: $10.000 -- $24,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
PREMIUM GOLD Money Market	0.71%	0.71%
Min Deposit $10,000 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
MONEY MARKET	0.17%	0.17%
Min Balance $25,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
MONEY MARKET	0.15%	0.15%
Min Balance $10 Details Balance: $10.000 -- $24,999.99 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
MONEY MARKET	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Town & Country Bank Salem, MO Checking Rates

Product	Rate	APY
E-Vantage Plus Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%
E-Vantage Plus Checking	0.03%	0.05%
Min Balance $50,000 Details Balance: Dollar Amount Exceeding $50,000.00 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

Town & Country Bank Salem, MO Other Rates

Product	Rate	Points	APY/APR	Term	View More
SENIOR CLASS	0.04%	-	0.04%
Min Deposit $50 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.20%

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

Town & Country Bank Salem, MO’s Texas Ratio fell from 4.03% in Q3 2023 to 2.20% 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

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	$748M	2.20%	5.0	A+
March 31, 2026	$761M	2.51%	5.0	A+
December 31, 2025	$722M	2.20%	5.0	A+
September 30, 2025	$739M	2.27%	5.0	A+
June 30, 2025	$746M	2.01%	5.0	A+
March 31, 2025	$740M	2.97%	5.0	A+
December 31, 2024	$706M	3.07%	5.0	A+
September 30, 2024	$712M	3.32%	5.0	A+
June 30, 2024	$695M	3.50%	5.0	A+
March 31, 2024	$698M	3.04%	5.0	A+
December 31, 2023	$666M	3.01%	5.0	A+
September 30, 2023	$660M	4.03%	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 Town & Country Bank Salem, MO 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 Town & Country Bank Salem, MO 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 Town & Country Bank Salem, MO's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Town & Country Bank Salem, MO

Bank Holding Company TOWN&COUNTRY BANCSHARES INC

Address 1009 E. Scenic Rivers Blvd., Salem, MO 65560 · Dent

Website https://www.tcbanks.com

FDIC Certificate # 13071

Established 18940101

FDIC Insurance Date 19340101

Domestic Offices 10

Total Branches 10

Regulator FED

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

2.20%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.5306%

Return on Equity (ROE) 23.7600%

Non-Performing Loans (NPL) 0.24%

Total Assets $747,729,000

Total Deposits $642,229,000

Equity Capital $81,342,000

Net Income $9,406,000

Headquarters Salem

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Town & Country Bank Salem, MO earned the Verified Healthy badge

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Frequently Asked Questions About Town & Country Bank Salem, MO

How many branches does Town & Country Bank Salem, MO operate?

Town & Country Bank Salem, MO currently maintains approximately 10 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, Town & Country Bank Salem, MO 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, Town & Country Bank Salem, MO provides members with tools to manage their accounts and build a solid financial history.

Does Town & Country Bank Salem, MO offer online and mobile banking?

Most modern institutions like Town & Country Bank Salem, MO 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.tcbanks.com.