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Toyota Financial Savings Bank Rates & Review November 2026

Toyota Financial Savings Bank's 60-Month CD rates are at 5.25%, 48-Month CD rates are at 5.20%, 36-Month CD rates are at 5.10%, 24-Month CD rates are at 4.99%, 18-Month CD rates are at 4.84%. Toyota Financial Savings Bank's money market rates are at 2.78%. Toyota Financial Savings Bank's top CD rate of 5.25% APY on a 5 year CD is 79% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Toyota Financial Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.12%. Rates last updated and verified on 11/06/2026.

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

MonitorBankRates Verified Healthy Badge 2026 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 ?
1.12%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Toyota Financial Savings Bank
2485 Village View Dr
Henderson, NV 89074
https://www.toyotabank.com
MemberFDIC
Customer Reviews
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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.

Toyota Financial Savings Bank CD Rates

Product Rate APY Term Min. Deposit View More
60-Month CD 5.15% 5.25% 60 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 5.25% APY · checked 4 times
4.75%5.25%5.75%Oct 21, 2026: 5.25% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
48-Month CD 5.10% 5.20% 48 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 5.20% APY · checked 4 times
4.70%5.20%5.70%Oct 21, 2026: 5.20% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
36-Month CD 5.00% 5.10% 36 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 5.10% APY · checked 4 times
4.60%5.10%5.60%Oct 21, 2026: 5.10% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
24-Month CD 4.90% 4.99% 24 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 4.99% APY · checked 4 times
4.49%4.99%5.49%Oct 21, 2026: 4.99% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
18-Month CD 4.75% 4.84% 18 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 4.84% APY · checked 4 times
4.34%4.84%5.34%Oct 21, 2026: 4.84% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
12-Month CD 4.60% 4.68% 12 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 4.68% APY · checked 4 times
4.18%4.68%5.18%Oct 21, 2026: 4.68% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
6-Month CD 3.80% 3.85% 6 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 21, 2026: 3.85% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
3-Month CD 3.65% 3.70% 3 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Oct 21, 2026: 3.70% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
1-Month CD 2.25% 2.27% 1 Month $1
Min Deposit $1
Min Balance $0
Details Interest rate and APY are fixed for the initial term; early withdrawal penalty applies
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.27% APY · checked 4 times
1.77%2.27%2.77%Oct 21, 2026: 2.27% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%

Toyota Financial Savings Bank Money Market Rates

Product Rate APY View More
Personal Money Market Deposit Account 2.75% 2.78%
Min Deposit $500
Min Balance $100,000
Details Balance: $100,000 - $999,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Oct 21, 2026: 2.78% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market Deposit Account 2.75% 2.78%
Min Deposit $500
Min Balance $1,000,000
Details Balance: $1,000,000 & above
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.78% APY · checked 4 times
2.28%2.78%3.28%Oct 21, 2026: 2.78% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market Deposit Account 2.35% 2.38%
Min Deposit $500
Min Balance $0
Details Balance: $0.01 - $9,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.38% APY · checked 4 times
1.88%2.38%2.88%Oct 21, 2026: 2.38% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%
Personal Money Market Deposit Account 2.35% 2.38%
Min Deposit $500
Min Balance $10,000
Details Balance: $10,000 - $99,999.99
Last Updated 11/06/2026
Rate History
No change since Oct 21, 2026 · 2.38% APY · checked 4 times
1.88%2.38%2.88%Oct 21, 2026: 2.38% APYOct 21, 2026Nov 9, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 1.12%

Financial Health History

Toyota Financial Savings Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.12% 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.

0% 1.0★ 0.4% 2.0★ 0.8% 3.0★ 1.1% 4.0★ 1.5% 5.0★ Healthy zone – entire history below the 15% limit 0.00% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 1.12% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$16.8B1.12%5.0A+
March 31, 2026$16.1B0.82%5.0A+
December 31, 2025$15.4B0.63%5.0A+
September 30, 2025$13.9B0.46%5.0A+
June 30, 2025$11.8B0.12%5.0A+
March 31, 2025$9.2B0.00%5.0A+
December 31, 2024$7.2B0.00%5.0A+
September 30, 2024$6.9B0.00%5.0A+
June 30, 2024$6.3B0.06%5.0A+
March 31, 2024$6.0B0.06%5.0A+
December 31, 2023$5.6B0.06%5.0A+
September 30, 2023$5.5B0.00%5.0A+
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 Toyota Financial Savings 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 Toyota Financial Savings 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 Toyota Financial Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Toyota Financial Savings Bank
Address 2485 Village View Dr, Henderson, NV 89074  ·  Clark
FDIC Certificate # 57542
Regulator FDIC
Established August 16, 2004
FDIC Insurance Date August 16, 2004
Domestic Offices 1
Total Branches 1
FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.12%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.3925%
Return on Equity (ROE)
3.8800%
Non-Performing Loans Ratio (NPL)
0.11%
Total Assets
$16,786,286,000
Total Deposits
$14,280,397,000
Equity Capital
$1,713,746,000
Net Income
$31,606,000
Headquarters
Henderson
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Toyota Financial Savings 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, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Toyota Financial Savings Bank yet. Feel free to create one below.
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0
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Frequently Asked Questions About Toyota Financial Savings Bank

Does Toyota Financial Savings Bank offer CDs?

Yes. Toyota Financial Savings Bank current CD rates include its 60-Month CD at 5.25% APY, its 48-Month CD at 5.20% APY and its 36-Month CD at 5.10% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Toyota Financial Savings Bank FDIC insured?

Yes. Toyota Financial Savings Bank 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 Toyota Financial Savings Bank?

The highest Toyota Financial Savings Bank CD rate is its 60-Month CD at 5.25% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Toyota Financial Savings Bank offer?

Toyota Financial Savings Bank CD rates are 4.68% APY for a 12 month CD, 4.84% APY for an 18 month CD, 4.99% APY for a 2 year CD, 5.10% APY for a 3 year CD, 5.20% APY for a 4 year CD and 5.25% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Toyota Financial Savings Bank for its full lineup.

What is the highest money market rate at Toyota Financial Savings Bank?

The highest Toyota Financial Savings Bank money market rate is its Personal Money Market Deposit Account at 2.78% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Toyota Financial Savings Bank operate?

Toyota Financial Savings Bank currently maintains approximately 1 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, Toyota Financial Savings 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, Toyota Financial Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Toyota Financial Savings Bank offer online and mobile banking?

Most modern institutions like Toyota Financial Savings 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.toyotabank.com.

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 Toyota Financial Savings Bank rates compare?

Toyota Financial Savings Bank's top CD rate of 5.25% APY on a 5 year CD is 79% higher than the MonitorBankRates national average of 2.93% APY for that term, and it has an A+ health rating. Toyota Financial Savings Bank's top rates are its 60-Month CD at 5.25% APY and its Personal Money Market Deposit Account at 2.78% APY, verified by MonitorBankRates on November 6, 2026.

Current Toyota Financial Savings Bank Rates

  • 12-Month CD4.68%
  • 18-Month CD4.84%
  • 24-Month CD4.99%
  • 36-Month CD5.10%
  • 48-Month CD5.20%
  • 60-Month CD5.25%
  • MMA2.78%
Retrieved from our database of financial products. Rates subject to change.