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Tri City National Bank

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Tri City National Bank Rates & Review November 2026

Q: What are the current interest rates at Tri City National Bank?

Current rates for Tri City National Bank include: 12-Month CD: 3.00%, 18-Month CD: 3.00%, 24-Month CD: 3.15%, 36-Month CD: 3.15%, 48-Month CD: 3.15%, 60-Month CD: 3.15%, Savings: 0.02%, MMA: 3.25%

Q: What CD terms does Tri City National Bank offer?

Tri City National Bank CD rates are 3.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.15% APY for a 2 year CD, 3.15% APY for a 30 month CD, 3.15% APY for a 3 year CD, 3.15% APY for a 4 year CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Tri City National Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Tri City National Bank's 24-Month CD rates are at 3.15%, 30-Month CD rates are at 3.15%, 36-Month CD rates are at 3.15%, 48-Month CD rates are at 3.15%, 60-Month CD rates are at 3.15%. Tri City National Bank's savings rates are at 0.02%. Tri City National Bank's money market rates are at 3.25%. Tri City National Bank's checking rates are as high as 0.03%. Tri City National Bank's 5 Year Adjustable Rate Mortgage (ARM) rates are at 6.50%, 30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer rates are at 6.75%, 7 Year Adjustable Rate Mortgage (ARM) rates are at 6.75%, 5 Year Construction Adjustable Rate Mortgage (ARM) rates are at 6.50%, 15 Year Fixed Rate Mortgage - Tri City Servicing rates are at 6.875%. Tri City National Bank's Auto Loan Rates are as low as 5.604%. Tri City National Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Tri City National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.17%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.17%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Tri City National Bank

6400 S 27th St
Oak Creek, WI 53154

https://www.tcnb.com

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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.

Tri City National Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
24-Month CD	3.10%	3.15%	24 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30-Month CD	3.10%	3.15%	30 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
36-Month CD	3.10%	3.15%	36 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
48-Month CD	3.10%	3.15%	48 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
60-Month CD	3.10%	3.15%	60 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
12-Month CD	2.95%	3.00%	12 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
18-Month CD	2.95%	3.00%	18 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
6-Month CD	2.95%	3.00%	6 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
3-Month CD	1.98%	2.00%	3 Months	$500
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Business CD Rates

Product	Rate	APY	Term	Min. Deposit
13-Month Personal or Business CD	3.92%	4.00%	13 months	$2,500
Min Deposit $2,500 Details Certificate of Deposit special; maximum $500,000 per primary customer tax identification number; Tri City National Bank checking account required; not available for IRAs; rates effective as of October 7, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80% Oct 14, 20264.00%▲ from 3.80% Sep 18, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
7-Month Personal or Business CD	3.73%	3.80%	7 months	$2,500
Min Deposit $2,500 Details Certificate of Deposit special; maximum $500,000 per primary customer tax identification number; Tri City National Bank checking account required; not available for IRAs; rates effective as of October 7, 2026 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60% Oct 14, 20263.80%▲ from 3.60% Sep 18, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Savings Rates

Product	Rate	APY	View More
Everyday Savings	0.02%	0.02%
Min Deposit $100 Min Balance $0 Details Balance: $0+ Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Money Market Rates

Product	Rate	APY
Money Market+	3.20%	3.25%
Min Deposit $250,000 Min Balance $2,000,000 Details Balance: $2,000,000 + Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 14, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market+	2.81%	2.85%
Min Deposit $250,000 Min Balance $1,000,000 Details Balance: $1,000,000 - $1,999,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.60% → 2.85% ▲ 0.25 pts · high 2.85% / low 2.60% Oct 14, 20262.85%▲ from 2.60% Sep 18, 20262.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market+	2.52%	2.55%
Min Deposit $250,000 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.30% → 2.55% ▲ 0.25 pts · high 2.55% / low 2.30% Oct 14, 20262.55%▲ from 2.30% Sep 18, 20262.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market+	2.22%	2.25%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00% Oct 14, 20262.25%▲ from 2.00% Sep 18, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	1.19%	1.20%
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000+ Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 1.00% → 1.20% ▲ 0.20 pts · high 1.20% / low 1.00% Oct 31, 20261.20%▲ from 1.10% Oct 14, 20261.10%▲ from 1.00% Sep 18, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market+	0.99%	1.00%
Min Deposit $250,000 Details Balance: Below $250,000 Last Updated 11/05/2026 Rate History 1 change since Sep 18, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Oct 14, 20261.00%▲ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	0.74%	0.75%
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 0.50% → 0.75% ▲ 0.25 pts · high 0.75% / low 0.50% Oct 31, 20260.75%▲ from 0.60% Oct 14, 20260.60%▲ from 0.50% Sep 18, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	0.49%	0.50%
Min Deposit $500 Min Balance $10,000 Details Balance: $10,000 to $49,999.99 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 0.25% → 0.50% ▲ 0.25 pts · high 0.50% / low 0.25% Oct 31, 20260.50%▲ from 0.35% Oct 14, 20260.35%▲ from 0.25% Sep 18, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	0.39%	0.40%
Min Deposit $500 Min Balance $1,500 Details Balance: $1,500 to $9,999.99 Last Updated 11/05/2026 Rate History 2 changes since Sep 18, 2026 · 0.20% → 0.40% ▲ 0.20 pts · high 0.40% / low 0.20% Oct 31, 20260.40%▲ from 0.30% Oct 14, 20260.30%▲ from 0.20% Sep 18, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Money Market	0.01%	0.01%
Min Deposit $500 Min Balance $0 Details Balance: Below $1,500.00 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Checking Rates

Product	Rate	APY
Advantage+ Checking	0.03%	0.03%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.03% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Advantage Checking	0.02%	0.02%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500+ Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Advantage Checking	0.01%	0.01%
Min Deposit $50 Details Balance: Below $1,500 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Advantage+ Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Balance: Below $5,000 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Mortgage Rates

Product	Rate	Points	APR	Term
5 Year Adjustable Rate Mortgage (ARM)	6.50%	0.000%	6.578%	5 Year
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 1, 2026 · 6.33% → 6.58% ▲ 0.25 pts · high 6.58% / low 6.33% Oct 20, 20266.58%▲ from 6.33% Oct 1, 20266.33%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer	6.75%	0.000%	6.829%	30 years
No additional details. Last Updated 11/05/2026 Rate History 2 changes since Sep 24, 2026 · 6.70% → 6.83% ▲ 0.13 pts · high 6.95% / low 6.70% Nov 5, 20266.83%▼ from 6.95% Oct 26, 20266.95%▲ from 6.70% Sep 24, 20266.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
7 Year Adjustable Rate Mortgage (ARM)	6.75%	0.000%	6.829%	7 Year
No additional details. Last Updated 11/05/2026 Rate History 1 change since Oct 1, 2026 · 6.58% → 6.83% ▲ 0.25 pts · high 6.83% / low 6.58% Oct 20, 20266.83%▲ from 6.58% Oct 1, 20266.58%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
5 Year Construction Adjustable Rate Mortgage (ARM)	6.50%	0.000	6.948%
Details Construction and Renovation Loans; Interest Rate 6.500%; APR 6.948%; Points 0.000% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.82% → 6.95% ▲ 0.13 pts · high 6.95% / low 6.82% Oct 26, 20266.95%▲ from 6.82% Oct 14, 20266.82%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
15 Year Fixed Rate Mortgage - Tri City Servicing	6.875%	0.000%	7.005%	15 years
No additional details. Last Updated 11/05/2026 Rate History 5 changes since Sep 24, 2026 · 6.75% → 7.01% ▲ 0.25 pts · high 7.38% / low 6.75% Nov 5, 20267.01%▲ from 6.88% Oct 26, 20266.88%▼ from 7.38% Oct 14, 20267.38%▲ from 7.19% Oct 7, 20267.19%▲ from 7.15% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
7 Year Construction Adjustable Rate Mortgage (ARM)	6.75%	0.000	7.205%
Details Construction and Renovation Loans; Interest Rate 6.750%; APR 7.205%; Points 0.000% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.08% → 7.21% ▲ 0.13 pts · high 7.21% / low 7.08% Oct 26, 20267.21%▲ from 7.08% Oct 14, 20267.08%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - Tri City Servicing	7.25%	0.125%	7.344%	30 years
No additional details. Last Updated 11/05/2026 Rate History 6 changes since Sep 24, 2026 · 7.22% → 7.34% ▲ 0.13 pts · high 7.62% / low 7.22% Nov 5, 20267.34%▲ from 7.33% Oct 26, 20267.33%▼ from 7.48% Oct 14, 20267.48%▼ from 7.61% Oct 7, 20267.61%▼ from 7.62% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - VA	7.25%	0.000%	7.507%
Details Government Loans Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 7.25% → 7.51% ▲ 0.25 pts · high 8.02% / low 7.25% Oct 31, 20267.51%▼ from 8.02% Oct 20, 20268.02%▲ from 7.25% Sep 15, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
30 Year Fixed Rate Mortgage - FHA	7.125%	0.000%	7.538%
Details Government Loans Last Updated 11/05/2026 Rate History 2 changes since Sep 15, 2026 · 7.28% → 7.54% ▲ 0.26 pts · high 7.67% / low 7.28% Oct 31, 20267.54%▼ from 7.67% Oct 20, 20267.67%▲ from 7.28% Sep 15, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
5 Year Fixed Rate Home Equity - Rapid Refinance	6.00%	-	6.00%	5 Year
Details Rates effective as of October 19, 2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.00% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
10 Year Fixed Rate Home Equity - Rapid Refinance	6.375%	-	6.375%	10 Year
Details Rates effective as of October 19, 2026 Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.38% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
HELOC	6.49%	-	6.49%
Details Intro rate 3.99% for 6 months; Interest Rate and APR shown are the post-intro rates Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 6.49% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
5 Year Home Equity Loan	6.875%	-	6.875%	5 years
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.88% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
10 Year Home Equity Loan	7.75%	-	7.75%	10 years
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.75% APR · checked 14 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - 2020-2025 Used	5.55%	-	5.604%	36 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.60% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2025-2026 New	5.55%	-	5.604%	36 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.60% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2020-2025 Used	5.90%	-	5.941%	48 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.94% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2025-2026 New	5.90%	-	5.941%	48 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 5.94% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2025-2026 New	6.15%	-	6.183%	60 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.18% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2020-2025 Used	6.40%	-	6.433%	60 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.43% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2025-2026 New	6.525%	-	6.553%	72 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.55% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Auto Loan - 2020-2025 Used	7.025%	-	7.053%	72 Months
Details Advertised APR for vehicle purchase loans; assumes excellent credit with Auto-Pay from a Tri City National Bank Checking Account; does not apply to motorcycles and RVs Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 7.05% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

Tri City National Bank Other Rates

Product	Rate	Points	APY/APR	Term
Certificates of Deposit - 12 Months	2.95%	-	3.00%	12 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 18 Months	2.95%	-	3.00%	18 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 24 Months	3.10%	-	3.15%	24 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 3 Months	1.98%	-	2.00%	3 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 30 Months	3.10%	-	3.15%	30 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 36 Months	3.10%	-	3.15%	36 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 48 Months	3.10%	-	3.15%	48 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 6 Months	2.95%	-	3.00%	6 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%
Certificates of Deposit - 60 Months	3.10%	-	3.15%	60 Months
Min Deposit $500 Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.17%

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

Tri City National Bank’s Texas Ratio fell from 5.48% in Q3 2023 to 4.17% 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 4.2 to 5.0 and its Health Grade from B+ to A+. 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	$2.0B	4.17%	5.0	A+
March 31, 2026	$2.0B	2.62%	5.0	A+
December 31, 2025	$2.0B	2.89%	5.0	A+
September 30, 2025	$1.9B	1.85%	5.0	A+
June 30, 2025	$1.9B	4.86%	5.0	A+
March 31, 2025	$1.8B	4.49%	5.0	A+
December 31, 2024	$1.9B	4.82%	5.0	A+
September 30, 2024	$2.0B	3.57%	5.0	A+
June 30, 2024	$2.0B	4.28%	5.0	A+
March 31, 2024	$2.0B	4.57%	5.0	A+
December 31, 2023	$2.1B	4.62%	4.9	A
September 30, 2023	$2.0B	5.48%	4.2	B+

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 Tri City National 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 Tri City National 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 Tri City National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Tri City National Bank

Website https://www.tcnb.com

Address 6400 S 27th St, Oak Creek, WI 53154 · Milwaukee

Bank Holding Company TRI CITY BANKSHARES CORP

FDIC Certificate # 18922

Regulator OCC

Established October 28, 1963

FDIC Insurance Date October 28, 1963

Domestic Offices 26

Total Branches 26

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.17%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8334%

Return on Equity (ROE)

8.8100%

Non-Performing Loans Ratio (NPL)

0.30%

Total Assets

$1,952,347,000

Total Deposits

$1,748,284,000

Equity Capital

$188,960,000

Net Income

$8,236,000

Headquarters

Oak Creek

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Tri City National Bank earned the Verified Healthy badge

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Frequently Asked Questions About Tri City National Bank

Does Tri City National Bank offer CDs?

Yes. Tri City National Bank current CD rates include its 24-Month CD at 3.15% APY, its 30-Month CD at 3.15% APY and its 36-Month CD at 3.15% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Tri City National Bank FDIC insured?

Yes. Tri City National 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 Tri City National Bank?

The highest Tri City National Bank CD rate is its 13-Month Personal or Business CD at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Tri City National Bank offer?

Tri City National Bank CD rates are 3.00% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.15% APY for a 2 year CD, 3.15% APY for a 30 month CD, 3.15% APY for a 3 year CD, 3.15% APY for a 4 year CD and 3.15% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Tri City National Bank for its full lineup.

What is the highest savings rate at Tri City National Bank?

The highest Tri City National Bank savings rate is its Everyday Savings at 0.02% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Tri City National Bank?

The highest Tri City National Bank money market rate is its Money Market+ at 3.25% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Tri City National Bank?

The highest Tri City National Bank checking rate is its Advantage+ Checking at 0.03% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest 30 year fixed mortgage rate at Tri City National Bank?

The lowest Tri City National Bank 30 year fixed mortgage rate is its 30 Year Fixed Rate Mortgage - WHEDA First-time Homebuyer at 6.75%, verified by MonitorBankRates as of November 5, 2026. Tri City National Bank mortgage rates are 6.75% for a 30 year mortgage, 6.875% for a 15 year mortgage, 6.75% for a 7 year mortgage and 6.50% for a 5 year mortgage.

What is the lowest auto loan rate at Tri City National Bank?

The lowest Tri City National Bank auto loan rate is its Auto Loan - 2020-2025 Used at 5.55%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Tri City National Bank operate?

Tri City National Bank currently maintains approximately 26 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, Tri City National 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, Tri City National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Tri City National Bank offer online and mobile banking?

Most modern institutions like Tri City National 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.tcnb.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 Tri City National Bank rates compare?

Tri City National Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Tri City National Bank's top rates are its 13-Months 13-Month Personal or Business CD at 4.00% APY, its Everyday Savings at 0.02% APY, its Money Market+ at 3.25% APY, its Advantage+ Checking at 0.03% APY, its 5 Year Adjustable Rate Mortgage (ARM) at 6.50% and its Auto Loan - 2020-2025 Used at 5.604% APR, verified by MonitorBankRates on November 5, 2026.

Current Tri City National Bank Rates

12-Month CD3.00%
18-Month CD3.00%
24-Month CD3.15%
36-Month CD3.15%
48-Month CD3.15%
60-Month CD3.15%
Savings0.02%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

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Tri City National Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Tri City National Bank Texas Ratio

Tri City National Bank Health Trend

Tri City National Bank CD Rates

Tri City National Bank Business CD Rates

Tri City National Bank Savings Rates

Tri City National Bank Money Market Rates

Tri City National Bank Checking Rates

Tri City National Bank Mortgage Rates

Tri City National Bank Home Equity & HELOC

Tri City National Bank Auto Loan Rates

Tri City National Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Tri City National Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Tri City National Bank

Does Tri City National Bank offer CDs?

Are CDs from Tri City National Bank FDIC insured?

What is the highest CD rate at Tri City National Bank?

What CD terms does Tri City National Bank offer?

What is the highest savings rate at Tri City National Bank?

What is the highest money market rate at Tri City National Bank?

What is the highest checking rate at Tri City National Bank?

What is the lowest 30 year fixed mortgage rate at Tri City National Bank?

What is the lowest auto loan rate at Tri City National Bank?

How many branches does Tri City National Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Tri City National Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Tri City National Bank rates compare?

Current Tri City National Bank Rates

Compare to Other Banks