What are the current interest rates at Warren-Boynton State Bank?

Current rates for Warren-Boynton State Bank include: 12-Month CD: 1.76%, 18-Month CD: 2.52%, 24-Month CD: 2.56%, 36-Month CD: 3.53%, 48-Month CD: 3.58%, 60-Month CD: 3.63%, Savings: 1.46%, MMA: 2.02%

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Warren-Boynton State Bank

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Warren-Boynton State Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Warren-Boynton State 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: October 12, 2026

Warren-Boynton State Bank's top rates as of October 12, 2026 are 3.99% APY on its 12-Months 12-Month CD, 1.46% APY on savings, and 2.02% APY on money market accounts, according to rates verified by MonitorBankRates. Other Warren-Boynton State Bank CD rates include 15-Months 15-Month CD at 3.89%, 60-Months 60-Month CD at 3.63%, and 48-Months 48-Month CD at 3.58%. MonitorBankRates evaluates the financial stability of Warren-Boynton State Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.61%. Rates last updated and verified on 10/12/2026.

Warren-Boynton State 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 Warren-Boynton State Bank? Share your experience about Warren-Boynton State Bank by leaving a review below, or read customer reviews before you decide to use Warren-Boynton State Bank.

Verified Healthy Q2 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

2.61%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Warren-Boynton State Bank

702 W Illinois St
New Berlin, IL 62670

https://www.wbsb.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.

Warren-Boynton State Bank CD Rates

Product	Rate	APY	Term
12 Month CD	3.95%	3.99%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.99% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
15 Month CD	3.85%	3.89%	15 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.89% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
60 Month CD	3.60%	3.63%	60 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.63% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
48 Month CD	3.55%	3.58%	48 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.58% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
24 Month CD	3.50%	3.53%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
30 Month CD	3.50%	3.53%	30 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
36 Month CD	3.50%	3.53%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.53% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
18 Month CD	3.22%	3.25%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
21 Month CD	3.22%	3.25%	21 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
6 Month CD	2.75%	2.78%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.78% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
IRA - 24 Month Fixed CD	2.55%	2.56%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.56% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
3 Month CD	2.50%	2.52%	3 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
IRA - 18 Month Variable CD	2.50%	2.52%	18 Months
Min Deposit $100 Min Balance $100 Details Rate may change after the account is opened. Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.52% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
IRA - 12 Month Fixed CD	1.75%	1.76%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
7 Month CD	0.30%	0.30%	7 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
7 to 31 Day CD	0.15%	0.15%	7 - 31 Days
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Warren-Boynton State Bank Savings Rates

Product	Rate	APY
Health Savings Account	1.45%	1.46%
Min Deposit $25 Details Required Balance to Earn the Annual Percentage Yield Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 1.46% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Passbook Savings	0.20%	0.20%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Warren-Boynton State Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.20%	0.20%
Min Deposit $25 Min Balance $100 Details $3 service fee if balance falls below $100.00 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Warren-Boynton State Bank Money Market Rates

Product	Rate	APY
Money Market Accounts	-	2.02%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market Accounts	-	1.61%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.61% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market Accounts	-	1.11%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.11% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market Accounts	-	0.75%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market Accounts	-	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Money Market Accounts	-	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

Warren-Boynton State Bank Other Rates

Product	Rate	Points	APY/APR
Business Interest Bearing Account	0.20%	-	0.20%
Min Deposit $1,500 Min Balance $1,500 Details A $10 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average balance of $3,000.00 for the monthly statement cycle. $.20 per check in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
Interest Bearing Account	0.20%	-	0.20%
Min Deposit $1,500 Min Balance $1,500 Details A $10 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $1,500.00 or a minimum average daily balance of $3,000.00 for the monthly statement cycle. $.20 per check in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
WB Business Interest Bearing Account	0.20%	-	0.20%
Min Deposit $2,500 Min Balance $2,500 Details Monthly Charges: A $12.50 minimum balance fee will be imposed every monthly statement cycle unless you maintain either a minimum daily balance of $2,500.00 or a minimum average daily balance of $5,000.00 for the monthly statement cycle. $.20 per check in excess of twenty-five (25) checks per statement cycle. The fee will not apply if you maintain a $5,000 average daily balance for the statement cycle. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%
WB Interest Bearing Account	0.25%	-	0.25%
Min Deposit $2,500 Min Balance $2,500 Details Minimum daily balance $2,500 to earn APY; no upper tier Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.61%

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

Warren-Boynton State Bank’s Texas Ratio rose from 1.80% in Q3 2023 to 2.61% 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.

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	$235M	2.61%	5.0	A+
March 31, 2026	$238M	2.09%	5.0	A+
December 31, 2025	$231M	1.76%	5.0	A+
September 30, 2025	$251M	1.87%	5.0	A+
June 30, 2025	$250M	2.30%	5.0	A+
March 31, 2025	$259M	2.16%	5.0	A+
December 31, 2024	$249M	2.53%	5.0	A+
September 30, 2024	$251M	2.56%	5.0	A+
June 30, 2024	$248M	3.58%	5.0	A+
March 31, 2024	$250M	4.51%	5.0	A+
December 31, 2023	$248M	1.14%	5.0	A+
September 30, 2023	$244M	1.80%	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 Warren-Boynton State 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 Warren-Boynton State 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 Warren-Boynton State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Warren-Boynton State Bank

Bank Holding Company WB BCORP INC

Address 702 W Illinois St, New Berlin, IL 62670 · Sangamon

Website https://www.wbsb.com

FDIC Certificate # 11674

Established 18770829

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FDIC

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

2.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5189%

Return on Equity (ROE) 13.5800%

Non-Performing Loans (NPL) 0.30%

Total Assets $234,520,000

Total Deposits $201,360,000

Equity Capital $26,466,000

Net Income $1,780,000

Headquarters New Berlin

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Warren-Boynton State Bank earned the Verified Healthy badge

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Frequently Asked Questions About Warren-Boynton State Bank

How many branches does Warren-Boynton State Bank operate?

Warren-Boynton State Bank currently maintains approximately 4 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, Warren-Boynton State 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, Warren-Boynton State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Warren-Boynton State Bank offer online and mobile banking?

Most modern institutions like Warren-Boynton State 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.wbsb.com.