What are the current interest rates at WMB Wilson & Muir B&T Co.?

Current rates for WMB Wilson & Muir B&T Co. include: 12-Month CD: 2.50%, 18-Month CD: 1.75%, 24-Month CD: 1.76%, 48-Month CD: 0.25%, Savings: 0.05%, MMA: 0.10%

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WMB Wilson & Muir B&T Co.

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WMB Wilson & Muir B&T Co. Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, WMB Wilson & Muir B&T Co. 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 19, 2026

WMB Wilson & Muir B&T Co.'s 18-Month IRA (Variable Rate) rates are at 3.88%, 13-Month Certificate of Deposit rates are at 3.75%, 7-Month Certificate of Deposit rates are at 3.50%, 12-Month Certificate of Deposit rates are at 2.53%, 12-Month IRA (Fixed Rate) rates are at 2.50%. WMB Wilson & Muir B&T Co.'s savings rates are at 0.05%. WMB Wilson & Muir B&T Co.'s money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of WMB Wilson & Muir B&T Co. with a 4.9 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.62%. Rates last updated and verified on 09/19/2026.

WMB Wilson & Muir B&T Co. 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 WMB Wilson & Muir B&T Co.? Share your experience about WMB Wilson & Muir B&T Co. by leaving a review below, or read customer reviews before you decide to use WMB Wilson & Muir B&T Co..

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

4.9

Exceptional Out of 5.0 Stars

Texas Ratio

2.62%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

WMB Wilson & Muir B&T Co.

107 N 3rd St
Bardstown, KY 40004

https://www.wilsonmuirbank.com

WMB Wilson & Muir B&T Co. CD Rates

Product	Rate	APY	Term
18 Month IRA (Variable Rate)	-	3.89%	18 Month
Details Variable Rate** Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
13 Month Certificate of Deposit	-	3.75%	13 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
7 Month Certificate of Deposit	-	3.50%	7 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
12 Month Certificate of Deposit	-	2.53%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
12 Month IRA (Fixed Rate)	-	2.50%	12 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
18 Month Certificate of Deposit	-	1.76%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
23 Month Certificate of Deposit	-	1.76%	23 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
24 Month Certificate of Deposit	-	1.76%	24 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
18 Month IRA (Fixed Rate)	-	1.75%	18 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
182 Day Certificate of Deposit	-	0.55%	182 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
7-31 Day Certificate of Deposit	-	0.55%	7-31 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
9 Month Certificate of Deposit	-	0.55%	9 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
91 Day Certificate of Deposit	-	0.55%	91 Day
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
30 Month Certificate of Deposit	-	0.25%	30 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
30 Month IRA (Fixed Rate)	-	0.25%	30 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
48 Month Certificate of Deposit	-	0.25%	48 Month
No additional details. Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%

WMB Wilson & Muir B&T Co. Savings Rates

Product	Rate	APY
Maximum Advantage Savings Balance	-	0.10%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Maximum Advantage Savings Balance	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Maximum Advantage Savings Balance	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Maximum Advantage Savings Balance	-	0.10%
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Health Savings Balance	-	0.05%
Min Balance $0 Details Balance: Tier 1 Up to $999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Health Savings Balance	-	0.05%
Min Balance $1,000 Details Balance: Tier 2 $1,000 - $2,499.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Health Savings Balance	-	0.05%
Min Balance $2,500 Details Balance: Tier 3 $2,500 - $4,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Health Savings Balance	-	0.05%
Min Balance $5,000 Details Balance: Tier 4 $5,000 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Health Savings Balance	-	0.05%
Min Balance $10,000 Details Balance: Tier 5 $10,000 and above Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%

WMB Wilson & Muir B&T Co. Money Market Rates

Product	Rate	APY
Money Market Advantage Balance	-	0.10%
Min Balance $0 Details Balance: Tier 1 Up to $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Money Market Advantage Balance	-	0.10%
Min Balance $10,000 Details Balance: Tier 2 $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Money Market Advantage Balance	-	0.10%
Min Balance $25,000 Details Balance: Tier 3 $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Money Market Advantage Balance	-	0.10%
Min Balance $100,000 Details Balance: Tier 4 $100,000 and above Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%

WMB Wilson & Muir B&T Co. Checking Rates

Product	Rate	APY
Premium Advantage Checking Balance	-	0.10%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Premium Advantage Checking Balance	-	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Premium Advantage Checking Balance	-	0.10%
Min Balance $25,000 Details Balance: $25,000 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%
Premium Advantage Checking Balance	-	0.10%
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%

WMB Wilson & Muir B&T Co. Other Rates

Product	Rate	Points	APY/APR	Term	View More
182 Day IRA (Fixed Rate)	-	-	0.55%	182 Day
Last Updated 09/19/2026 Institution Ratings 4.9 Star Rating A+ Health Grade ◈ Texas Ratio: 2.62%

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

WMB Wilson & Muir B&T Co.’s Texas Ratio fell from 15.35% in Q3 2023 to 2.62% 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 1.0 to 4.9 and its Health Grade from F to A+. 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	$818M	2.62%	4.9	A+
March 31, 2026	$847M	2.47%	4.5	A
December 31, 2025	$844M	1.45%	4.7	A
September 30, 2025	$809M	1.15%	4.0	B+
June 30, 2025	$803M	0.58%	3.4	B
March 31, 2025	$854M	0.31%	2.8	C+
December 31, 2024	$787M	0.33%	2.9	C+
September 30, 2024	$787M	5.53%	3.2	C+
June 30, 2024	$771M	7.53%	2.0	D
March 31, 2024	$759M	7.14%	2.3	D
December 31, 2023	$740M	7.04%	2.7	C
September 30, 2023	$719M	15.35%	1.0	F

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 WMB Wilson & Muir B&T Co. 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 WMB Wilson & Muir B&T Co. 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 WMB Wilson & Muir B&T Co.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name WMB Wilson & Muir B&T Co.

Bank Holding Company WILSON&MUIR BCORP INC

Address 107 N 3rd St, Bardstown, KY 40004 · Nelson

Website https://www.wilsonmuirbank.com

FDIC Certificate # 17040

Established 18651218

FDIC Insurance Date 19510924

Domestic Offices 12

Total Branches 12

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

4.9

Exceptional Out of 5.0 Stars

2.62%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.6077%

Return on Equity (ROE) 38.9900%

Non-Performing Loans (NPL) 0.18%

Total Assets $818,397,000

Total Deposits $727,607,000

Equity Capital $56,241,000

Net Income $10,910,000

Headquarters Bardstown

Total Branches and Offices 12

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

WMB Wilson & Muir B&T Co. 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 — no need to download or upload anything.

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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

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Frequently Asked Questions About WMB Wilson & Muir B&T Co.

How many branches does WMB Wilson & Muir B&T Co. operate?

WMB Wilson & Muir B&T Co. currently maintains approximately 12 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, WMB Wilson & Muir B&T Co. 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, WMB Wilson & Muir B&T Co. provides members with tools to manage their accounts and build a solid financial history.

Does WMB Wilson & Muir B&T Co. offer online and mobile banking?

Most modern institutions like WMB Wilson & Muir B&T Co. 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.wilsonmuirbank.com.