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Aspire Bank

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Aspire Bank Rates & Review May 2026

Q: How many branches does Aspire Bank operate?

Aspire Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Aspire 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Aspire 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: April 24, 2026

Aspire Bank's 7-Month CD rates are at 3.65%. MonitorBankRates evaluates the financial stability of Aspire Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.18%. Rates were last updated on 04/24/2026.

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

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.18%

Excellent Higher than avg

Aspire Bank

5195 45th St S
Fargo, ND 58104

https://www.aspirebanks.com

Aspire Bank CD Rates

Product	Rate	APY	Term	View More
7 Month CD	-	3.65%
Min Balance $25,000 Details Required opening and a minimum balance of $25,000.00. Penalties for early withdrawal may be imposed. Last Updated 04/24/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.18%

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.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Aspire 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 Aspire 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 Aspire Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Aspire Bank

Bank Holding Company ASPIRE BANCSHARES INC

Address 5195 45th St S, Fargo, ND 58104 · Cass

Website https://www.aspirebanks.com

FDIC Certificate # 3934

Established 09/19/1905

FDIC Insurance Date 01/01/1934

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.18%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6468%

Return on Equity (ROE) 6.3900%

Non-Performing Loans (NPL) 0.98%

Total Assets $62,623,000

Total Deposits $51,244,000

Equity Capital $6,983,000

Net Income $698,000

Headquarters Fargo

Total Offices 2

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Aspire Bank

Is Aspire Bank a safe place to deposit money?

Yes, Aspire Bank is considered a safe financial institution. With a Texas Ratio of 10.182119205298%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Aspire Bank operate?

Aspire Bank currently maintains approximately 2 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, Aspire 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, Aspire Bank provides members with tools to manage their accounts and build a solid financial history.

Does Aspire Bank offer online and mobile banking?

Most modern institutions like Aspire 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.aspirebanks.com.