What are the current interest rates at Byron Bank?

Current rates for Byron Bank include: Savings: 0.10%

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Byron Bank Rates & Review August 2026

Q: How many branches does Byron Bank operate?

Byron 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.

Q: Is there a first-time homebuyer program?

Currently, Byron 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, Byron 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: August 28, 2026

Byron Bank's 15-Month CD rates are at 4.05%, 10-Month CD rates are at 3.90%. Byron Bank's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Byron Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.26%. Rates last updated and verified on 08/28/2026.

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

Verified Healthy Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

12.26%

Excellent Higher than avg

Byron Bank

200 N Walnut St
Byron, IL 61010

https://www.byronbank.com

Byron Bank CD Rates

Product	Rate	APY	Term
15 Month CD	3.99%	4.05%	15 Month
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield is current as of July 28, 2026. A penalty for early withdrawal may be imposed. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
10 Month CD	3.84%	3.90%	10 Month
Min Deposit $1,000 Min Balance $1,000 Details Annual Percentage Yield is current as of July 28, 2026. A penalty for early withdrawal may be imposed. Fees may reduce earnings. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%

Byron Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.25%	0.25%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
Timely Savings	0.25%	0.25%
Min Balance $5 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
Health Savings Account	0.20%	0.20%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
Health Savings Account	0.10%	0.10%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
Starter Savings	0.10%	0.10%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%

Byron Bank Checking Rates

Product	Rate	APY
Advantage Checking	0.20%	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%
Dynamic Checking	0.15%	0.15%
Min Balance $2,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 12.26%

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 Byron 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 Byron 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 Byron Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Byron Bank

Bank Holding Company BYRON BANCSHARES INC

Address 200 N Walnut St, Byron, IL 61010 · Ogle

Website https://www.byronbank.com

FDIC Certificate # 902

Established 07/01/1932

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 94/100

5.0

Exceptional Out of 5.0 Stars

12.26%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6796%

Return on Equity (ROE) 10.0900%

Non-Performing Loans (NPL) 0.71%

Total Assets $360,089,000

Total Deposits $323,856,000

Equity Capital $29,756,000

Net Income $4,292,000

Headquarters Byron

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Byron Bank earned the Verified Healthy badge

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Frequently Asked Questions About Byron Bank

How many branches does Byron Bank operate?

Byron 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, Byron 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, Byron Bank provides members with tools to manage their accounts and build a solid financial history.

Does Byron Bank offer online and mobile banking?

Most modern institutions like Byron 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.byronbank.com.