What are the current interest rates at Community National Bank in Monmouth?

Current rates for Community National Bank in Monmouth include: 12-Month CD: 0.20%, 24-Month CD: 0.25%, 48-Month CD: 0.30%

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Community National Bank in Monmouth

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Community National Bank in Monmouth Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community National Bank in Monmouth 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 14, 2026

Community National Bank in Monmouth's top rate as of October 14, 2026 is 4.00% APY on its 1 Year Certificate of Deposit, according to rates verified by MonitorBankRates. Other Community National Bank in Monmouth CD rates include 1 Year Certificate of Deposit at 3.78%, 2 1/2 Year Certificate of Deposit at 3.61%, and 4 Year Certificate of Deposit at 3.61%. MonitorBankRates evaluates the financial stability of Community National Bank in Monmouth with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.39%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 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

4.39%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Community National Bank in Monmouth

311 N Main St
Monmouth, IL 61462

https://www.cnbmonmouth.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.

Community National Bank in Monmouth CD Rates

Product	Rate	APY	Term
1 Year Certificate of Deposit	3.94%	4.00%	1 Year
Min Balance $20,000 Details Balance: $20,000 +; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 4.00% ▲ 3.60 pts · high 4.00% / low 0.40% Oct 14, 20264.00%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
1 Year Certificate of Deposit	3.73%	3.78%	1 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 0.30% → 3.78% ▲ 3.48 pts · high 3.78% / low 0.30% Oct 14, 20263.78%▲ from 0.30% Sep 20, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	3.56%	3.61%	2 1/2 Year
Min Balance $20,000 Details Balance: $20,000 and over; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 3.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	3.56%	3.61%	4 Year
Min Balance $20,000 Details Balance: $20,000 +; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.61% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
1 Year Certificate of Deposit	3.44%	3.48%	1 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 0.20% → 3.48% ▲ 3.28 pts · high 3.48% / low 0.20% Oct 14, 20263.48%▲ from 0.20% Sep 20, 20260.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	3.37%	3.41%	2 1/2 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 3.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	3.37%	3.41%	4 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 3.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	3.21%	3.25%	2 1/2 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	3.21%	3.25%	4 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	0.65%	0.65%	4 Year
Min Balance $20,000 Details Balance: $20,000 +; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 0.65% ▼ 2.96 pts · high 3.61% / low 0.65% Sep 20, 20260.65%▼ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	0.56%	0.56%	4 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	0.45%	0.45%	2 1/2 Year
Min Balance $20,000 Details Balance: $20,000 +; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.45% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
1 Year Certificate of Deposit	0.40%	0.40%	1 Year
Min Balance $20,000 Details Balance: $20,000 +; Interest paid or Compounded Quarterly; Simple Interest Rate: 0.40% Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	0.40%	0.40%	2 1/2 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
1 Year Certificate of Deposit	0.30%	0.30%	1 Year
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest paid or Compounded Quarterly; Simple Interest Rate: 0.30% Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
4 Year Certificate of Deposit	0.30%	0.30%	4 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
2 1/2 Year Certificate of Deposit	0.25%	0.25%	2 1/2 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
1 Year Certificate of Deposit	0.20%	0.20%	1 Year
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest paid or Compounded Quarterly; Simple Interest Rate: 0.20% Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

Community National Bank in Monmouth Other Rates

Product	Rate	Points	APY/APR	Term
182 Day Money Market Certificate	3.68%	-	3.73%	182 days
Min Balance $20,000 Details Interest at Maturity; Balance: $20,000 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.73% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
182 Day Money Market Certificate	3.65%	-	3.70%	182 days
Min Balance $5,000 Details Interest at Maturity; Balance: $5,000 - $20,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.70% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
182 Day Money Market Certificate	3.00%	-	3.03%	182 days
Min Balance $1,000 Details Interest at Maturity; Balance: $1,000 - $5,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.03% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
182 Day Money Market Certificate	0.25%	-	0.25%	182 days
Min Balance $20,000 Details Interest at Maturity; Balance: $20,000 + Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
182 Day Money Market Certificate	0.15%	-	0.15%	182 days
Min Balance $5,000 Details Interest at Maturity; Balance: $5,000 - $20,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
182 Day Money Market Certificate	0.07%	-	0.07%	182 days
Min Balance $1,000 Details Interest at Maturity; Balance: $1,000 - $5,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.07% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	3.75%	-	3.80%	91 days
Min Balance $20,000 Details Balance: $20,000 +; Interest at Maturity; Substantial penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.80% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	3.69%	-	3.74%	91 days
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest at Maturity; Substantial penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 3.74% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	3.10%	-	3.14%	91 days
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest at Maturity; Substantial penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 3.14% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	0.25%	-	0.25%	91 days
Min Balance $20,000 Details Balance: $20,000 +; Interest at maturity; Simple Interest Rate: 0.25% Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	0.15%	-	0.15%	91 days
Min Balance $5,000 Details Balance: $5,000 - $20,000; Interest at maturity; Simple Interest Rate: 0.15% Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%
91 Day Money Market Certificate	0.07%	-	0.07%	91 days
Min Balance $1,000 Details Balance: $1,000 - $5,000; Interest at maturity; Simple Interest Rate: 0.07% Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.39%

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

Community National Bank in Monmouth’s Texas Ratio fell from 10.97% in Q3 2023 to 4.39% 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 5.0 to 5.0 and its Health Grade from A 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	$55M	4.39%	5.0	A+
March 31, 2026	$53M	4.58%	5.0	A+
December 31, 2025	$54M	4.85%	5.0	A+
September 30, 2025	$52M	4.99%	5.0	A+
June 30, 2025	$55M	7.77%	5.0	A
March 31, 2025	$52M	8.20%	5.0	A
December 31, 2024	$52M	8.70%	5.0	A
September 30, 2024	$51M	6.27%	5.0	A
June 30, 2024	$52M	7.87%	5.0	A
March 31, 2024	$51M	8.38%	5.0	A
December 31, 2023	$56M	12.96%	5.0	A
September 30, 2023	$57M	10.97%	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 Community National Bank in Monmouth 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 Community National Bank in Monmouth 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 Community National Bank in Monmouth's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Community National Bank in Monmouth

Website https://www.cnbmonmouth.com

Address 311 N Main St, Monmouth, IL 61462 · Warren

Bank Holding Company CNB HOLDINGS INC

FDIC Certificate # 19230

Regulator OCC

Established September 10, 1964

FDIC Insurance Date September 10, 1964

Domestic Offices 1

Total Branches 1

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

4.39%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.0759%

Return on Equity (ROE)

8.5600%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

$55,120,000

Total Deposits

$47,669,000

Equity Capital

$6,951,000

Net Income

$291,000

Headquarters

Monmouth

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Community National Bank in Monmouth earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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 Community National Bank in Monmouth

How many branches does Community National Bank in Monmouth operate?

Community National Bank in Monmouth currently maintains approximately 1 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, Community National Bank in Monmouth 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, Community National Bank in Monmouth provides members with tools to manage their accounts and build a solid financial history.

Does Community National Bank in Monmouth offer online and mobile banking?

Most modern institutions like Community National Bank in Monmouth 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.cnbmonmouth.com.