What are the current interest rates at Croghan Colonial Bank?

Current rates for Croghan Colonial Bank include: 12-Month CD: 3.82%, 60-Month CD: 4.18%, MMA: 2.58%

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Croghan Colonial Bank Rates & Review October 2026

Q: How many branches does Croghan Colonial Bank operate?

Croghan Colonial Bank currently maintains approximately 19 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, Croghan Colonial 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, Croghan Colonial 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 14, 2026

Croghan Colonial Bank's top rates as of October 14, 2026 are 4.18% APY on its 60-Month Certificate of Deposit (CD), 2.58% APY on money market accounts, and 2.02% APY on checking, according to rates verified by MonitorBankRates. Other Croghan Colonial Bank CD rates include 30-Month Certificate of Deposit (CD) at 3.98%, 15-Month Certificate of Deposit (CD) at 3.92%, and 12-Month Certificate of Deposit (CD) at 3.82%. MonitorBankRates evaluates the financial stability of Croghan Colonial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.49%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.49%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Croghan Colonial Bank

323 Croghan St
Fremont, OH 43420

https://www.croghan.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.

Croghan Colonial Bank CD Rates

Product	Rate	APY	Term
60 Month Certificate of Deposit (CD)	-	4.18%	60 Month
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 4.18% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
30 Month Certificate of Deposit (CD)	-	3.98%	30 Month
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.98% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
15 Month Certificate of Deposit (CD)	-	3.92%	15 Month
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
12 Month Certificate of Deposit (CD)	-	3.82%	12 Month
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
6 Month Certificate of Deposit (CD)	-	3.82%	6 Month
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain APY: $500.00; Early withdrawal penalties apply; CDs automatically renew at maturity Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 3.82% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%

Croghan Colonial Bank Money Market Rates

Product	Rate	APY
Digital Money Market	-	2.58%
Min Deposit $25,000 Min Balance $500,001 Details Balance: $500,001.00 - 1,000,000.00; Minimum balance to earn APY is $0.01; eStatement enrollment required for promotional APY Last Updated 10/14/2026 Rate History No change since Sep 9, 2026 · 2.58% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Digital Money Market	-	2.43%
Min Deposit $25,000 Min Balance $250,001 Details Balance: $250,001.00 - $500,000.00; Minimum balance to earn APY is $0.01; eStatement enrollment required for promotional APY Last Updated 10/14/2026 Rate History No change since Sep 9, 2026 · 2.43% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Digital Money Market	-	2.17%
Min Deposit $25,000 Min Balance $25,001 Details Balance: $25,001.00 - $250,000.00; Minimum balance to earn APY is $0.01; eStatement enrollment required for promotional APY Last Updated 10/14/2026 Rate History No change since Sep 9, 2026 · 2.17% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%
Digital Money Market	-	2.02%
Min Deposit $25,000 Min Balance $0 Details Balance: $0.01 - $25,000.00; Minimum balance to earn APY is $0.01; eStatement enrollment required for promotional APY Last Updated 10/14/2026 Rate History No change since Sep 9, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%

Croghan Colonial Bank Checking Rates

Product	Rate	APY	View More
Digital Interest Checking	-	2.02%
Min Deposit $20 Min Balance $0 Details Balance: $0.01+; Minimum balance to earn APY is $0.01; Variable-rate account Last Updated 10/14/2026 Rate History No change since Sep 9, 2026 · 2.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.49%

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.

Financial Health History

Croghan Colonial Bank’s Texas Ratio stayed near 0.54% in Q3 2023 to 0.49% 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	$1.4B	0.49%	5.0	A+
March 31, 2026	$1.4B	0.78%	5.0	A+
December 31, 2025	$1.3B	0.48%	5.0	A+
September 30, 2025	$1.2B	0.80%	5.0	A+
June 30, 2025	$1.2B	0.62%	5.0	A+
March 31, 2025	$1.2B	0.57%	5.0	A+
December 31, 2024	$1.2B	0.66%	5.0	A+
September 30, 2024	$1.1B	0.76%	5.0	A+
June 30, 2024	$1.1B	1.00%	5.0	A+
March 31, 2024	$1.1B	0.71%	5.0	A+
December 31, 2023	$1.1B	0.60%	5.0	A+
September 30, 2023	$1.1B	0.54%	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 Croghan Colonial 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 Croghan Colonial 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 Croghan Colonial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Croghan Colonial Bank

Website https://www.croghan.com

Address 323 Croghan St, Fremont, OH 43420 · Sandusky

Bank Holding Company CROGHAN BANCSHARES INC

FDIC Certificate # 13341

Regulator FED

Established July 25, 1888

FDIC Insurance Date January 1, 1934

Domestic Offices 19

Total Branches 19

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.49%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1964%

Return on Equity (ROE)

11.7700%

Non-Performing Loans Ratio (NPL)

0.05%

Total Assets

$1,414,784,000

Total Deposits

$1,093,341,000

Equity Capital

$141,863,000

Net Income

$8,138,000

Headquarters

Fremont

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Croghan Colonial Bank 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.

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Customer Reviews

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Frequently Asked Questions About Croghan Colonial Bank

How many branches does Croghan Colonial Bank operate?

Croghan Colonial Bank currently maintains approximately 19 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, Croghan Colonial 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, Croghan Colonial Bank provides members with tools to manage their accounts and build a solid financial history.

Does Croghan Colonial Bank offer online and mobile banking?

Most modern institutions like Croghan Colonial 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.croghan.com.