What are the current interest rates at First FSB of Champaign Urbana?

Current rates for First FSB of Champaign Urbana include: 12-Month CD: 0.15%, 18-Month CD: 0.15%, 24-Month CD: 0.25%, 48-Month CD: 0.40%

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First FSB of Champaign Urbana

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First FSB of Champaign Urbana Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First FSB of Champaign Urbana 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 21, 2026

First FSB of Champaign Urbana's 4 Year CD rates are at 0.40%, 24-Month CD rates are at 0.25%, 18-Month CD rates are at 0.20%, 1 Year CD rates are at 0.15%, 18-Month IRA rates are at 0.15%. First FSB of Champaign Urbana's Residential Mortgage 10 Year Fixed rates are at 6.375%, Residential Mortgage 15 Year Fixed rates are at 6.50%, Residential Mortgage 20 Year Fixed rates are at 7.00%, Residential Mortgage 30 Year Fixed rates are at 7.125%. MonitorBankRates evaluates the financial stability of First FSB of Champaign Urbana with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 10/21/2026.

First FSB of Champaign Urbana 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 First FSB of Champaign Urbana? Share your experience about First FSB of Champaign Urbana by leaving a review below, or read customer reviews before you decide to use First FSB of Champaign Urbana.

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

0.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First FSB of Champaign Urbana

1311 S Neil St
Champaign, IL 61820

https://www.356bank.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.

First FSB of Champaign Urbana CD Rates

Product	Rate	APY	Term
4 Year CD	0.40%	0.40%	4 years
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
24 Month CD	0.25%	0.25%	24 months
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
18 Month CD	0.20%	0.20%	18 months
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
1 Year CD	0.15%	0.15%	1 year
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
1 Year CD	0.15%	0.15%	1 year
Min Balance $50,000 Details Balance: $50,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
1 Year CD	0.15%	0.15%	1 year
Min Balance $100,000 Details Balance: $100,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
18 Month IRA	0.15%	0.15%	18 months
Min Balance $1,000 Details Balance: $1,000 Min; Variable Rate - Compounds Monthly Last Updated 10/21/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
182 Day CD	0.10%	0.10%	182 days
Min Balance $50,000 Details Balance: $50,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
182 Day CD	0.10%	0.10%	182 days
Min Balance $100,000 Details Balance: $100,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
6 Month CD	0.08%	0.08%	6 months
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.08% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
30 Day CD	0.05%	0.05%	30 days
Min Balance $50,000 Details Balance: $50,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
30 Day CD	0.05%	0.05%	30 days
Min Balance $100,000 Details Balance: $100,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
60 Day CD	0.05%	0.05%	60 days
Min Balance $50,000 Details Balance: $50,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
60 Day CD	0.05%	0.05%	60 days
Min Balance $100,000 Details Balance: $100,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
90 Day CD	0.05%	0.05%	90 days
Min Balance $50,000 Details Balance: $50,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
90 Day CD	0.05%	0.05%	90 days
Min Balance $100,000 Details Balance: $100,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
91 Day CD	0.05%	0.05%	91 days
Min Balance $1,000 Details Balance: $1,000 Min; Quarterly Compounded Interest; Penalty for early withdrawal Last Updated 10/21/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

First FSB of Champaign Urbana Mortgage Rates

Product	Rate	Points	APR	Term
Residential Mortgage 10 Year Fixed	6.375%	-	6.445%	10 Year
Details Locally-Retained Service; Assumption: $150,000 loan, 75% LTV, 780 minimum credit score, single-family owner occupied; P&I per $1,000 not included; rates as of October 16, 2026 Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 6.57% → 6.45% ▼ 0.13 pts · high 6.57% / low 6.45% Oct 20, 20266.45%▼ from 6.57% Oct 14, 20266.57%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Residential Mortgage 15 Year Fixed	6.50%	-	6.55%	15 Year
Details Locally-Retained Service; Assumption: $150,000 loan, 75% LTV, 780 minimum credit score, single-family owner occupied; P&I per $1,000 not included; rates as of October 16, 2026 Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 6.68% → 6.55% ▼ 0.13 pts · high 6.68% / low 6.55% Oct 20, 20266.55%▼ from 6.68% Oct 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Residential Mortgage 20 Year Fixed	7.00%	-	7.073%	20 Year
Details Locally-Retained Service; Assumption: $150,000 loan, 75% LTV, 780 minimum credit score, single-family owner occupied; P&I per $1,000 not included; rates as of October 16, 2026 Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 7.20% → 7.07% ▼ 0.13 pts · high 7.20% / low 7.07% Oct 20, 20267.07%▼ from 7.20% Oct 14, 20267.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%
Residential Mortgage 30 Year Fixed	7.125%	-	7.182%	30 Year
Details Locally-Retained Service; Assumption: $150,000 loan, 75% LTV, 780 minimum credit score, single-family owner occupied; P&I per $1,000 not included; rates as of October 16, 2026 Last Updated 10/21/2026 Rate History 1 change since Oct 14, 2026 · 7.31% → 7.18% ▼ 0.13 pts · high 7.31% / low 7.18% Oct 20, 20267.18%▼ from 7.31% Oct 14, 20267.31%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.40%

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

First FSB of Champaign Urbana’s Texas Ratio stayed near 0.87% in Q3 2023 to 0.40% 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	$193M	0.40%	5.0	A+
March 31, 2026	$202M	0.43%	5.0	A+
December 31, 2025	$198M	0.55%	5.0	A+
September 30, 2025	$186M	0.49%	5.0	A+
June 30, 2025	$190M	0.53%	5.0	A+
March 31, 2025	$199M	0.56%	5.0	A+
December 31, 2024	$191M	0.59%	5.0	A+
September 30, 2024	$188M	0.59%	5.0	A+
June 30, 2024	$193M	0.63%	5.0	A+
March 31, 2024	$199M	0.63%	5.0	A+
December 31, 2023	$191M	0.67%	5.0	A+
September 30, 2023	$192M	0.87%	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 First FSB of Champaign Urbana 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 First FSB of Champaign Urbana 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 First FSB of Champaign Urbana's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First FSB of Champaign Urbana

Website https://www.356bank.com

Address 1311 S Neil St, Champaign, IL 61820 · Champaign

Bank Holding Company GREAT AMERICAN BCORP INC

FDIC Certificate # 28445

Regulator OCC

Established January 1, 1908

FDIC Insurance Date August 9, 1989

Domestic Offices 2

Total Branches 2

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

0.40%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.9218%

Return on Equity (ROE)

14.6400%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

$192,539,000

Total Deposits

$163,617,000

Equity Capital

$26,538,000

Net Income

$1,899,000

Headquarters

Champaign

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First FSB of Champaign Urbana 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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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First FSB of Champaign Urbana

Does First FSB of Champaign Urbana offer CDs?

Yes. First FSB of Champaign Urbana offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from First FSB of Champaign Urbana FDIC insured?

Yes. First FSB of Champaign Urbana is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First FSB of Champaign Urbana?

The highest CD rate MonitorBankRates has verified for First FSB of Champaign Urbana is 0.40% APY on its 4 years 4 Year CD, as of October 21, 2026.

What CD terms does First FSB of Champaign Urbana offer?

The First FSB of Champaign Urbana CD terms we track include 12 month, 18 month, 2 year and 4 year terms, with rates from 0.15% to 0.40% APY. The institution may offer other terms or specials that are not listed here, so check with First FSB of Champaign Urbana for its full lineup.

What is the lowest 30 year fixed mortgage rate at First FSB of Champaign Urbana?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for First FSB of Champaign Urbana is 7.125% rate on its Residential Mortgage 30 Year Fixed, as of October 21, 2026.

How many branches does First FSB of Champaign Urbana operate?

First FSB of Champaign Urbana 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, First FSB of Champaign Urbana 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, First FSB of Champaign Urbana provides members with tools to manage their accounts and build a solid financial history.

Does First FSB of Champaign Urbana offer online and mobile banking?

Most modern institutions like First FSB of Champaign Urbana 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.356bank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First FSB of Champaign Urbana rates compare?

First FSB of Champaign Urbana's top rates are 0.40% APY on its 4 years 4 Year CD and 6.375% on its Residential Mortgage 10 Year Fixed, verified by MonitorBankRates on October 21, 2026. To compare First FSB of Champaign Urbana with the top rates nationwide, see our best CD rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current First FSB of Champaign Urbana Rates

12-Month CD0.15%
18-Month CD0.15%
24-Month CD0.25%
48-Month CD0.40%

Retrieved from our database of financial products. Rates subject to change.

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First FSB of Champaign Urbana Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First FSB of Champaign Urbana Texas Ratio

First FSB of Champaign Urbana Health Trend

First FSB of Champaign Urbana CD Rates

First FSB of Champaign Urbana Mortgage Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First FSB of Champaign Urbana earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First FSB of Champaign Urbana

Does First FSB of Champaign Urbana offer CDs?

Are CDs from First FSB of Champaign Urbana FDIC insured?

What is the highest CD rate at First FSB of Champaign Urbana?

What CD terms does First FSB of Champaign Urbana offer?

What is the lowest 30 year fixed mortgage rate at First FSB of Champaign Urbana?

How many branches does First FSB of Champaign Urbana operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First FSB of Champaign Urbana offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First FSB of Champaign Urbana rates compare?

Current First FSB of Champaign Urbana Rates

Compare to Other Banks