First FSB of Champaign Urbana Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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First FSB of Champaign Urbana's Roth IRA 4 Year CD rates are at 0.40%, 24-Month Roth IRA 24-Month CD rates are at 0.25%, 18-Month Roth IRA 18-Month CD rates are at 0.20%, Roth IRA 1 Year CD rates are at 0.15%, Roth IRA 182 Day CD rates are at 0.10%. You can compare First FSB of Champaign Urbana rates to other rates in our database, including 12-month CD rates currently at 3.05%, 6-month CD rates at 3.14% and 3-month CD rates at 3.80%. Savings rates are at 0.25% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates, and more, can be found in our database of rates which you can compare to First FSB of Champaign Urbana rates.
Rate Updates and AvailabilityFirst 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. First FSB of Champaign Urbana Texas RatioFirst FSB of Champaign Urbana's Texas Ratio is at 0.93%, which is considered excellent. The Texas Ratio for First FSB of Champaign Urbana is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
First FSB of Champaign Urbana has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, First FSB of Champaign Urbana is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
First FSB of Champaign Urbana CD Rates
Methodology & Data SourcesMonitorBankRates 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 & OverviewFirst FSB of Champaign Urbana
1311 S Neil StChampaign, IL 61820 Champaign Established Date: 01/01/1908 FDIC Certificate #: 28445 Date of FDIC Deposit Insurance: 08/09/1989 Bank Holding Company: GREAT AMERICAN BCORP INC How Many Domestic U.S. Offices? 2 How Many Branches are There? 2 Website: https://www.356bank.com
Is First FSB of Champaign Urbana FDIC Insured? Yes
What is First FSB of Champaign Urbana's Cert number? 28445
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$199,425,000
Total Deposits:
$174,464,000
Equity Capital:
$21,758,000
Net Income:
$963,000
Return on Assets (ROA):
1.2404%
Return on Equity (ROE):
12.9500%
Headquarters:
Champaign
Regulator:
OCC
# of Offices:
2
Source: FDIC | Last Updated 03/31/2024
Customer ReviewskEIC
December 17, 2025
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Add Your Rating and Review for First FSB of Champaign Urbana
Frequently Asked Questions About First FSB of Champaign UrbanaHow do I open an account at First FSB of Champaign Urbana?You can typically open an account at First FSB of Champaign Urbana by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, First FSB of Champaign Urbana provides a range of mortgage and home equity products. Is First FSB of Champaign Urbana a safe place to deposit money?Yes, First FSB of Champaign Urbana is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does First FSB of Champaign Urbana offer online and mobile banking?Most modern institutions like First FSB of Champaign Urbana provide digital access including online balance checks and transfers. Compare to other Banks |
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