First FSB of Champaign Urbana Rates and Review January 2026
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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 48-Month CD rates are at 0.40%, 24-Month CD rates are at 0.25%, 18-Month CD rates are at 0.20%, 12-Month CD rates are at 0.15%, 6-Month CD rates are at 0.08%. First FSB of Champaign Urbana's savings rates are at 0.01%. First FSB of Champaign Urbana's money market rates are at 0.01%. First FSB of Champaign Urbana's 30-Year Fixed rates are at 5.88%, 20-Year Fixed rates are at 5.62%, 15-Year Fixed rates are at 5.12%, 10-Year Fixed rates are at 5.00%.
To see how these rates compare to First FSB of Champaign Urbana CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First FSB of Champaign Urbana, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First FSB of Champaign Urbana CD rates. You can also compare First FSB of Champaign Urbana savings rates, MMA rates and mortgage rates using our other rate lists. 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. Financial Stability and 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. Overall, First FSB of Champaign Urbana is an excellent bank worth considering, with an overall rating of 4 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 and Interest Rates
First FSB of Champaign Urbana
48-Month CD
0.40%
$1,000
First FSB of Champaign Urbana
24-Month CD
0.25%
$1,000
First FSB of Champaign Urbana
18-Month CD
0.20%
$1,000
First FSB of Champaign Urbana
12-Month CD
0.15%
$1,000
First FSB of Champaign Urbana
6-Month CD
0.08%
$1,000
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Compare First FSB of Champaign Urbana Rates with Other Competitive Bank and Credit Union Rates
Second Federal S&L
18-Month CD
3.85%
$500
Washita State Bank
12-Month CD
3.80%
$1,000
VISIONBank Saint Francis, MN
18-Month CD
3.75%
$500
My eBanc, a division of Bradesco Bank
36-Month CD (Jumbo)
3.73%
$50,000
Suncoast Credit Union
12-Month CD
3.70%
$500
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
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 UrbanaIs First FSB of Champaign Urbana a safe place to deposit money?Yes, First FSB of Champaign Urbana is considered a safe financial institution. With a Texas Ratio of 0.93%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Compare to other Banks |
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