What are the current interest rates at FNB of Lake Jackson?

Current rates for FNB of Lake Jackson include: MMA: 0.50%

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FNB of Lake Jackson

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FNB of Lake Jackson Rates & Review October 2026

Q: How many branches does FNB of Lake Jackson operate?

FNB of Lake Jackson currently maintains approximately 2 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, FNB of Lake Jackson 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, FNB of Lake Jackson 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 11, 2026

FNB of Lake Jackson's top rate as of October 11, 2026 is 0.50% APY on money market accounts, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of FNB of Lake Jackson with a 1.0 Star Rating, an D Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/11/2026.

FNB of Lake Jackson 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 FNB of Lake Jackson? Share your experience about FNB of Lake Jackson by leaving a review below, or read customer reviews before you decide to use FNB of Lake Jackson.

Overall Health & Safety Grade

Weak Health Score: 60/100

MonitorBankRates Rating

1.0

Weak Out of 5.0 Stars

Texas Ratio

0.00%

Perfect Lower than avg

Health Trend

Very strong 8 quarters

Full history ›

FNB of Lake Jackson

122 West Way
Lake Jackson, TX 77566

https://www.fnblj.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.

FNB of Lake Jackson Money Market Rates

Product	Rate	APY	View More
Money Market Account	-	0.50%
Min Deposit $1,000 Details Money Market account is available to all customers with no monthly service charge and no minimum balance requirement. You may make six (6) transfers from your account each four(4) weeks or similar period, if by pre-authorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by mail, or at an ATM are unlimited. Violation fee of $20 will be accessed. ** Rates subject to change Last Updated 10/11/2026 Rate History 1 change since Sep 15, 2026 · 0.75% → 0.50% ▼ 0.25 pts · high 0.75% / low 0.50% Sep 24, 20260.50%▼ from 0.75% Sep 15, 20260.75%first recorded Institution Ratings 1.0 Star Rating D Health Grade ◈ Texas Ratio: 0.00%

FNB of Lake Jackson Other Rates

Product	Rate	Points	APY/APR	Term	View More
NOW Account	-	-	0.50%
Min Deposit $1,000 Min Balance $1,000 Details Interest Bearing checking for consumers and eligible non-profit organizations. This account provides unlimited check writing privileges and no monthly service charge. Must maintain a minimum balance of $1,000.00 to obtain the disclosed annual percentage yield ** Rate subject to change. Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 5 times Institution Ratings 1.0 Star Rating D Health Grade ◈ Texas Ratio: 0.00%

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

FNB of Lake Jackson’s Texas Ratio stayed near 0.00% in Q3 2024 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 8 quarters. Over the same period its Star Rating moved from 1.0 to 1.0. 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	$218M	0.00%	1.0	D
March 31, 2026	$211M	0.00%	1.2	D
December 31, 2025	$212M	0.00%	1.2	D
September 30, 2025	$192M	0.00%	1.1	D
June 30, 2025	$227M	0.08%	1.0	F
March 31, 2025	$207M	0.00%	1.0	D
December 31, 2024	$215M	0.00%	1.0	D
September 30, 2024	$204M	0.00%	1.0	D

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 FNB of Lake Jackson 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 FNB of Lake Jackson 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 FNB of Lake Jackson's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name FNB of Lake Jackson

Bank Holding Company AUSTIN COLONY INC

Address 122 West Way, Lake Jackson, TX 77566 · Brazoria

Website https://www.fnblj.com

FDIC Certificate # 18895

Established 19630926

FDIC Insurance Date 19630926

Domestic Offices 2

Total Branches 2

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 60/100

1.0

Weak Out of 5.0 Stars

0.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.3002%

Return on Equity (ROE) 9.6400%

Non-Performing Loans (NPL) 0.00%

Total Assets $218,367,000

Total Deposits $211,115,000

Equity Capital $6,436,000

Net Income $321,000

Headquarters Lake Jackson

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About FNB of Lake Jackson

How many branches does FNB of Lake Jackson operate?

FNB of Lake Jackson 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, FNB of Lake Jackson 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, FNB of Lake Jackson provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Lake Jackson offer online and mobile banking?

Most modern institutions like FNB of Lake Jackson 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.fnblj.com.