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 First Northern Bank and Trust Company Rates & Review October 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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 20, 2026
First Northern Bank and Trust Company's 3 Year Adjustable CD rates are at 4.81%, 3 Year Adjustable IRA rates are at 4.81%, 2 Year (24-Month) Adjustable CD rates are at 4.73%, 1 Year (12-Month) Adjustable CD rates are at 4.44%, 9-Month CD rates are at 3.70%. First Northern Bank and Trust Company's savings rates are at 0.25%. First Northern Bank and Trust Company's money market rates are at 0.05%. First Northern Bank and Trust Company's checking rates are as high as 0.05%. First Northern Bank and Trust Company's 10-Year Fixed Rate rates are at 6.50%, 15-Year Fixed Rate rates are at 6.75%, 20-Year Fixed Rate rates are at 7.00%, 30-Year Fixed Rate rates are at 7.25%, Unimproved Land "Lots" (first Mortgage only) rates are at 9.683%. First Northern Bank and Trust Company's Personal Loan Rates are as low as 12.154%. MonitorBankRates evaluates the financial stability of First Northern Bank and Trust Company with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.78%. Rates last updated and verified on 10/20/2026. First Northern Bank and Trust Company 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 Northern Bank and Trust Company? Share your experience about First Northern Bank and Trust Company by leaving a review below, or read customer reviews before you decide to use First Northern Bank and Trust Company. First Northern Bank and Trust Company
4th Street And Lafayette Avenue
https://www.1stnorthern.bank Palmerton, PA 18071 Customer Reviews
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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 Northern Bank and Trust Company CD Rates
First Northern Bank and Trust Company Savings Rates
First Northern Bank and Trust Company Business Savings Rates
First Northern Bank and Trust Company Business Money Market Rates
First Northern Bank and Trust Company Checking Rates
First Northern Bank and Trust Company Business Checking Rates
First Northern Bank and Trust Company Mortgage Rates
First Northern Bank and Trust Company Home Equity & HELOC
First Northern Bank and Trust Company Auto Loan Rates
First Northern Bank and Trust Company Personal Loan Rates
First Northern Bank and Trust Company Other Rates
Financial Health HistoryFirst Northern Bank and Trust Company’s Texas Ratio stayed near 5.59% in Q3 2023 to 5.78% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for First Northern Bank and Trust Company 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 Northern Bank and Trust Company 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 Northern Bank and Trust Company's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
First Northern Bank and Trust Company
Website
https://www.1stnorthern.bank
Address
4th Street And Lafayette Avenue,
Palmerton, PA 18071 · Carbon
Bank Holding Company
PALM BCORP
FDIC Certificate #
7675
Regulator
FED
Established
October 24, 1907
FDIC Insurance Date
January 1, 1934
Domestic Offices
11
Total Branches
11
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.78%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.4295%
Return on Equity (ROE)
9.9500%
Non-Performing Loans Ratio (NPL)
0.72%
Total Assets
$921,494,000
Total Deposits
$761,912,000
Equity Capital
$135,996,000
Net Income
$6,643,000
Headquarters
Palmerton
Total Branches and Offices
11
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Frequently Asked Questions About First Northern Bank and Trust CompanyDoes First Northern Bank and Trust Company offer CDs?Yes. First Northern Bank and Trust Company 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 Northern Bank and Trust Company FDIC insured?Yes. First Northern Bank and Trust Company 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 Northern Bank and Trust Company?The highest CD rate MonitorBankRates has verified for First Northern Bank and Trust Company is 4.81% APY on its 3 Year Adjustable CD, as of October 20, 2026. What CD terms does First Northern Bank and Trust Company offer?The First Northern Bank and Trust Company CD terms we track include 9 month, 12 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.70% to 4.81% APY. The institution may offer other terms or specials that are not listed here, so check with First Northern Bank and Trust Company for its full lineup. What is the highest savings rate at First Northern Bank and Trust Company?The highest savings rate MonitorBankRates has verified for First Northern Bank and Trust Company is 0.25% APY on its Royal Savings, as of October 20, 2026. What is the highest money market rate at First Northern Bank and Trust Company?The highest money market rate MonitorBankRates has verified for First Northern Bank and Trust Company is 0.05% APY on its Consumer Money Market Savings and Business Money Market Savings, as of October 20, 2026. What is the highest checking rate at First Northern Bank and Trust Company?The highest checking rate MonitorBankRates has verified for First Northern Bank and Trust Company is 0.05% APY on its Business NOW Checking, as of October 20, 2026. What is the lowest 30 year fixed mortgage rate at First Northern Bank and Trust Company?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for First Northern Bank and Trust Company is 7.25% rate on its 30-Year Fixed Rate, as of October 20, 2026. What is the lowest auto loan rate at First Northern Bank and Trust Company?The lowest auto loan rate MonitorBankRates has verified for First Northern Bank and Trust Company is 7.006% APR on its New Auto/Light Truck Loans, as of October 20, 2026. What is the lowest personal loan rate at First Northern Bank and Trust Company?The lowest personal loan rate MonitorBankRates has verified for First Northern Bank and Trust Company is 12.154% APR on its Personal Loans, as of October 20, 2026. How many branches does First Northern Bank and Trust Company operate?First Northern Bank and Trust Company currently maintains approximately 11 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 Northern Bank and Trust Company 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 Northern Bank and Trust Company provides members with tools to manage their accounts and build a solid financial history. Does First Northern Bank and Trust Company offer online and mobile banking?Most modern institutions like First Northern Bank and Trust Company 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.1stnorthern.bank. 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 Northern Bank and Trust Company rates compare?First Northern Bank and Trust Company's top rates are 4.81% APY on its 3 Year Adjustable CD, 0.25% APY on savings, 0.05% APY on money market, 0.05% APY on checking, 6.50% on its 10-Year Fixed Rate and personal loans from 12.154% APR, verified by MonitorBankRates on October 20, 2026. To compare First Northern Bank and Trust Company with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country. Current First Northern Bank and Trust Company Rates
Retrieved from our database of financial products. Rates subject to change.
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