Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
First Shore Federal S&L Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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 14, 2026
First Shore Federal S&L's top rates as of October 14, 2026 are 3.50% APY on its 24-Months 24-Month Regular CD, 0.50% APY on money market accounts, and 6.25% on its Unimproved Lots - 1 Yr. ARM mortgage, according to rates verified by MonitorBankRates. Other First Shore Federal S&L CD rates include 36-Months 36-Month Regular CD at 3.50%, 12-Months 12-Month Regular CD at 3.25%, and 18-Months 18-Month Regular CD at 3.25%. Other First Shore Federal S&L mortgage rates include Unimproved Lots - 5/1 Yr. ARM at 6.75%, Unimproved Lots - 3 Yr. ARM at 6.50%, and Residential Investment Properties - 1 Yr. ARM at 7.00%. MonitorBankRates evaluates the financial stability of First Shore Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.97%. Rates last updated and verified on 10/14/2026.
First Shore Federal S&L 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 Shore Federal S&L? Share your experience about First Shore Federal S&L by leaving a review below, or read customer reviews before you decide to use First Shore Federal S&L.
First Shore Federal S&L has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
First Shore Federal S&L has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
3.97%
ExcellentLower than avg
First Shore Federal S&L Texas Ratio
First Shore Federal S&L's Texas Ratio is 3.97%, which is considered excellent and is lower than the national average of 5.85%.
First Shore Federal S&L has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
2.67% to 3.97% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Shore Federal S&L CD Rates
Product
Rate
APY
Term
View More
24 Month Regular CD
3.46%
3.50%
24 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
36 Month Regular CD
3.46%
3.50%
36 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
12 Month Regular CD
3.21%
3.25%
12 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
18 Month Regular CD
3.21%
3.25%
18 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 24 month
3.21%
3.25%
24 Months
Min Deposit$10,000
DetailsMinimum to open for IRAs: $10,000.00; Penalty may be imposed for early withdrawal
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 3.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
6 Month Regular CD
2.97%
3.00%
6 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
60 Month Regular CD
2.97%
3.00%
60 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 18 month
2.97%
3.00%
18 Months
Min Deposit$500
DetailsMinimum to open for IRAs: $250; Penalty may be imposed for early withdrawal
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
48 Month Regular CD
2.72%
2.75%
48 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 60 month
2.48%
2.50%
60 Months
Min Deposit$500
DetailsMinimum to open for IRAs: $250; Penalty may be imposed for early withdrawal
Last Updated10/14/2026
Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
10 Month Freedom CD
1.99%
2.00%
10 Months
Min Deposit$500
DetailsMinimum to open IRAs: $250; One-time penalty-free withdrawal may be made during the term; A penalty may be imposed for additional early withdrawals; *Based upon funds being on deposit for one year at this rate
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
12 Month Add To CD
2.00%
2.00%
12 Months
Min Deposit$200
DetailsMinimum to open IRAs: N/A; Additional deposits may be made anytime during your Add-To CD's term; *Based upon funds being on deposit for one year at this rate; A penalty may be imposed for early withdrawal
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
3 Month Regular CD
1.99%
2.00%
3 Months
Min Deposit$500
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Add To CD (CDs Only) - 12 month
2.00%
2.00%
12 Months
Min Deposit$200
DetailsAdditional deposits may be made anytime during your Add-To CD; Minimum to Open for IRAs: N/A
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Shore Federal S&L Savings Rates
Product
Rate
APY
View More
Christmas Club
0.50%
0.50%
Min Balance$100
DetailsTerm: Club Year/Annual Compounding
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Shore Federal S&L Money Market Rates
Product
Rate
APY
View More
Gold Money Market
0.50%
0.50%
Min Balance$25,000
DetailsTerm: No Term/Monthly Compounding
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Gold Money Market
0.50%
0.50%
Min Balance$2,500
DetailsTerm: No Term/Monthly Compounding
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Money Market
0.50%
0.50%
Min Balance$2,500
DetailsTerm: No Term/Monthly Compounding
Last Updated10/14/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Shore Federal S&L Mortgage Rates
Product
Rate
Points
APR
Term
View More
Unimproved Lots - 5/1 Yr. ARM
6.75%
-
7.471%
20 years
DetailsMaximum Loan-To-Value for Buildable Lot Loans = 75%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.47% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Unimproved Lots - 1 Yr. ARM
6.25%
-
7.793%
20 years
DetailsMaximum Loan-To-Value for Buildable Lot Loans = 75%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.79% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Unimproved Lots - 3 Yr. ARM
6.50%
-
7.838%
20 years
DetailsMaximum Loan-To-Value for Buildable Lot Loans = 75%
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.84% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Residential Investment Properties - 1 Yr. ARM
7.00%
-
7.853%
30 years
DetailsPayment per $1000.00: $6.65; Maximum Loan-To-Value for Residential Investment Properties = 80%; ARM interest rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.85% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Investment Properties + Land - 1 Yr. ARM
8.00%
-
7.954%
30 years
DetailsMax. Term 30 Yrs.; Maximum Loan-To-Value for Residential Investment Properties = 80%; Adjustable Rate Mortgage: interest rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.95% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Residential Investment Properties - 3 Yr. ARM
7.50%
-
8.175%
30 years
DetailsPayment per $1000.00: $6.99; Maximum Loan-To-Value for Residential Investment Properties = 80%; ARM interest rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 8.18% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Investment Properties + Land - 3 Yr. ARM
8.50%
-
8.46%
30 years
DetailsMax. Term 30 Yrs.; Maximum Loan-To-Value for Residential Investment Properties = 80%; Adjustable Rate Mortgage: interest rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 8.46% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Shore Federal S&L Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
First Lien Home Equity Loan - Fixed Rate
6.25%
-
6.303%
5 years
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.30% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Lien Home Equity Loan - Fixed Rate
6.50%
-
6.528%
10 years
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.53% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Second Lien Home Equity Loan - Fixed Rate
6.50%
-
6.553%
5 years
DetailsFixed Rate; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Payment per $1,000.00: $19.57; Rates & APR effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.55% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Lien Home Equity Loan - Fixed Rate
6.75%
-
6.77%
15 years
No additional details.
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.77% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Second Lien Home Equity Loan - Fixed Rate
6.75%
-
6.778%
10 years
DetailsFixed Rate; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Payment per $1,000.00: $11.48; Rates & APR effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.78% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Second Lien Home Equity Loan - Fixed Rate
7.00%
-
7.02%
15 years
DetailsFixed Rate; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Payment per $1,000.00: $8.99; Rates & APR effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.02% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
First Shore Federal S&L Other Rates
Product
Rate
Points
APY/APR
Term
View More
Double Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM
6.00%
-
6.406%
15 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.41% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM
6.50%
-
6.925%
30 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.93% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate
6.00%
-
6.419%
10 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.42% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate
6.25%
-
6.548%
15 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.55% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate
6.75%
-
6.993%
20 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate
7.00%
-
7.188%
30 years
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
7.75%
-
7.845%
15 years
DetailsDown Payment: 10%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 7.85% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
7.25%
-
7.344%
15 years
DetailsDown Payment: 20%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 7.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
6.75%
-
6.842%
15 years
DetailsDown Payment: 30%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 6.84% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
8.00%
-
8.078%
20 years
DetailsDown Payment: 10%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 8.08% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
7.50%
-
7.576%
20 years
DetailsDown Payment: 20%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 7.58% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
7.00%
-
7.075%
20 years
DetailsDown Payment: 30%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 7.08% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
8.50%
-
8.569%
25 years
DetailsDown Payment: 10%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 8.57% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
8.00%
-
8.067%
25 years
DetailsDown Payment: 20%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 8.07% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
New & Current Year Homes Fixed Rate
7.75%
-
7.816%
25 years
DetailsDown Payment: 30%; Manufactured Home Only Rates
Last Updated10/14/2026
Rate History
No change since Sep 15, 2026 · 7.82% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 1 Yr. ARM
5.75%
-
7.276%
30 years
DetailsMax LTV 90% (Construction-Permanent 80%); Rates & APR effective October 1, 2026; ARM rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.28% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 10/1 Yr. ARM
5.75%
-
6.178%
15 years
DetailsMax LTV 90% (Construction-Permanent 80%); Rates & APR effective October 1, 2026; ARM rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.18% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 10/1 Yr. ARM
6.00%
-
6.594%
30 years
DetailsMax LTV 90% (Construction-Permanent 80%); Rates & APR effective October 1, 2026; ARM rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 6.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 3 Yr. ARM
5.75%
-
7.339%
30 years
DetailsMax LTV 90% (Construction-Permanent 80%); Rates & APR effective October 1, 2026; ARM rate may increase after consummation
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 5/1 Yr. ARM
5.50%
-
6.719%
30 years
DetailsMax LTV 90% (Construction-Permanent 80%); Rates & APR effective October 1, 2026; ARM rate may increase after consummation
Single Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM
7.25%
-
7.555%
15 years
DetailsMax. Term 15 Yrs.; Adjustable rate mortgage; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.56% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Single Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM
7.50%
-
7.645%
25 years
DetailsMax. Term 25 Yrs.; Adjustable rate mortgage; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.65% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Single Wide Primary/Secondary Homes + Land - Fixed Rate
7.25%
-
7.679%
10 years
DetailsMax. Term 10 Yrs.; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.68% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Single Wide Primary/Secondary Homes + Land - Fixed Rate
7.50%
-
7.809%
15 years
DetailsMax. Term 15 Yrs.; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.81% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Single Wide Primary/Secondary Homes + Land - Fixed Rate
7.75%
-
8.002%
20 years
DetailsMax. Term 20 Yrs.; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 8.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Single Wide Primary/Secondary Homes + Land - Fixed Rate
7.75%
-
7.968%
25 years
DetailsMax. Term 25 Yrs.; rates effective as of October 1, 2026
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 7.97% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
1.99%
-
2.00%
3 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
2.97%
-
3.00%
6 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
3.21%
-
3.25%
12 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
3.21%
-
3.25%
18 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
3.46%
-
3.50%
24 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
3.46%
-
3.50%
36 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
2.72%
-
2.75%
48 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 2.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Regular IRA
2.97%
-
3.00%
60 Months
Min Deposit$250
Last Updated10/14/2026
Rate History
No change since Oct 14, 2026 · 3.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 3.97%
Financial Health History
First Shore Federal S&L’s Texas Ratio rose from 2.67% in Q3 2023 to 3.97% 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
$367M
3.97%
5.0
A+
March 31, 2026
$362M
2.56%
5.0
A+
December 31, 2025
$359M
2.26%
5.0
A+
September 30, 2025
$362M
2.52%
5.0
A+
June 30, 2025
$366M
1.83%
5.0
A+
March 31, 2025
$370M
1.85%
5.0
A+
December 31, 2024
$367M
1.78%
5.0
A+
September 30, 2024
$361M
1.84%
5.0
A+
June 30, 2024
$359M
1.14%
5.0
A+
March 31, 2024
$358M
1.15%
5.0
A+
December 31, 2023
$346M
1.57%
5.0
A+
September 30, 2023
$337M
2.67%
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 Shore Federal S&L 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 Shore Federal S&L 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 Shore Federal S&L's official website for the most current offers and terms.
Bank Profile & Overview
Institution NameFirst Shore Federal S&L
FDIC Certificate #30680
Address
106 S Division St,
Salisbury, MD 21801 · Wicomico
First Shore Federal S&L earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for First Shore Federal S&L yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for First Shore Federal S&L
Frequently Asked Questions About First Shore Federal S&L
How many branches does First Shore Federal S&L operate?
First Shore Federal S&L currently maintains approximately 7 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 Shore Federal S&L 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 Shore Federal S&L provides members with tools to manage their accounts and build a solid financial history.
Does First Shore Federal S&L offer online and mobile banking?
Most modern institutions like First Shore Federal S&L 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.firstshorefederal.com.
Current First Shore Federal S&L Rates
12-Month CD2.00%
18-Month CD3.00%
24-Month CD3.25%
36-Month CD3.50%
48-Month CD2.75%
60-Month CD2.50%
MMA0.50%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
