MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results
  1. Home›
  2. Banks›
  3. Florence Bank
iAdvertiser Disclosure
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.

Florence Bank Rates & Review October 2026

Content reviewed by
Brian McKay Brian McKay
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.
Read Full Bio →
| iEditorial Disclosure
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 11, 2026

Florence Bank's top rates as of October 11, 2026 are 3.55% APY on its 14-Month CD, 3.20% APY on savings, 0.40% APY on money market accounts, 1.25% APY on checking, and 5.00% on its Welcome Home- 10/1-Year Adjustable Rate (30-Year Term) Loan mortgage, according to rates verified by MonitorBankRates. Other Florence Bank CD rates include 14-Month IRA CD at 3.55%, Business 14-Month CD at 3.55%, and 9-Month CD at 3.40%. Other Florence Bank mortgage rates include FTHB - 10/1-Year Adjustable Rate Loan at 5.25%, Welcome Home - 30-Year Fixed Rate at 6.00%, and FTHB - 7/1-Year Adjustable Rate Loan at 5.125%. MonitorBankRates evaluates the financial stability of Florence Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.70%. Rates last updated and verified on 10/11/2026.

Florence Bank 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 Florence Bank? Share your experience about Florence Bank by leaving a review below, or read customer reviews before you decide to use Florence Bank.

MonitorBankRates Verified Healthy Badge Q2 2026 Verified Healthy Q2 2026 Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
2.70%
Excellent Lower than avg
Health Trend ?
Improving 12 quarters
Full history ›
Florence Bank
85 Main St
Florence, MA 01062
https://www.florencebank.com
MemberFDIC
Customer Reviews
5.0 ★ 1 review
Write a Review
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.

Florence Bank CD Rates

Product Rate APY Term View More
14 Month CD 3.49% 3.55% 14 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
14 Month IRA CD 3.49% 3.55% 14 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
9 Month CD 3.35% 3.40% 9 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
9 Month IRA CD 3.35% 3.40% 9 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
5 Month CD 3.25% 3.30% 5 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
5 Month IRA CD 3.25% 3.30% 5 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
16 Month CD 3.06% 3.10% 16 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 6 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
16 Month IRA CD 3.06% 3.10% 16 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
36 Month CD 2.96% 3.00% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
36 Month IRA CD 2.96% 3.00% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
48 Month CD 2.96% 3.00% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
48 Month IRA CD 2.96% 3.00% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
60 Month CD 2.96% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
60 Month IRA CD 2.96% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
7 Month Easy-Out CD 2.96% 3.00% 7 Month
Min Deposit $5,000
Min Balance $500
Details Easy-Out CD*
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
24 Month CD 2.13% 2.15% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.15% APY · checked 6 times
1.65%2.15%2.65%Sep 24, 2026: 2.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
24 Month IRA CD 2.13% 2.15% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Sep 24, 2026: 2.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
12 Month CD 1.49% 1.50% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
12 Month IRA CD 1.49% 1.50% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
6 Month CD 1.49% 1.50% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 6 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
6 Month IRA CD 1.49% 1.50% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
3 Month CD 1.00% 1.00% 3 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30 Month CD 0.35% 0.35% 30 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30 Month IRA CD 0.35% 0.35% 30 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
18 Month CD 0.20% 0.20% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
18 Month IRA CD 0.20% 0.20% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
17 Month Easy-Out CD 0.15% 0.15% 17 Month
Min Deposit $5,000
Min Balance $500
Details Easy-Out CD*
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Business CD Rates

Product Rate APY Term View More
Business 14 Month CD 3.49% 3.55% 14 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 24, 2026: 3.55% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 9 Month CD 3.35% 3.40% 9 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 5 Month CD 3.25% 3.30% 5 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 5 times
2.80%3.30%3.80%Sep 24, 2026: 3.30% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 16 Month CD 3.06% 3.10% 16 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 24, 2026: 3.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 36 Month CD 2.96% 3.00% 36 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 48 Month CD 2.96% 3.00% 48 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 60 Month CD 2.96% 3.00% 60 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 7 Month Easy-Out CD 2.96% 3.00% 7 Month
Min Deposit $5,000
Min Balance $500
Details Easy-Out CD*
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 24 Month CD 2.13% 2.15% 24 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Sep 24, 2026: 2.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 12 Month CD 1.49% 1.50% 12 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 6 Month CD 1.49% 1.50% 6 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 24, 2026: 1.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 3 Month CD 1.00% 1.00% 3 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 30 Month CD 0.35% 0.35% 30 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 24, 2026: 0.35% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 18 Month CD 0.20% 0.20% 18 Month
Min Deposit $500
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 24, 2026: 0.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business 17 Month Easy-Out CD 0.15% 0.15% 17 Month
Min Deposit $5,000
Min Balance $500
Details Easy-Out CD*
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 24, 2026: 0.15% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Savings Rates

Product Rate APY View More
High-Yield Savings Qualifying Rate 3.15% 3.20%
Min Deposit $10
Min Balance $10
Details ***The High-Yield Savings account requires a minimum deposit of $10.00 to open. The qualifying rate of 3.20% APY (3.15% interest rate) is earned on balances of $10.00 or more. Balances below $10.00 will earn the Base Rate of 0.05% APY (0.05% interest rate).
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
NextGen Savings 1.00% 1.00%
Min Deposit $0
Min Balance $0
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
NextGen Savings 0.50% 0.50%
Min Deposit $0
Min Balance $500
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
School Savings 0.10% 0.10%
Min Deposit $1
Min Balance $1
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Club Account 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
High-Yield Savings Base Rate 0.05% 0.05%
Min Deposit $10
Min Balance $0
Details ***The High-Yield Savings account requires a minimum deposit of $10.00 to open. The qualifying rate of 3.20% APY (3.15% interest rate) is earned on balances of $10.00 or more. Balances below $10.00 will earn the Base Rate of 0.05% APY (0.05% interest rate).
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Passbook Savings 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Personal Savings 0.05% 0.05%
Details * A Personal Checking Account is required to open the EZ $ave Deposit Account. ** Upon the student reaching age 19, the bank, after giving you notice in writing, will transfer the account to another savings account at the bank. ***The base interest rate on your account is 0.05% with an annual percentage yield (APY) of 0.05%. Your interest rate and APY may change. If the owner's and co-owner's cumulative checking account balances are at least $5,000 each day during the statement cycle, the qualifying interest rate will be paid to the High-Yield savings account.
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Statement Savings 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Variable IRA Savings Account 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Business Savings Rates

Product Rate APY View More
Business Client Escrow Savings 0.05% 0.05%
Min Deposit $100
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business Statement Savings 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Money Market Rates

Product Rate APY View More
Performance Money Market Account 0.40% 0.40%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Performance Money Market Account 0.30% 0.30%
Min Deposit $1,000
Min Balance $50,000
Details Balance: $50,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Performance Money Market Account 0.20% 0.20%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - $49,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Money Market Account 0.15% 0.15%
Min Deposit $1,000
Min Balance $1,000
Details Balance: $1,000 - $9,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Performance Money Market Account 0.15% 0.15%
Min Deposit $1,000
Min Balance $10,000
Details Balance: $10,000 - $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Money Market Account 0.05% 0.05%
Min Deposit $1,000
Min Balance $10
Details Balance: $10 - $999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Performance Money Market Account 0.05% 0.05%
Min Deposit $1,000
Min Balance $10
Details Balance: $10 - $9,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Business Money Market Rates

Product Rate APY View More
Business Money Market 0.40% 0.40%
Min Deposit $1,000
Min Balance $500,000
Details Balance: $500,000 and over
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business Money Market 0.30% 0.30%
Min Deposit $1,000
Min Balance $100,000
Details Balance: $100,000 - $499,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Sep 27, 2026: 0.30% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business Money Market 0.20% 0.20%
Min Deposit $1,000
Min Balance $25,000
Details Balance: $25,000 - $99,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Sep 27, 2026: 0.20% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Business Money Market 0.15% 0.15%
Min Deposit $1,000
Min Balance $10
Details Balance: $10 - $24,999.99
Last Updated 10/11/2026
Rate History
No change since Sep 27, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 27, 2026: 0.15% APYSep 27, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Checking Rates

Product Rate APY View More
Rewards Checking 0.25% 0.25%
Min Deposit $10
Min Balance $0
Details On balances up to $25,000
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Rewards Checking Base Rate 0.05% 0.05%
Details Assumes a principal balance of $35,000.00. APY earned depends on the actual principal balance.
Last Updated 10/11/2026
Rate History
No change since Oct 11, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 11, 2026: 0.05% APYOct 11, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Rewards Checking 0.01% 0.01%
Min Deposit $10
Min Balance $0
Details Base Rate
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 24, 2026: 0.01% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Business Checking Rates

Product Rate APY View More
Business Cash Management Checking 1.25% 1.25%
Min Deposit $100
Min Balance $0
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 15, 2026: 1.25% APYSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Mortgage Rates

Product Rate Points APR Term View More
Welcome Home- 10/1-Year Adjustable Rate (30-Year Term) Loan 5.00% - 5.844% 30-Year
Details Fully Indexed Rate: 7.250%
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 5.68% → 5.84% ▲ 0.16 pts · high 5.84% / low 5.68%
5.18%5.76%6.34%Sep 15, 2026: 5.68% APRSep 24, 2026: 5.72% APROct 1, 2026: 5.84% APRSep 15, 2026Oct 13, 2026
  • Oct 1, 20265.84%▲ from 5.72%
  • Sep 24, 20265.72%▲ from 5.68%
  • Sep 15, 20265.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
FTHB - 10/1-Year Adjustable Rate Loan 5.25% - 6.001% 30-Year
Details Fully Indexed Rate: 7.250%; Monthly Principal and Interest Payment per $1,000 Borrowed*: $5.52 (120 payments); Monthly Principal and Interest Payment per $1,000 After First Adjustment*: $6.48 (240 payments); Schedule an Appointment
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.84% → 6.00% ▲ 0.16 pts · high 6.00% / low 5.84%
5.34%5.92%6.50%Sep 15, 2026: 5.84% APROct 7, 2026: 6.00% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.00%▲ from 5.84%
  • Sep 15, 20265.84%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Welcome Home - 30-Year Fixed Rate 6.00% - 6.058% 30-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.68% → 6.06% ▲ 0.38 pts · high 6.06% / low 5.68%
5.18%5.87%6.56%Sep 15, 2026: 5.68% APRSep 27, 2026: 6.06% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20266.06%▲ from 5.68%
  • Sep 15, 20265.68%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
FTHB - 7/1-Year Adjustable Rate Loan 5.125% - 6.221% 30-Year
Details Fully Indexed Rate: 7.250%; Monthly Principal and Interest Payment per $1,000 Borrowed*: $5.44 (84 payments); Monthly Principal and Interest Payment per $1,000 After First Adjustment*: $6.57 (276 payments); Schedule an Appointment
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.04% → 6.22% ▲ 0.18 pts · high 6.22% / low 6.04%
5.54%6.13%6.72%Sep 15, 2026: 6.04% APROct 7, 2026: 6.22% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.22%▲ from 6.04%
  • Sep 15, 20266.04%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
10-Year Fixed-Rate 6.00% 0 6.327% 10-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 5.95% → 6.33% ▲ 0.38 pts · high 6.33% / low 5.95%
5.45%6.14%6.83%Sep 15, 2026: 5.95% APRSep 24, 2026: 6.33% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.33%▲ from 5.95%
  • Sep 15, 20265.95%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
10/1-Year Adjustable-Rate (30-Year Term) Loan 5.75% - 6.399% 30-Year
Details Fully Indexed Rate: 7.250%
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.15% → 6.40% ▲ 0.25 pts · high 6.40% / low 6.15%
5.65%6.28%6.90%Sep 15, 2026: 6.15% APRSep 24, 2026: 6.36% APROct 7, 2026: 6.40% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.40%▲ from 6.36%
  • Sep 24, 20266.36%▲ from 6.15%
  • Sep 15, 20266.15%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
FTHB - 5/1-Year Adjustable Rate Loan 5.00% - 6.417% 30-Year
Details Fully Indexed Rate: 7.250%; Monthly Principal and Interest Payment per $1,000 Borrowed*: $5.37 (60 payments); Monthly Principal and Interest Payment per $1,000 After First Adjustment*: $6.64 (300 payments); Schedule an Appointment
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.22% → 6.42% ▲ 0.19 pts · high 6.42% / low 6.22%
5.72%6.32%6.92%Sep 15, 2026: 6.22% APROct 7, 2026: 6.42% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.42%▲ from 6.22%
  • Sep 15, 20266.22%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
15-Year Fixed-Rate 6.25% 0 6.485% 15-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.11% → 6.49% ▲ 0.38 pts · high 6.49% / low 6.11%
5.61%6.30%6.99%Sep 15, 2026: 6.11% APRSep 24, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.49%▲ from 6.11%
  • Sep 15, 20266.11%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
7/1-Year Adjustable-Rate (30-Year Term) Loan 5.50% - 6.486% 30-Year
Details Fully Indexed Rate: 7.250%
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24%
5.74%6.36%6.99%Sep 15, 2026: 6.24% APRSep 24, 2026: 6.43% APROct 7, 2026: 6.49% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.49%▲ from 6.43%
  • Sep 24, 20266.43%▲ from 6.24%
  • Sep 15, 20266.24%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
15-Year Fixed-Rate 6.125% 1 6.519% 15-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.14% → 6.52% ▲ 0.38 pts · high 6.52% / low 6.14%
5.64%6.33%7.02%Sep 15, 2026: 6.14% APRSep 24, 2026: 6.52% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.52%▲ from 6.14%
  • Sep 15, 20266.14%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
15-Year Fixed-Rate 6.00% 2 6.555% 15-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.17% → 6.56% ▲ 0.38 pts · high 6.56% / low 6.17%
5.67%6.36%7.06%Sep 15, 2026: 6.17% APRSep 24, 2026: 6.56% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.56%▲ from 6.17%
  • Sep 15, 20266.17%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
FTHB - 30-Year Fixed Rate 6.50% - 6.561% 30-Year
Details Schedule an Appointment
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.06% → 6.56% ▲ 0.50 pts · high 6.56% / low 6.06%
5.56%6.31%7.06%Sep 15, 2026: 6.06% APROct 7, 2026: 6.56% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.56%▲ from 6.06%
  • Sep 15, 20266.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30-Year Fixed-Rate 6.25% 2 6.588% 30-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.33% → 6.59% ▲ 0.26 pts · high 6.59% / low 6.33%
5.83%6.46%7.09%Sep 15, 2026: 6.33% APRSep 24, 2026: 6.59% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.59%▲ from 6.33%
  • Sep 15, 20266.33%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
5/1-Year Adjustable-Rate (30-Year Term) Loan 5.25% - 6.592% 30-Year
Details Fully Indexed Rate: 7.250%
Last Updated 10/11/2026
Rate History
2 changes since Sep 15, 2026 · 6.40% → 6.59% ▲ 0.20 pts · high 6.59% / low 6.40%
5.90%6.49%7.09%Sep 15, 2026: 6.40% APRSep 24, 2026: 6.52% APROct 7, 2026: 6.59% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.59%▲ from 6.52%
  • Sep 24, 20266.52%▲ from 6.40%
  • Sep 15, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30-Year Fixed-Rate 6.375% 1 6.616% 30-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.36% → 6.62% ▲ 0.25 pts · high 6.62% / low 6.36%
5.86%6.49%7.12%Sep 15, 2026: 6.36% APRSep 24, 2026: 6.62% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.62%▲ from 6.36%
  • Sep 15, 20266.36%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30-Year Fixed-Rate 6.50% 0 6.644% 30-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.39% → 6.64% ▲ 0.25 pts · high 6.64% / low 6.39%
5.89%6.52%7.14%Sep 15, 2026: 6.39% APRSep 24, 2026: 6.64% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.64%▲ from 6.39%
  • Sep 15, 20266.39%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
20-Year Fixed-Rate 6.50% 0 6.69% 20-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.31% → 6.69% ▲ 0.38 pts · high 6.69% / low 6.31%
5.81%6.50%7.19%Sep 15, 2026: 6.31% APRSep 24, 2026: 6.69% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.69%▲ from 6.31%
  • Sep 15, 20266.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
20-Year Fixed-Rate 6.375% 1 6.693% 20-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.31% → 6.69% ▲ 0.38 pts · high 6.69% / low 6.31%
5.81%6.50%7.19%Sep 15, 2026: 6.31% APRSep 24, 2026: 6.69% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.69%▲ from 6.31%
  • Sep 15, 20266.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
20-Year Fixed-Rate 6.25% 2 6.697% 20-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.31% → 6.70% ▲ 0.38 pts · high 6.70% / low 6.31%
5.81%6.51%7.20%Sep 15, 2026: 6.31% APRSep 24, 2026: 6.70% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20266.70%▲ from 6.31%
  • Sep 15, 20266.31%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
15-Year Fixed-Rate 6.75% - 7.171% 15-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.06% → 7.17% ▲ 1.11 pts · high 7.17% / low 6.06%
4.95%6.62%8.28%Sep 15, 2026: 6.06% APRSep 24, 2026: 7.17% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20267.17%▲ from 6.06%
  • Sep 15, 20266.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
30-Year Fixed-Rate 7.00% - 7.262% 30-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.42% → 7.26% ▲ 0.85 pts · high 7.26% / low 6.42%
5.57%6.84%8.11%Sep 15, 2026: 6.42% APRSep 24, 2026: 7.26% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20267.26%▲ from 6.42%
  • Sep 15, 20266.42%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
20-Year Fixed-Rate 7.00% - 7.341% 20-Year
No additional details.
Last Updated 10/11/2026
Rate History
1 change since Sep 15, 2026 · 6.30% → 7.34% ▲ 1.04 pts · high 7.34% / low 6.30%
5.26%6.82%8.38%Sep 15, 2026: 6.30% APRSep 24, 2026: 7.34% APRSep 15, 2026Oct 13, 2026
  • Sep 24, 20267.34%▲ from 6.30%
  • Sep 15, 20266.30%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
USDA Rural Development Mortgage Loan (30-Year Term) 7.875% - 8.047% 30-Year
Details Schedule an Appointment
Last Updated 10/11/2026
Rate History
3 changes since Sep 15, 2026 · 7.41% → 8.05% ▲ 0.63 pts · high 8.05% / low 7.41%
6.78%7.73%8.68%Sep 15, 2026: 7.41% APRSep 24, 2026: 7.54% APROct 1, 2026: 7.92% APROct 7, 2026: 8.05% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20268.05%▲ from 7.92%
  • Oct 1, 20267.92%▲ from 7.54%
  • Sep 24, 20267.54%▲ from 7.41%
  • Sep 15, 20267.41%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan - - 6.25% 5 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.25% APR · checked 8 times
5.75%6.25%6.75%Sep 15, 2026: 6.25% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 6.50% 10 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.50% APR · checked 8 times
6.00%6.50%7.00%Sep 15, 2026: 6.50% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 6.625% 15 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.63% APR · checked 8 times
6.13%6.63%7.13%Sep 15, 2026: 6.63% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Equity Loan - - 6.75% 20 years
No additional details.
Last Updated 10/11/2026
Rate History
No change since Sep 15, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 15, 2026: 6.75% APRSep 15, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%

Florence Bank Other Rates

Product Rate Points APY/APR Term View More
1-Year Adjustable-Rate (10-Year Term) (Margin of 3.75%) Loan 7.00% - 8.328% 10-Year
Details Fully Indexed Rate: 8.250%; Margin of 3.75%
Last Updated 10/11/2026
Rate History
No change since Oct 7, 2026 · 8.33% APR · checked 2 times
7.83%8.33%8.83%Oct 7, 2026: 8.33% APROct 7, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Home Possible (30-Year Term) Loan 7.875% - 8.038% 30-Year
Details Schedule an Appointment
Last Updated 10/11/2026
Rate History
3 changes since Sep 15, 2026 · 7.40% → 8.04% ▲ 0.63 pts · high 8.04% / low 7.40%
6.77%7.72%8.67%Sep 15, 2026: 7.40% APRSep 24, 2026: 7.53% APROct 3, 2026: 7.91% APROct 7, 2026: 8.04% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20268.04%▲ from 7.91%
  • Oct 3, 20267.91%▲ from 7.53%
  • Sep 24, 20267.53%▲ from 7.40%
  • Sep 15, 20267.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
EZ $ave 0.05% - 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
Security Deposit Account 0.05% - 0.05%
Min Deposit $10
Min Balance $10
Last Updated 10/11/2026
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 24, 2026: 0.05% APYSep 24, 2026Oct 13, 2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.70%
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.
Powered by MonitorBankRates

Financial Health History

Florence Bank’s Texas Ratio fell from 4.08% in Q3 2023 to 2.70% in Q2 2026, so its financial health has improved and is now 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.

0% 1.0★ 1.4% 2.0★ 2.8% 3.0★ 4.1% 4.0★ 5.5% 5.0★ Healthy zone – entire history below the 15% limit 4.08% A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 A+ Q1 2026 2.70% A+ Q2 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
June 30, 2026$2.0B2.70%5.0A+
March 31, 2026$2.0B2.88%5.0A+
December 31, 2025$2.0B1.26%5.0A+
September 30, 2025$2.0B1.52%5.0A+
June 30, 2025$1.9B1.27%5.0A+
March 31, 2025$2.0B1.89%5.0A+
December 31, 2024$2.0B1.94%5.0A+
September 30, 2024$2.1B1.57%5.0A+
June 30, 2024$2.1B1.50%5.0A+
March 31, 2024$2.1B2.06%5.0A+
December 31, 2023$1.9B2.11%5.0A+
September 30, 2023$1.9B4.08%5.0A+
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 Florence Bank 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 Florence Bank 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 Florence Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Florence Bank
Bank Holding Company FLORENCE BCORP MHC
Address 85 Main St, Florence, MA 01062  ·  Hampshire
Website https://www.florencebank.com
FDIC Certificate # 23293
Established 18730214
FDIC Insurance Date 19810102
Domestic Offices 13
Total Branches 14
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
2.70%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.7211%
Return on Equity (ROE) 6.8300%
Non-Performing Loans (NPL) 0.29%
Total Assets $2,014,204,000
Total Deposits $1,785,228,000
Equity Capital $216,389,000
Net Income $7,259,000
Headquarters Florence
Total Branches and Offices 13
Source: FDIC  |  Last Updated 06/30/2026
MonitorBankRates Verified Healthy Badge Q2 2026
Q2 2026 MBR Health & Safety Badge

Florence Bank 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.

<a href="https://www.monitorbankrates.com/banks/florence-bank-rates-review-23293">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

Elana Victor
★★★★★
March 8, 2024
Could not live without the support I get from Jenny Sharp at the Bank in Amherst, Mass.
Log in to reply Are you from Florence Bank and want to reply to a review? Log in or register and verify yourself to reply as a representative from Florence Bank.
Want to discuss Florence Bank with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for Florence Bank
Your Name:
Your Rating:

Frequently Asked Questions About Florence Bank

How many branches does Florence Bank operate?

Florence Bank currently maintains approximately 14 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, Florence Bank 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, Florence Bank provides members with tools to manage their accounts and build a solid financial history.

Does Florence Bank offer online and mobile banking?

Most modern institutions like Florence Bank 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.florencebank.com.

Current Florence Bank Rates

  • 12-Month CD1.50%
  • 18-Month CD0.15%
  • 24-Month CD2.15%
  • 36-Month CD3.00%
  • 48-Month CD3.00%
  • 60-Month CD3.00%
  • Savings3.20%
  • MMA0.40%
Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

Northwestern Mutual Wealth Management First Bank of Coastal Georgia Brentwood Bank Pacific National Bank Charles Schwab Trust Bank NBKC Bank Texas Bank and Trust Bank of Halls First Farmers & Merchants National Bank Peoples Bank (NC) United Pacific Bank 22nd State Bank Riverview Bank Peoples Savings Bank Urbana OH BlueHarbor Bank The Citizens Bank of Philadelphia (MS) Pikes Peak Bank TrustCo Bank Union State Bank Olsburg, KS Bank of Utah Luminate Bank