What are the current interest rates at Fowler State Bank Fowler, IN?

Current rates for Fowler State Bank Fowler, IN include: 12-Month CD: 1.76%, 24-Month CD: 1.96%, 36-Month CD: 2.06%, 48-Month CD: 2.16%, 60-Month CD: 2.41%, Savings: 1.00%

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Fowler State Bank Fowler, IN

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Fowler State Bank Fowler, IN Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Fowler State Bank Fowler, IN 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 14, 2026

Fowler State Bank Fowler, IN's top rates as of October 14, 2026 are 3.79% APY on its 5-Months Certificate of Deposit - 5-Month, and 1.00% APY on savings, according to rates verified by MonitorBankRates. Other Fowler State Bank Fowler, IN CD rates include 60-Months Certificate of Deposit - 60-Month at 2.41%, 48-Months Certificate of Deposit - 48-Month at 2.16%, and 36-Months Certificate of Deposit - 36-Month at 2.06%. MonitorBankRates evaluates the financial stability of Fowler State Bank Fowler, IN with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.75%. Rates last updated and verified on 10/14/2026.

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

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

2.75%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Fowler State Bank

300 E 5th St
Fowler, IN 47944

https://www.fowlerstatebank.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.

Fowler State Bank Fowler, IN CD Rates

Product	Rate	APY	Term
Certificate of Deposit - 5 month	3.75%	3.79%	5 months
Min Deposit $50,000 Details Compounding: Maturity; Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.81% → 3.79% ▼ 0.02 pts · high 3.81% / low 3.79% Oct 3, 20263.79%▼ from 3.81%* Sep 14, 20263.81%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 60 month	2.40%	2.41%	60 months
Min Deposit $1,000 Details Compounding: Semi-Annually; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.41% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 48 month	2.15%	2.16%	48 months
Min Deposit $1,000 Details Compounding: Semi-Annually; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.16% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 36 month	2.05%	2.06%	36 months
Min Deposit $1,000 Details Compounding: Semi-Annually; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.06% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 24 month	1.95%	1.96%	24 months
Min Deposit $1,000 Details Compounding: Semi-Annually; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.96% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 12 month	1.75%	1.76%	12 months
Min Deposit $1,000 Details Compounding: Semi-Annually; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 6 month	1.70%	1.71%	6 months
Min Deposit $1,000 Details Compounding: Maturity; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.71% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 3 month	1.50%	1.51%	3 months
Min Deposit $1 Details Compounding: Maturity; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Certificate of Deposit - 8-80	1.30%	1.31%	8-80
Min Deposit $1,000 Details Compounding: Maturity; Term unit not printed on page; *Penalties may be applied for early withdrawal, and fees may reduce earnings. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.31% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Fowler State Bank Fowler, IN Savings Rates

Product	Rate	APY
Freedom Savings	1.00%	1.00%
Min Balance $1,000,000 Details Balance: over $1,000,000; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Healthcare Savings Account (HSA)	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 +; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Statement Savings	1.00%	1.00%
Min Balance $1,000,000 Details Balance: over $1,000,000; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Freedom Savings	0.85%	0.85%
Min Balance $100,000 Details Balance: $100,000 - $999,999; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Statement Savings	0.85%	0.85%
Min Balance $100,000 Details Balance: $100,000 - $999,999; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Christmas Club	0.50%	0.50%
Min Deposit $5 Details Compounding Frequency: Annually; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Freedom Savings	0.50%	0.50%
Min Deposit $5 Min Balance $0 Details Balance: $0 - $99,999; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Healthcare Savings Account (HSA)	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - 9,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Statement Savings	0.50%	0.50%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $99,999; Compounding Frequency: Quarterly; Variable rate Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

Fowler State Bank Fowler, IN Other Rates

Product	Rate	Points	APY/APR
Gold	1.00%	-	1.00%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Gold	1.25%	-	1.26%
Min Deposit $50,000 Min Balance $100,000 Details Balance: $100,000 - $299,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Gold	1.50%	-	1.51%
Min Deposit $50,000 Min Balance $300,000 Details Balance: $300,000 - $499,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 1.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Gold	1.95%	-	1.96%
Min Deposit $50,000 Min Balance $500,000 Details Balance: $500,000 - $999,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 1.96% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Gold	2.25%	-	2.27%
Min Deposit $50,000 Min Balance $1,000,000 Details Balance: > $1,000,000; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Select Consumer	0.10%	-	0.10%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $4,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Select Consumer	0.25%	-	0.25%
Min Deposit $100 Min Balance $5,000 Details Balance: > $5,000; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Select Non-Consumer	0.10%	-	0.10%
Min Deposit $100 Min Balance $1,500 Details Balance: $1,500 - $49,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Select Non-Consumer	0.20%	-	0.20%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $249,999; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%
Select Non-Consumer	0.75%	-	0.75%
Min Deposit $100 Min Balance $250,000 Details Balance: > $250,000; Compounding: Monthly Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.75%

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.
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Financial Health History

Fowler State Bank Fowler, IN’s Texas Ratio rose from 1.13% in Q3 2023 to 2.75% 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	$190M	2.75%	5.0	A+
March 31, 2026	$190M	1.52%	5.0	A+
December 31, 2025	$203M	1.81%	5.0	A+
September 30, 2025	$198M	2.95%	5.0	A+
June 30, 2025	$199M	1.05%	5.0	A+
March 31, 2025	$194M	2.33%	5.0	A+
December 31, 2024	$204M	2.35%	5.0	A+
September 30, 2024	$198M	2.47%	5.0	A+
June 30, 2024	$199M	2.30%	5.0	A+
March 31, 2024	$203M	1.61%	5.0	A+
December 31, 2023	$211M	1.21%	5.0	A+
September 30, 2023	$202M	1.13%	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 Fowler State Bank Fowler, IN 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 Fowler State Bank Fowler, IN 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 Fowler State Bank Fowler, IN's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Fowler State Bank Fowler, IN

Website https://www.fowlerstatebank.com

Address 300 E 5th St, Fowler, IN 47944 · Benton

Bank Holding Company BENTON FINANCIAL CORP

FDIC Certificate # 1821

Regulator FDIC

Established December 14, 1931

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.75%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.1893%

Return on Equity (ROE)

8.1600%

Non-Performing Loans Ratio (NPL)

0.42%

Total Assets

$190,332,000

Total Deposits

$149,304,000

Equity Capital

$28,718,000

Net Income

$1,158,000

Headquarters

Fowler

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Fowler State Bank Fowler, IN earned the Verified Healthy badge

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Frequently Asked Questions About Fowler State Bank Fowler, IN

How many branches does Fowler State Bank Fowler, IN operate?

Fowler State Bank Fowler, IN currently maintains approximately 3 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, Fowler State Bank Fowler, IN 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, Fowler State Bank Fowler, IN provides members with tools to manage their accounts and build a solid financial history.

Does Fowler State Bank Fowler, IN offer online and mobile banking?

Most modern institutions like Fowler State Bank Fowler, IN 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.fowlerstatebank.com.