What are the current interest rates at Home National Bank Racine, OH?

Current rates for Home National Bank Racine, OH include: 24-Month CD: 1.57%, 36-Month CD: 1.57%, 48-Month CD: 1.83%, 60-Month CD: 1.83%

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Home National Bank Racine, OH

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Home National Bank Racine, OH Rates & Review May 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Home National Bank Racine, OH 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: May 5, 2026

Home National Bank Racine, OH's Certificate of Deposit (CD) 60-Month rates are at 1.92%, Certificate of Deposit (CD) 36 - 47-Month rates are at 1.83%, Certificate of Deposit (CD) 48 - 59-Month rates are at 1.83%, Certificate of Deposit (CD) 12 - 23-Month rates are at 1.57%, Certificate of Deposit (CD) 24 - 35-Month rates are at 1.57%. MonitorBankRates evaluates the financial stability of Home National Bank Racine, OH with a 5.0 Star Rating, an A- Overall Health Grade, and a Texas Ratio of 17.74%. Rates were last updated on 05/05/2026.

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

Overall Health & Safety Grade

A-

Very Good Health Score: 91/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

17.74%

Good Higher than avg

Home National Bank Racine, OH

502 Elm St
Racine, OH 45771

https://www.homenatlbank.com

Home National Bank Racine, OH CD Rates

Product	Rate	APY	Term
Certificate of Deposit (CD) 60 Month	1.90%	1.92%	60
Min Deposit $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Certificate of Deposit (CD) 36 - 47 Month	1.81%	1.83%	47 Month
Min Deposit $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Certificate of Deposit (CD) 48 - 59 Month	1.81%	1.83%	59 Month
Min Deposit $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Certificate of Deposit (CD) 12 - 23 Month	1.56%	1.57%	23 Month
Min Deposit $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%
Certificate of Deposit (CD) 24 - 35 Month	1.56%	1.57%	35 Month
Min Deposit $100,000 Last Updated 05/05/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.42%

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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Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Home National Bank Racine, OH 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 Home National Bank Racine, OH 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 Home National Bank Racine, OH's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Home National Bank Racine, OH

Bank Holding Company RACINE HNB INC

Address 502 Elm St, Racine, OH 45771 · Meigs

Website https://www.homenatlbank.com

FDIC Certificate # 6680

Established 04/10/1910

FDIC Insurance Date 01/01/1934

Domestic Offices 4

Total Branches 4

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A-

Overall Health Grade Score: 91/100

5.0

Exceptional Out of 5.0 Stars

17.74%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9669%

Return on Equity (ROE) 11.6400%

Non-Performing Loans (NPL) 1.34%

Total Assets $89,914,000

Total Deposits $78,712,000

Equity Capital $8,750,000

Net Income $544,000

Headquarters Racine

Total Offices 4

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Home National Bank Racine, OH

Is Home National Bank Racine, OH a safe place to deposit money?

Yes, Home National Bank Racine, OH is considered a safe financial institution. With a Texas Ratio of 17.736461561163%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Home National Bank Racine, OH operate?

Home National Bank Racine, OH currently maintains approximately 4 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, Home National Bank Racine, OH 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, Home National Bank Racine, OH provides members with tools to manage their accounts and build a solid financial history.

Does Home National Bank Racine, OH offer online and mobile banking?

Most modern institutions like Home National Bank Racine, OH 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.homenatlbank.com.