What are the current interest rates at Old National Bank?

Current rates for Old National Bank include: 12-Month CD: 4.15%, 18-Month CD: 4.15%

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Old National Bank Rates & Review October 2026

Q: How many branches does Old National Bank operate?

Old National Bank currently maintains approximately 360 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Old National 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Old National Bank 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

Old National Bank's top rates as of October 14, 2026 are 4.15% APY on its 11-Months 11-Month CD, and 7.00% on its Purchase 15 Year Fixed mortgage, according to rates verified by MonitorBankRates. Other Old National Bank CD rates include 17-Months 17-Month CD at 4.15%. Other Old National Bank mortgage rates include Refinance - 15 Year Fixed at 7.00%, Jumbo 30 Yr Purchase Loan at 7.25%, and Purchase Jumbo 30 Year Loan at 7.25%. MonitorBankRates evaluates the financial stability of Old National Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.98%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.98%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Old National Bank

1 Main St
Evansville, IN 47708

https://www.oldnational.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.

Old National Bank CD Rates

Product	Rate	APY	Term
11-Month CD	4.07%	4.15%	11 months
Min Deposit $500 Min Balance $500 Details Balance: $500 or more; Maximum deposit to receive rate is $5,000,000; Open in person at a banking center; Advertised rate for new 11-month CD; Public funds, institutional funds and brokered CDs not eligible Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 14, 20264.15%▲ from 4.00% Sep 27, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
17-Month CD	4.07%	4.15%	17 months
Min Deposit $500 Min Balance $500 Details Balance: $500 or more; Maximum deposit to receive rate is $5,000,000; Open in person at a banking center; Advertised rate for new 17-month CD; Public funds, institutional funds and brokered CDs not eligible Last Updated 10/14/2026 Rate History 1 change since Sep 27, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 14, 20264.15%▲ from 4.00% Sep 27, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

Old National Bank Mortgage Rates

Product	Rate	Points	APR	Term
Purchase 15 Year Fixed	7.00%	-	7.083%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - 15 Year Fixed	7.00%	-	7.083%	15 years
Details Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.08% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Jumbo 30 Yr Purchase Loan	7.25%	-	7.262%	30 years
Details Principal & Interest Payment: $6,821.76; Jumbo loan; LTV 75% (25% down payment); loan amount $1,000,000; credit score 780 or higher; owner occupied single family; 60-day lock; minimum loan amount $832,751 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.01% → 7.26% ▲ 0.25 pts · high 7.26% / low 7.01% Sep 27, 20267.26%▲ from 7.01% Sep 15, 20267.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Purchase Jumbo 30 Year Loan	7.25%	-	7.262%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - Jumbo 30 Year	7.25%	-	7.262%	30 years
Details Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Purchase 30 Year Fixed	7.375%	-	7.427%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.43% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Purchase VA 30 Year Loan	7.25%	-	7.541%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.54% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - VA 30 Year	7.25%	-	7.541%	30 years
Details Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History 4 changes since Sep 18, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04% Oct 14, 20267.54%▼ from 7.92% Oct 7, 20267.92%▲ from 7.42% Sep 27, 20267.42%▲ from 7.16% Sep 24, 20267.16%▲ from 7.04% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
VA 30 Yr Purchase Loan	7.25%	-	7.541%	30 years
Details Principal & Interest Payment: $1,186.37; Rate example assumes credit score 680 or higher, LTV 100%, 45-day lock; rate subject to change daily Last Updated 10/14/2026 Rate History 5 changes since Sep 15, 2026 · 7.04% → 7.54% ▲ 0.50 pts · high 7.92% / low 7.04% Oct 14, 20267.54%▼ from 7.92% Oct 7, 20267.92%▲ from 7.54% Oct 1, 20267.54%▲ from 7.42% Sep 27, 20267.42%▲ from 7.16% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - 30 Year Fixed	7.50%	-	7.553%	30 years
Details Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.55% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
FHA 30 Yr Purchase Loan	7.25%	-	9.565%	30 years
Details Principal & Interest Payment: $1,179.99; Credit score 640 or higher; LTV 96.5% (3.5% down payment); Base loan amount of $170,000; Total loan amount of $172,975; 45-day lock Last Updated 10/14/2026 Rate History 2 changes since Sep 15, 2026 · 8.96% → 9.57% ▲ 0.60 pts · high 9.57% / low 8.96% Sep 27, 20269.57%▲ from 9.26% Sep 24, 20269.26%▲ from 8.96% Sep 15, 20268.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Purchase FHA 30 Year Loan	7.25%	-	9.569%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Refinance - FHA 30 Year	7.25%	-	9.569%	30 years
Details Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 9.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

Old National Bank Other Rates

Product	Rate	Points	APY/APR	Term
15 Yr Fixed Purchase	7.00%	-	7.083%	15 years
Details Conventional Fixed-Rate Mortgage; Principal & Interest Payment: $2,067.31; Assumptions: credit score 780 or higher, LTV 80% (20% down payment), loan amount $230,000, purchase, owner occupied/single family home, no secondary financing, escrow for taxes and insurance, 45-day lock Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 6.71% → 7.08% ▲ 0.38 pts · high 7.21% / low 6.71% Oct 14, 20267.08%▼ from 7.21% Oct 1, 20267.21%▲ from 6.96% Sep 24, 20266.96%▲ from 6.71% Sep 15, 20266.71%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
30 Yr Fixed Purchase	7.375%	-	7.427%	30 years
Details Conventional Fixed-Rate Mortgage; Principal & Interest Payment: $1,588.55; Assumptions: credit score 780 or higher, LTV 80% (20% down payment), loan amount $230,000, purchase, owner occupied/single family home, no secondary financing, escrow for taxes and insurance, 45-day lock Last Updated 10/14/2026 Rate History 3 changes since Sep 15, 2026 · 7.18% → 7.43% ▲ 0.25 pts · high 7.55% / low 7.18% Oct 14, 20267.43%▼ from 7.55% Oct 1, 20267.55%▲ from 7.30% Sep 24, 20267.30%▲ from 7.18% Sep 15, 20267.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Construction 30 Yr Loan	7.25%	-	7.313%	30 years
Details Principal & Interest Payment: $1,569.01; Credit score 740 or higher; LTV 80% (20% down payment); Loan amount $230,000; One-time close construction; 1-year construction phase followed by 30-year permanent phase; Finance charges include $1,350 origination fee, $6.70 flood certification fee and $72 tax service fee Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 7.06% → 7.31% ▲ 0.25 pts · high 7.31% / low 7.06% Sep 27, 20267.31%▲ from 7.06% Sep 15, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Purchase Construction 30 Year Loan	7.25%	-	7.313%
Details Purchase rate; Advertised rates effective as of 10/13/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.31% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Market Monitor	3.79%	-	3.85%
Min Deposit $50 Min Balance $20,000 Details Balance: $20,000.00 or more; New money deposit offer: $20,000 in new money not on deposit at Old National as of August 31, 2026, funded within 15 calendar days of account opening; Rate guaranteed through December 31, 2026 for accounts opened September 1, 2026 to December 1, 2026; Personal accounts and personal trusts only; $25 fee if closed within 180 days; Available at banking centers or online in IA, IL, IN, KY, MI, MN, ND, TN, WI Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%
Market Monitor	0.05%	-	0.05%
Details Balance: $0.00 - $19,999.99; $25 fee if closed within 180 days Last Updated 10/14/2026 Rate History 1 change since Sep 18, 2026 · 3.85% → 0.05% ▼ 3.80 pts · high 3.85% / low 0.05% Sep 27, 20260.05%▼ from 3.85% Sep 18, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.98%

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.

Financial Health History

Old National Bank’s Texas Ratio stayed near 4.87% in Q3 2023 to 4.98% 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; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

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	$73.9B	4.98%	5.0	A+
March 31, 2026	$72.6B	5.60%	5.0	A+
December 31, 2025	$71.8B	5.86%	5.0	A+
September 30, 2025	$71.0B	6.74%	5.0	A
June 30, 2025	$70.7B	7.22%	5.0	A
March 31, 2025	$53.6B	7.02%	5.0	A
December 31, 2024	$53.2B	6.90%	5.0	A
September 30, 2024	$53.3B	6.78%	5.0	A
June 30, 2024	$52.8B	5.52%	5.0	A+
March 31, 2024	$49.2B	5.79%	5.0	A+
December 31, 2023	$48.8B	4.84%	5.0	A+
September 30, 2023	$48.8B	4.87%	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 Old National 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 Old National 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 Old National Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Old National Bank

Website https://www.oldnational.com

Address 1 Main St, Evansville, IN 47708 · Vanderburgh

Bank Holding Company OLD NATIONAL BCORP

FDIC Certificate # 3832

Regulator OCC

Established August 27, 1907

FDIC Insurance Date January 1, 1934

Domestic Offices 361

Total Branches 360

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.98%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.4064%

Return on Equity (ROE)

12.4400%

Non-Performing Loans Ratio (NPL)

0.63%

Total Assets

$73,857,462,000

Total Deposits

$56,985,995,000

Equity Capital

$8,356,262,000

Net Income

$511,569,000

Headquarters

Evansville

Total Branches and Offices

361

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

Old National 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.

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       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Old National Bank

How many branches does Old National Bank operate?

Old National Bank currently maintains approximately 360 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, Old National 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, Old National Bank provides members with tools to manage their accounts and build a solid financial history.

Does Old National Bank offer online and mobile banking?

Most modern institutions like Old National 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.oldnational.com.