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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.
 Oxford Bank Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: August 30, 2026
Oxford Bank rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month CD rates are currently at 2.92%, 6-month CD rates at 2.77% and 3-month CD rates at 2.55%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Oxford Bank, and you can see how they compare in the Oxford Bank rate tables below. MonitorBankRates evaluates the financial stability of Oxford Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 12.65%. Database rates last updated and verified on 08/30/2026. Oxford 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 Oxford Bank? Share your experience about Oxford Bank by leaving a review below, or read customer reviews before you decide to use Oxford Bank. 
Current Rate AvailabilityWe're not currently displaying rates for Oxford Bank, but our database is updated constantly — check back soon for the latest offers. Are you with Oxford Bank? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates. Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Oxford 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 Oxford 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 Oxford Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Oxford Bank
Bank Holding Company
OXFORD BANK CORP
Address
60 S Washington St,
Oxford, MI 48371 · Oakland
Website
https://www.oxfordbank.com
FDIC Certificate #
9719
Established
06/04/1884
FDIC Insurance Date
01/01/1934
Domestic Offices
9
Total Branches
9
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 94/100
5.0
Exceptional
Out of 5.0 Stars
12.65%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.6793%
Return on Equity (ROE)
16.7600%
Non-Performing Loans (NPL)
0.99%
Total Assets
$1,088,968,000
Total Deposits
$965,146,000
Equity Capital
$111,825,000
Net Income
$11,361,000
Headquarters
Oxford
Total Branches and Offices
9
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsMKYi
December 17, 2025
TsUi
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Frequently Asked Questions About Oxford BankHow many branches does Oxford Bank operate?Oxford Bank currently maintains approximately 9 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, Oxford 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, Oxford Bank provides members with tools to manage their accounts and build a solid financial history. Does Oxford Bank offer online and mobile banking?Most modern institutions like Oxford 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.oxfordbank.com. Compare to Other Banks
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