What are the current interest rates at Profinium, Inc.?

Current rates for Profinium, Inc. include: 12-Month CD: 3.00%, 18-Month CD: 2.80%, 24-Month CD: 2.70%, 36-Month CD: 2.70%, 48-Month CD: 2.70%, 60-Month CD: 2.70%

MonitorBankRates

☰

Home›
Banks›
Profinium, Inc.

iAdvertiser Disclosure

Profinium, Inc. Rates & Review October 2026

Q: How many branches does Profinium, Inc. operate?

Profinium, Inc. currently maintains approximately 4 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, Profinium, Inc. 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, Profinium, Inc. 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 12, 2026

Profinium, Inc.'s top rates as of October 12, 2026 are 3.95% APY on its Special 17-Month CD, 3.36% APY on checking, and credit cards from 12.00% APR, according to rates verified by MonitorBankRates. Other Profinium, Inc. CD rates include Special 17-Month Certificate of Deposit at 3.95%, Special 7-Month CD at 3.85%, and Special 7-Month Certificate of Deposit at 3.85%. MonitorBankRates evaluates the financial stability of Profinium, Inc. with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.05%. Rates last updated and verified on 10/12/2026.

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

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

1.05%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Profinium, Inc.

414 N 5th Ave E
Truman, MN 56088

https://www.profinium.com

Customer Reviews

Be the first to 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.

Profinium, Inc. CD Rates

Product	Rate	APY	Term
Special 17 Month CD	-	3.95%	17 Month
Min Balance $0 Details Automatically renews upon maturity to a 18 month CD term. Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55% Oct 8, 20263.95%▲ from 3.55% Sep 24, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Special 17 Month Certificate of Deposit	3.89%	3.95%	17 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.55% → 3.95% ▲ 0.40 pts · high 3.95% / low 3.55% Oct 8, 20263.95%▲ from 3.55% Sep 24, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Special 7 Month CD	-	3.85%	7 Month
Min Balance $0 Details Interest is paid at maturity. Automatically renews upon maturity to a 6 month CD term. Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 8, 20263.85%▲ from 3.65% Sep 24, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Special 7 Month Certificate of Deposit	3.82%	3.85%	7 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 24, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 8, 20263.85%▲ from 3.65% Sep 24, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Special 27 Month CD	-	3.75%	27 Month
Min Balance $0 Details Automatically renews upon maturity to a 24 month CD term. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Special 27 Month Certificate of Deposit	3.70%	3.75%	27 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
182 Day Certificate of Deposit	3.13%	3.15%	182 Day
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
12 Month Certificate of Deposit/IRA	2.97%	3.00%	12 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
18 Month Certificate of Deposit/IRA	2.77%	2.80%	18 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
24 Month Certificate of Deposit/IRA	2.67%	2.70%	24 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
36 Month Certificate of Deposit/IRA	2.67%	2.70%	36 Month
Min Deposit $500 Details Bump up feature available for 36-month CD. Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
48 Month Certificate of Deposit/IRA	2.67%	2.70%	48 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
60 Month Certificate of Deposit/IRA	2.67%	2.70%	60 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Profinium, Inc. Savings Rates

Product	Rate	APY	View More
Pro Saver	-	0.25%
Min Deposit $25 Min Balance $25 Details No monthly service charge when minimum balance requirements are met.; $5.00 will be imposed each month if the average monthly balance amount is lower than $25.00; Minimum Balance Fee waived for those age 25 and younger Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Profinium, Inc. Checking Rates

Product	Rate	APY	View More
PRO REWARDS Checking	-	3.36%
Min Balance $0 Details Qualifications Required: 10 or more debit card purchase post and settle; At least one direct deposit or automatic payment (ACH - Automated Clearing House) post and settle; Qualifying balance up to $15,000.00; 0.38% on balances $15,000.01 and greater; 0.03% on accounts that do not meet the qualifications Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.36% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Profinium, Inc. Credit Card Rates

Product	Rate	APR	View More
Business Rewards Credit Card	-	12.00%
Details Published APR range: 12.00% - 18.00%. Regular APR: 12.00% - 18.00% APR. Your APRs are variable, except the Penalty interest rate. Because the Prime Rate can change, your variable interest rate-and therefore your payment-may increase or decrease accordingly. From the 1st day of each billing period, we apply APRs based on the published prime rate 10 business days before the beginning of that billing period. To determine your APRs, we add to the prime rate: 5.00 - 11.00 percentage points or the maximum allowed by law for purchases, balance transfers, and for cash advances, based on your creditworthiness. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 14.50% → 12.00% ▼ 2.50 pts · high 14.50% / low 12.00% Oct 8, 202612.00%▼ from 14.50% Sep 16, 202614.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

Profinium, Inc. Other Rates

Product	Rate	Points	APY/APR
Pro LISA	-	-	0.53%
Min Deposit $5,000 Min Balance $0 Details No monthly service charge when minimum balance requirements are met.; $10.00 will be imposed each month if the average monthly balance amount is lower than $5,000.00; Balance: $0.00 - $250,000.00 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Pro LISA	-	-	0.73%
Min Deposit $5,000 Min Balance $250,000 Details No monthly service charge when minimum balance requirements are met.; $10.00 will be imposed each month if the average monthly balance amount is lower than $5,000.00; Balance: $250,000.01 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 0.73% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Pro LISA	-	-	1.03%
Min Deposit $5,000 Min Balance $500,000 Details No monthly service charge when minimum balance requirements are met.; $10.00 will be imposed each month if the average monthly balance amount is lower than $5,000.00; Balance: $500,000 and above Last Updated 10/12/2026 Rate History No change since Sep 24, 2026 · 1.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%
Pro Prime	-	-	0.53%
Min Deposit $250,000 Min Balance $0 Details No monthly service charge when minimum balance requirements are met.; For balances under $250,000.00 the APY is 0.53%. Visit www.wsj.com (Opens in a new Window)for current Prime Rate. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.53% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.05%

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

Profinium, Inc.’s Texas Ratio fell from 4.25% in Q3 2023 to 1.05% 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.

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	$533M	1.05%	5.0	A+
March 31, 2026	$524M	1.53%	5.0	A+
December 31, 2025	$523M	1.36%	5.0	A+
September 30, 2025	$517M	1.99%	5.0	A+
June 30, 2025	$519M	1.76%	5.0	A+
March 31, 2025	$519M	2.05%	5.0	A+
December 31, 2024	$534M	2.10%	5.0	A+
September 30, 2024	$518M	3.70%	5.0	A+
June 30, 2024	$529M	4.29%	5.0	A+
March 31, 2024	$519M	4.41%	5.0	A+
December 31, 2023	$530M	4.07%	5.0	A+
September 30, 2023	$505M	4.25%	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 Profinium, Inc. 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 Profinium, Inc. 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 Profinium, Inc.'s official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Profinium, Inc.

Bank Holding Company PROFINIUM FINL HOLDINGS INC

Address 414 N 5th Ave E, Truman, MN 56088 · Martin

Website https://www.profinium.com

FDIC Certificate # 1905

Established 19160512

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FED

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

1.05%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9234%

Return on Equity (ROE) 10.0900%

Non-Performing Loans (NPL) 0.10%

Total Assets $533,111,000

Total Deposits $455,057,000

Equity Capital $49,638,000

Net Income $2,431,000

Headquarters Truman

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Profinium, Inc. 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/profinium-inc-rates-review-1905">
  <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

There are no reviews for Profinium, Inc. yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Profinium, Inc.

Frequently Asked Questions About Profinium, Inc.

How many branches does Profinium, Inc. operate?

Profinium, Inc. 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, Profinium, Inc. 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, Profinium, Inc. provides members with tools to manage their accounts and build a solid financial history.

Does Profinium, Inc. offer online and mobile banking?

Most modern institutions like Profinium, Inc. 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.profinium.com.