What are the current interest rates at First Secure State Bank?

Current rates for First Secure State Bank include: Savings: 0.05%

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First Secure State Bank

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First Secure State Bank Rates & Review October 2026

Q: How many branches does First Secure State Bank operate?

First Secure State Bank currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Secure State 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 11, 2026

First Secure State Bank's top rates as of October 11, 2026 are 0.50% APY on its Elite CD Checking, 0.05% APY on savings, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other First Secure State Bank CD rates include Elite CD Checking at 0.30%, Elite CD Checking at 0.15%, and Elite CD Checking at 0.10%. MonitorBankRates evaluates the financial stability of First Secure State Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.92%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.92%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

First Secure State Bank

7526 Hancock Dr
Wonder Lake, IL 60097

https://www.thestatebankgroup.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.

First Secure State Bank Savings Rates

Product	Rate	APY	View More
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%

First Secure State Bank Checking Rates

Product	Rate	APY
Achieve Checking	0.15%	0.15%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Achieve Checking	0.10%	0.10%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00 to $4,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Dash Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details If Requirements are met up to .40% Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Dash Checking	0.05%	0.05%
Min Deposit $100 Min Balance $15,000 Details Balance: $15,000.01+ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%

First Secure State Bank Other Rates

Product	Rate	Points	APY/APR
Elite CD Checking	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $20,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Elite CD Checking	0.10%	-	0.10%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000.01 to $99,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Elite CD Checking	0.15%	-	0.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Elite CD Checking	0.30%	-	0.30%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000.00 to $499,999.99 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%
Elite CD Checking	0.50%	-	0.50%
Min Deposit $100 Min Balance $500,000 Details Balance: $500,000.00 to $999,999,999 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.92%

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

First Secure State Bank’s Texas Ratio stayed near 6.99% in Q3 2023 to 6.92% in Q2 2026, so its financial health has held steady at a healthy level 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	$306M	6.92%	5.0	A
March 31, 2026	$305M	13.65%	5.0	A
December 31, 2025	$302M	6.49%	5.0	A
September 30, 2025	$301M	7.28%	5.0	A
June 30, 2025	$299M	23.74%	4.3	B-
March 31, 2025	$297M	8.40%	5.0	A
December 31, 2024	$294M	16.35%	4.9	A-
September 30, 2024	$291M	8.45%	5.0	A
June 30, 2024	$286M	4.73%	5.0	A+
March 31, 2024	$281M	5.94%	5.0	A+
December 31, 2023	$282M	6.27%	5.0	A
September 30, 2023	$284M	6.99%	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 First Secure State 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 First Secure State 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 First Secure State Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Secure State Bank

Bank Holding Company FIRST SECURE BANK GROUP INC

Address 7526 Hancock Dr, Wonder Lake, IL 60097 · Mchenry

Website https://www.thestatebankgroup.com

FDIC Certificate # 22971

Established 19791022

FDIC Insurance Date 19791022

Domestic Offices 7

Total Branches 7

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.92%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6414%

Return on Equity (ROE) 5.1800%

Non-Performing Loans (NPL) 0.86%

Total Assets $305,633,000

Total Deposits $249,305,000

Equity Capital $38,004,000

Net Income $975,000

Headquarters Wonder Lake

Total Branches and Offices 7

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

First Secure State 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.

<a href="https://www.monitorbankrates.com/banks/state-bank-wonder-lake-il-rates-review-22971">
  <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.

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Frequently Asked Questions About First Secure State Bank

How many branches does First Secure State Bank operate?

First Secure State Bank currently maintains approximately 7 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, First Secure State 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, First Secure State Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Secure State Bank offer online and mobile banking?

Most modern institutions like First Secure State 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.thestatebankgroup.com.