What are the current interest rates at Bank of Clovis?

Current rates for Bank of Clovis include: 12-Month CD: 3.14%, 24-Month CD: 3.25%, 36-Month CD: 3.45%, 48-Month CD: 3.51%, 60-Month CD: 3.56%, Savings: 1.61%, MMA: 1.87%

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Bank of Clovis Rates & Review October 2026

Q: How many branches does Bank of Clovis operate?

Bank of Clovis 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: Is there a first-time homebuyer program?

Currently, Bank of Clovis 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, Bank of Clovis 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 15, 2026

Bank of Clovis's top rates as of October 15, 2026 are 3.66% APY on its 5 years 5-year IRA CD, 1.61% APY on savings, 1.87% APY on money market accounts, and 0.51% APY on checking, according to rates verified by MonitorBankRates. Other Bank of Clovis CD rates include 3 years 3-year IRA at 3.56%, 5 years 5-year CD at 3.56%, and 60-Months 60-Month CD Ladder - 5-Year Ladder at 3.56%. MonitorBankRates evaluates the financial stability of Bank of Clovis with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.80%. Rates last updated and verified on 10/15/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.80%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

The Bank of Clovis

300 N Main St
Clovis, NM 88101

https://www.bankofclovis.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.

Bank of Clovis CD Rates

Product	Rate	APY	Term
5-year IRA	3.60%	3.66%	5 years
Min Deposit $100 Min Balance $100 Details Early withdrawal penalty: 6 months interest on amount withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.66% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3-year IRA	3.50%	3.56%	3 years
Min Deposit $100 Min Balance $100 Details Early withdrawal penalty: 3 months interest on amount withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
5-year CD	3.50%	3.56%	5 years
Min Deposit $5,000 Min Balance $5,000 Details Early withdrawal penalty: 6 months interest on amount withdrawn; Minimum daily balance required to obtain disclosed APY; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
60 month CD Ladder - 5-Year Ladder	3.50%	3.56%	60 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum to Open & Minimum to Obtain Stated APY; Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
48 month CD Ladder - 4-Year Ladder	3.45%	3.51%	48 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum to Open & Minimum to Obtain Stated APY; Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.51% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
3-year CD	3.40%	3.45%	3 years
Min Deposit $5,000 Min Balance $5,000 Details Early withdrawal penalty: 3 months interest on amount withdrawn; Minimum daily balance required to obtain disclosed APY; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
36 month CD Ladder - 3-Year Ladder	3.40%	3.45%	36 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum to Open & Minimum to Obtain Stated APY; Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.45% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
2-year IRA	3.30%	3.35%	2 years
Min Deposit $100 Min Balance $100 Details Early withdrawal penalty: 3 months interest on amount withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
1-year IRA	3.20%	3.25%	1 year
Min Deposit $100 Min Balance $100 Details Early withdrawal penalty: 3 months interest on amount withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
2-year CD	3.20%	3.25%	2 years
Min Deposit $5,000 Min Balance $5,000 Details Early withdrawal penalty: 3 months interest on amount withdrawn; Minimum daily balance required to obtain disclosed APY; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
24 month CD Ladder - 2-Year Ladder	3.20%	3.25%	24 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum to Open & Minimum to Obtain Stated APY; Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
1-year CD	3.10%	3.14%	1 year
Min Deposit $5,000 Min Balance $5,000 Details Early withdrawal penalty: 3 months interest on amount withdrawn; Minimum daily balance required to obtain disclosed APY; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6-month IRA	3.10%	3.14%	6 months
Min Deposit $100 Min Balance $100 Details Early withdrawal penalty: 1 month interest on amount withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.14% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
12 month CD Ladder - 1-Year Ladder	3.10%	3.14%	12 months
Min Deposit $5,000 Min Balance $5,000 Details Minimum to Open & Minimum to Obtain Stated APY; Renewal Term: 60 months from initial maturity; Renewal Rate: 0.25% above regularly offered 60 month rate at maturity; Early Withdrawal Penalty: 6 months interest penalty on balance withdrawn Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.14% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%
6-month CD	3.00%	3.04%	6 months
Min Deposit $5,000 Min Balance $5,000 Details Early withdrawal penalty: 1 month interest on amount withdrawn; Minimum daily balance required to obtain disclosed APY; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History No change since Sep 30, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Bank of Clovis Savings Rates

Product	Rate	APY	View More
Savings	1.60%	1.61%
Min Deposit $100 Min Balance $100 Details Minimum daily balance must be maintained to obtain the disclosed APY; Fee(s) if below minimum balance: $10.00 per statement; Other fees/penalties: $3.00 per transaction over 10 per statement; Variable rate account, rate and APY may change after opening; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History 1 change since Sep 30, 2026 · 1.51% → 1.61% ▲ 0.10 pts · high 1.61% / low 1.51% Oct 15, 20261.61%▲ from 1.51% Sep 30, 20261.51%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Bank of Clovis Money Market Rates

Product	Rate	APY	View More
Money Market	1.85%	1.87%
Min Deposit $100 Min Balance $2,500 Details Minimum daily balance must be maintained to obtain the disclosed APY; Fee(s) if below minimum balance: $20.00 per statement; Other fees/penalties: $5.00 per transaction over 6 per statement; Variable rate account, rate and APY may change after opening; Rates current as of 10/14/2026 Last Updated 10/15/2026 Rate History 1 change since Sep 30, 2026 · 1.76% → 1.87% ▲ 0.11 pts · high 1.87% / low 1.76% Oct 15, 20261.87%▲ from 1.76% Sep 30, 20261.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Bank of Clovis Checking Rates

Product	Rate	APY	View More
Interest Checking	0.50%	0.51%
Min Deposit $100 Min Balance $1,000 Details Variable rate account; minimum daily balance must be maintained to obtain the disclosed APY; Fee if below minimum balance: $15.00 per statement; Other fees: $0.25 per check over 50 per statement Last Updated 10/15/2026 Rate History 1 change since Sep 30, 2026 · 0.50% → 0.51% ▲ 0.01 pts · high 0.51% / low 0.50% Oct 15, 20260.51%▲ from 0.50% Sep 30, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

Bank of Clovis Business Checking Rates

Product	Rate	APY	View More
Commercial Interest Checking	0.50%	0.51%
Min Deposit $100 Min Balance $5,000 Details Fee if below minimum balance: $100.00 per statement; Other fees: $0.25 per check over 150 per statement; Minimum daily balance must be maintained to obtain the disclosed APY; Variable rate account, rate and APY may change at any time after opening Last Updated 10/15/2026 Rate History 1 change since Sep 30, 2026 · 0.50% → 0.51% ▲ 0.01 pts · high 0.51% / low 0.50% Oct 15, 20260.51%▲ from 0.50% Sep 30, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.80%

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

Bank of Clovis’s Texas Ratio rose from 0.00% in Q3 2023 to 0.80% 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 — 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	$438M	0.80%	5.0	A+
March 31, 2026	$466M	0.46%	5.0	A+
December 31, 2025	$455M	0.62%	5.0	A+
September 30, 2025	$423M	0.48%	5.0	A+
June 30, 2025	$399M	1.90%	5.0	A+
March 31, 2025	$386M	2.56%	5.0	A+
December 31, 2024	$390M	1.19%	5.0	A+
September 30, 2024	$374M	0.74%	5.0	A+
June 30, 2024	$334M	0.00%	5.0	A+
March 31, 2024	$322M	0.00%	5.0	A+
December 31, 2023	$306M	0.00%	5.0	A+
September 30, 2023	$316M	0.00%	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 Bank of Clovis 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 Bank of Clovis 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 Bank of Clovis's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Bank of Clovis

Website https://www.bankofclovis.com

Address 300 N Main St, Clovis, NM 88101 · Curry

Bank Holding Company CLOVIS BANCSHARES INC

FDIC Certificate # 57022

Regulator FDIC

Established October 16, 2000

FDIC Insurance Date October 16, 2000

Domestic Offices 7

Total Branches 7

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.80%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2678%

Return on Equity (ROE)

13.0300%

Non-Performing Loans Ratio (NPL)

0.12%

Total Assets

$438,449,000

Total Deposits

$367,285,000

Equity Capital

$44,218,000

Net Income

$2,873,000

Headquarters

Clovis

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Bank of Clovis earned the Verified Healthy badge

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Frequently Asked Questions About Bank of Clovis

How many branches does Bank of Clovis operate?

Bank of Clovis 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, Bank of Clovis 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, Bank of Clovis provides members with tools to manage their accounts and build a solid financial history.

Does Bank of Clovis offer online and mobile banking?

Most modern institutions like Bank of Clovis 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.bankofclovis.com.