What are the current interest rates at FNB of Hope?

Current rates for FNB of Hope include: 12-Month CD: 1.20%, 18-Month CD: 1.20%, 24-Month CD: 1.40%, 36-Month CD: 1.46%, 48-Month CD: 1.51%, 60-Month CD: 1.56%, Savings: 0.20%

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FNB of Hope Rates & Review October 2026

Q: How many branches does FNB of Hope operate?

FNB of Hope currently maintains approximately 3 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, FNB of Hope 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, FNB of Hope 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

FNB of Hope's top rates as of October 14, 2026 are 4.11% APY on its IRA Certificate of Deposit - 12-Month Variable, 0.20% APY on savings, and 0.35% APY on checking, according to rates verified by MonitorBankRates. Other FNB of Hope CD rates include 11-Months 11-Month CD at 4.01%, 7-Months 7-Month CD at 3.78%, and IRA Certificate of Deposit - 36-Month Fixed Rate at 3.56%. MonitorBankRates evaluates the financial stability of FNB of Hope with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.59%. Rates last updated and verified on 10/14/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.59%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

FNB of Hope

112 N Main St
Hope, KS 67451

https://www.fnbks.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.

FNB of Hope CD Rates

Product	Rate	APY	Term
IRA Certificate of Deposit - 12-Month Variable	4.03%	4.11%	12-Month
Min Deposit $500 Details Variable rate based on 91 Day Treasury Bill, adjusted monthly; guaranteed minimum 3.610% APR with 3.680% APY (effective 4/1/2026 - 3/31/2027); Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 4.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
11 Month CD	4.00%	4.01%	11 months
Min Deposit $10,000 Details Compounding: At Maturity; Renewal: Regular 12 Month CD Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 4.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
7 Month CD	3.75%	3.78%	7 months
Min Deposit $10,000 Details Compounding: At Maturity; Renewal: Regular 182 Day CD Last Updated 10/14/2026 Rate History 1 change since Sep 16, 2026 · 3.63% → 3.78% ▲ 0.15 pts · high 3.78% / low 3.63% Sep 24, 20263.78%▲ from 3.63% Sep 16, 20263.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
IRA Certificate of Deposit - 36-Month Fixed Rate	3.50%	3.56%	36-Month
Min Deposit $500 Details Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 3.56% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
IRA Certificate of Deposit - 60-Month Fixed Rate	2.50%	2.53%	60-Month
Min Deposit $5,000 Details Early withdrawal: less than or equal to 1 year = 60 days interest, more than 1 year = 182 day interest Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 2.53% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60-Month CD - Preferred Customer	1.85%	1.86%	60 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.86% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48-Month CD - Preferred Customer	1.80%	1.81%	48 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.81% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36-Month CD - Preferred Customer	1.75%	1.76%	36 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60-Month CD - Preferred Customer	1.75%	1.76%	60 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.76% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24-Month CD - Preferred Customer	1.70%	1.71%	24 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30-Month CD - Preferred Customer	1.70%	1.71%	30 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48-Month CD - Preferred Customer	1.70%	1.71%	48 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.71% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36-Month CD - Preferred Customer	1.65%	1.66%	36 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
60-Month CD	1.65%	1.66%	60 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 60 Month CD - Preferred Customer	1.65%	1.66%	60 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.66% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24-Month CD - Preferred Customer	1.60%	1.61%	24 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30-Month CD - Preferred Customer	1.60%	1.61%	30 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
48-Month CD	1.60%	1.61%	48 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 5.00% → 1.61% ▼ 3.39 pts · high 5.00% / low 1.61% Oct 14, 20261.61%▼ from 5.00% Oct 3, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 48 Month CD - Preferred Customer	1.60%	1.61%	48 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.61% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
36-Month CD	1.55%	1.56%	36 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.56% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 36 Month CD - Preferred Customer	1.55%	1.56%	36 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.56% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 60 Month CD	1.55%	1.56%	60 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.56% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
24-Month CD	1.50%	1.51%	24 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
30-Month CD	1.50%	1.51%	30 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 24 Month CD - Preferred Customer	1.50%	1.51%	24 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 30 Month CD - Preferred Customer	1.50%	1.51%	30 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.51% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 48 Month CD	1.50%	1.51%	48 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History 1 change since Oct 3, 2026 · 5.00% → 1.51% ▼ 3.49 pts · high 5.00% / low 1.51% Oct 14, 20261.51%▼ from 5.00% Oct 3, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD - Preferred Customer	1.45%	1.46%	12 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.46% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD - Preferred Customer	1.45%	1.46%	18 months
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.46% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 36 Month CD	1.45%	1.46%	36 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.46% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD - Preferred Customer	1.40%	1.40%	12 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD - Preferred Customer	1.40%	1.40%	18 Months
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 24 Month CD	1.40%	1.40%	24 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 30 Month CD	1.40%	1.40%	30 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD	1.35%	1.35%	12 months
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD	1.35%	1.35%	18 months
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
12-Month CD	1.30%	1.30%	12 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
18-Month CD	1.30%	1.30%	18 Months
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 12 Month CD - Preferred Customer	1.30%	1.30%	12 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 18 Month CD - Preferred Customer	1.30%	1.30%	18 months
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 12 Month CD	1.20%	1.20%	12 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 18 Month CD	1.20%	1.20%	18 months
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.20% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD - Preferred Customer	1.15%	1.15%	182 days
Min Balance $50,000 Details Balance: $50,000.00 minimum; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD - Preferred Customer	1.10%	1.10%	182 Day
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD	1.05%	1.05%	182 days
Min Balance $50,000 Details Balance: $50,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
182-Day CD	1.00%	1.00%	182 Day
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 182 Day CD - Preferred Customer	1.00%	1.00%	182 days
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly) - Preferred Customer	0.95%	0.95%	91 days
Min Balance $50,000 Details Balance: $50,000.00 minimum; compounds quarterly; Preferred Customer rate requires a Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.95% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly) - Preferred Customer	0.90%	0.90%	91 Day
Min Deposit $10,000 Details Preferred Customer rate; requires Regular/Business checking or Free checking with at least one electronic deposit per month; Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 182 Day CD	0.90%	0.90%	182 days
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.90% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly)	0.85%	0.85%	91 days
Min Balance $50,000 Details Balance: $50,000.00 minimum; compounds quarterly Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 91 Day CD (compounds quarterly) - Preferred Customer	0.85%	0.85%	91 days
Min Balance $500 Details $500.00 minimum; Preferred Customer rate requires Regular/Business checking or Free checking account with at least one electronic deposit per month Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
91 Day CD (compounds quarterly)	0.80%	0.80%	91 Day
Min Deposit $10,000 Details Certificate of Deposit - $10,000.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.80% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Certificate of Deposit - 91 Day CD (compounds quarterly)	0.75%	0.75%	91 days
Min Balance $500 Details $500.00 minimum Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Savings Rates

Product	Rate	APY
Savings Accounts	0.20%	0.20%
Min Balance $100 Details Balance: over $100.00; Average daily balance; interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 or more; Average Daily Balance; interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.10%	0.10%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; Average Daily Balance; interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
Health Savings Account	0.05%	0.05%
Details Balance: less than $9,999.99; Average Daily Balance; interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Checking Rates

Product	Rate	APY
1st interest Checking account	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000.00 or more; *Average Daily Balance; Interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st interest Checking account	0.25%	0.25%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; *Average Daily Balance; Interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st interest Checking account	0.15%	0.15%
Min Balance $0 Details Balance: less than $9,999.99; *Average Daily Balance; Interest compounded monthly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

FNB of Hope Other Rates

Product	Rate	Points	APY/APR
1st immc account	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $9,999.99 to $49,999.99; Average Daily Balance; Interest compounded quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st immc account	0.75%	-	0.75%
Min Balance $50,000 Details Balance: $50,000.00 or more; Average Daily Balance; Interest compounded quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%
1st immc account	0.10%	-	0.10%
Details Balance: less than $9,999.99; Average Daily Balance; Interest compounded quarterly Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.59%

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

FNB of Hope’s Texas Ratio fell from 34.15% in Q3 2023 to 7.59% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.3 to 5.0 and its Health Grade from F to A. 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	$83M	7.59%	5.0	A
March 31, 2026	$86M	29.36%	3.8	C
December 31, 2025	$90M	29.09%	3.8	C
September 30, 2025	$80M	34.88%	3.3	D
June 30, 2025	$82M	40.02%	2.9	F
March 31, 2025	$85M	47.19%	2.3	F
December 31, 2024	$87M	48.45%	2.2	F
September 30, 2024	$88M	44.47%	2.5	F
June 30, 2024	$86M	20.53%	4.5	B
March 31, 2024	$84M	20.93%	4.5	B
December 31, 2023	$82M	20.72%	4.5	B
September 30, 2023	$80M	34.15%	2.3	F

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 FNB of Hope 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 FNB of Hope 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 FNB of Hope's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name FNB of Hope

Website https://www.fnbks.com

Address 112 N Main St, Hope, KS 67451 · Dickinson

Bank Holding Company HOPE BANCSHARES INC

FDIC Certificate # 4690

Regulator OCC

Established January 1, 1923

FDIC Insurance Date January 1, 1934

Domestic Offices 3

Total Branches 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.59%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8238%

Return on Equity (ROE)

9.1100%

Non-Performing Loans Ratio (NPL)

0.72%

Total Assets

$83,394,000

Total Deposits

$74,087,000

Equity Capital

$7,900,000

Net Income

$355,000

Headquarters

Hope

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

Q2 2026 MBR Health & Safety Badge

FNB of Hope earned the Verified Healthy badge

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Frequently Asked Questions About FNB of Hope

How many branches does FNB of Hope operate?

FNB of Hope currently maintains approximately 3 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, FNB of Hope 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, FNB of Hope provides members with tools to manage their accounts and build a solid financial history.

Does FNB of Hope offer online and mobile banking?

Most modern institutions like FNB of Hope 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.fnbks.com.