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Advertiser Disclosure
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 The MINT National Bank Rates & Review October 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: October 26, 2026
The MINT National Bank's Certificates of Deposit - 15-Month (SPECIAL) rates are at 4.35%, Certificates of Deposit - 12-Month Variable IRA rates are at 3.50%, Certificates of Deposit - 12-Month rates are at 3.50%, Certificates of Deposit - 180 Days (SPECIAL) rates are at 3.50%, Certificates of Deposit - 18-Month rates are at 3.10%. The MINT National Bank's savings rates are at 1.00%. The MINT National Bank's money market rates are at 3.35%. The MINT National Bank's checking rates are as high as 0.50%. MonitorBankRates evaluates the financial stability of The MINT National Bank with a 4.2 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 24.15%. Rates last updated and verified on 10/26/2026. The MINT National 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 The MINT National Bank? Share your experience about The MINT National Bank by leaving a review below, or read customer reviews before you decide to use The MINT National Bank. 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. The MINT National Bank CD Rates
The MINT National Bank Savings Rates
The MINT National Bank Money Market Rates
The MINT National Bank Checking Rates
Financial Health HistoryThe MINT National Bank’s Texas Ratio rose from 3.18% in Q3 2023 to 24.15% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.2 and its Health Grade from A+ to B-. 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)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for The MINT National 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 The MINT National 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 The MINT National Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
The MINT National Bank
Website
https://www.themint.bank/
Address
1213 Kingwood Dr,
Kingwood, TX 77339 · Harris
Bank Holding Company
MINT HOLDINGS INC THE
FDIC Certificate #
58764
Regulator
OCC
Established
January 5, 2009
FDIC Insurance Date
January 5, 2009
Domestic Offices
1
Total Branches
1
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.2 / 5.0 ★
Overall Health & Safety Grade
B- (80/100)
Texas Ratio
24.15%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.4406%
Return on Equity (ROE)
8.1200%
Non-Performing Loans Ratio (NPL)
2.27%
Total Assets
$388,937,000
Total Deposits
$306,456,000
Equity Capital
$71,140,000
Net Income
$2,841,000
Headquarters
Kingwood
Total Branches and Offices
1
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for The MINT National Bank
Frequently Asked Questions About The MINT National BankDoes The MINT National Bank offer CDs?Yes. The MINT National Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. CD rates verified by MonitorBankRates as of October 26, 2026 include 4.35% APY on its Certificates of Deposit - 15-Month (SPECIAL), 3.50% APY on its Certificates of Deposit - 12-Month Variable IRA and 3.50% APY on its Certificates of Deposit - 12-Month. Are CDs from The MINT National Bank FDIC insured?Yes. The MINT National Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at The MINT National Bank?The highest CD rate MonitorBankRates has verified for The MINT National Bank is 4.35% APY on its 15-Months Certificates of Deposit - 15-Month (SPECIAL), as of October 26, 2026. What CD terms does The MINT National Bank offer?The The MINT National Bank CD terms MonitorBankRates tracks include 12 month, 15 month, 18 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 3.10% to 4.35% APY. The institution may offer other terms or specials that are not listed here, so check with The MINT National Bank for its full lineup. What is the highest savings rate at The MINT National Bank?The highest savings rate MonitorBankRates has verified for The MINT National Bank is 1.00% APY on its MonuMINT Savings, as of October 26, 2026. What is the highest money market rate at The MINT National Bank?The highest money market rate MonitorBankRates has verified for The MINT National Bank is 3.35% APY on its ManageMINT Emerald MMA (Money Market), as of October 26, 2026. What is the highest checking rate at The MINT National Bank?The highest checking rate MonitorBankRates has verified for The MINT National Bank is 0.50% APY on its MonuMINT Checking Plus, as of October 26, 2026. How many branches does The MINT National Bank operate?The MINT National Bank currently maintains approximately 1 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, The MINT National 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, The MINT National Bank provides members with tools to manage their accounts and build a solid financial history. Does The MINT National Bank offer online and mobile banking?Most modern institutions like The MINT National 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.themint.bank/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do The MINT National Bank rates compare?The MINT National Bank's top rates are 4.35% APY on its 15-Months Certificates of Deposit - 15-Month (SPECIAL), 1.00% APY on its MonuMINT Savings, 3.35% APY on its ManageMINT Emerald MMA (Money Market) and 0.50% APY on its MonuMINT Checking Plus, verified by MonitorBankRates on October 26, 2026. Current The MINT National Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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