What are the current interest rates at Warsaw Federal S&L?

Current rates for Warsaw Federal S&L include: 12-Month CD: 0.25%, 18-Month CD: 0.30%, 24-Month CD: 0.50%, 36-Month CD: 0.40%, 48-Month CD: 0.45%, 60-Month CD: 0.65%, Savings: 3.04%, MMA: 3.56%

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Warsaw Federal S&L Rates & Review October 2026

Q: How many branches does Warsaw Federal S&L operate?

Warsaw Federal S&L currently maintains approximately 1 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, Warsaw Federal S&L 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, Warsaw Federal S&L 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

Warsaw Federal S&L's top rates as of October 14, 2026 are 4.15% APY on its 25-Months 25-Month CD Special, 3.04% APY on savings, 3.56% APY on money market accounts, and 0.15% APY on checking, according to rates verified by MonitorBankRates. Other Warsaw Federal S&L CD rates include 13-Months 13-Month CD Special at 3.95%, 7-Months 7-Month CD Special at 3.75%, and 47-Months 47-Month CD Special at 3.03%. MonitorBankRates evaluates the financial stability of Warsaw Federal S&L with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.25%. Rates last updated and verified on 10/14/2026.

Warsaw Federal S&L 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 Warsaw Federal S&L? Share your experience about Warsaw Federal S&L by leaving a review below, or read customer reviews before you decide to use Warsaw Federal S&L.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.25%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Warsaw Federal S&L

3533 Warsaw Ave
Cincinnati, OH 45205

https://www.warsawfederal.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.

Warsaw Federal S&L CD Rates

Product	Rate	APY	Term
25-Month CD Special	4.09%	4.15%	25 months
Min Balance $1,000 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 4.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
13-Month CD Special	3.89%	3.95%	13 months
Min Balance $1,000 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
7-Month CD Special	3.70%	3.75%	7 months
Min Balance $1,000 Details Open Online; Early withdrawal penalties may apply. Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.75% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
47-Month CD Special	3.00%	3.03%	47 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.03% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
60-Month CD	0.65%	0.65%	60 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
27 month Jump Rate CD	0.55%	0.55%	27 months
Min Deposit $500 Details 27-month life; one rate jump allowed after 6 months; renews for 24 months at maturity; As of 10/14/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.55% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
24-Month CD	0.50%	0.50%	24 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
30-Month CD	0.45%	0.45%	30 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
48-Month CD	0.45%	0.45%	48 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.45% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
36-Month CD	0.40%	0.40%	36 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
18-Month CD	0.30%	0.30%	18 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
6 Month DirectSave CD	0.30%	0.30%	6 months
Min Deposit $250 Min Balance $25 Details Balance: $25 minimum to earn stated rate; Minimum deposit to open $250.00; at least one electronic deposit per month ($25.00 minimum) required; account matures 6 months from opening; automatic renewal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
12-Month CD	0.25%	0.25%	12 months
Min Balance $500 Details Open Online Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
9-Month CD	0.25%	0.25%	9 months
Min Balance $500 Details Open Online; *$500.00 Minimum deposit to open. Early withdrawal penalties may apply. Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
6-Month CD	0.20%	0.20%	6 months
Min Balance $500 Details Open Online; *$500.00 Minimum deposit to open. Early withdrawal penalties may apply. Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
3-Month CD	0.10%	0.10%	3 months
Min Balance $500 Details Open Online; *$500.00 Minimum deposit to open. Early withdrawal penalties may apply. Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%

Warsaw Federal S&L Savings Rates

Product	Rate	APY
Uplift Savings	3.00%	3.04%
Min Balance $50 Last Updated 10/14/2026 Rate History No change since Sep 7, 2026 · 3.04% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Health Savings Account	0.50%	0.50%
Min Deposit $50 Min Balance $50,000 Details Balance: Balances of $50,000 or more; Setup fee $10; No monthly fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Health Savings Account	0.35%	0.35%
Min Deposit $50 Min Balance $25,000 Details Balance: Balance $25,000 to $49,999; Setup fee $10; No monthly fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Health Savings Account	0.25%	0.25%
Min Deposit $50 Min Balance $0 Details Balance: Balances under $25,000; Setup fee $10; No monthly fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
IRA Statement Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.25%	0.25%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 or more; Monthly fee waived if daily balance is at least $100 Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 3.14% → 0.25% ▼ 2.89 pts · high 3.14% / low 0.25% Oct 14, 20260.25%▼ from 3.14% Sep 19, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.25%	0.25%
Min Deposit $50 Min Balance $100,000 Details Balance: $100,000 or more; Open Online; $1 monthly fee waived if average daily balance is at least $100; Setup fee: Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 3.14% → 0.25% ▼ 2.89 pts · high 3.14% / low 0.25% Oct 14, 20260.25%▼ from 3.14% Sep 19, 20263.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
IRA Statement Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 or $99,999 (as printed) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.15%	0.15%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 to $99,999; Monthly fee waived if daily balance is at least $100 Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 0.35% → 0.15% ▼ 0.20 pts · high 0.35% / low 0.15% Oct 14, 20260.15%▼ from 0.35% Sep 19, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.15%	0.15%
Min Deposit $50 Min Balance $50,000 Details Balance: $50,000 to $99,999; Open Online; $1 monthly fee waived if average daily balance is at least $100; Setup fee: Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 0.35% → 0.15% ▼ 0.20 pts · high 0.35% / low 0.15% Oct 14, 20260.15%▼ from 0.35% Sep 19, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
IRA Statement Savings	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000 to $49,999 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.10%	0.10%
Min Deposit $10 Min Balance $25,000 Details Balance: $25,000 to $49,999; Monthly fee waived if daily balance is at least $100 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.10%	0.10%
Min Deposit $50 Min Balance $25,000 Details Balance: $25,000 to $49,999; Open Online; $1 monthly fee waived if average daily balance is at least $100; Setup fee: Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
IRA Statement Savings	0.05%	0.05%
Details Balance: under $25,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: under $25,000; Monthly fee waived if daily balance is at least $100 Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 0.35% → 0.05% ▼ 0.30 pts · high 0.35% / low 0.05% Oct 14, 20260.05%▼ from 0.35% Sep 19, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Statement Savings	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Balance: under $25,000; Open Online; $1 monthly fee waived if average daily balance is at least $100; Setup fee: Last Updated 10/14/2026 Rate History 1 change since Sep 19, 2026 · 0.35% → 0.05% ▼ 0.30 pts · high 0.35% / low 0.05% Oct 14, 20260.05%▼ from 0.35% Sep 19, 20260.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%

Warsaw Federal S&L Money Market Rates

Product	Rate	APY
Thrive Money Market	3.50%	3.56%
Min Balance $500,000 Details Balance: $500,000 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.56% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Thrive Money Market	3.25%	3.30%
Min Balance $250,000 Details Balance: $250,000 - $500,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Thrive Money Market	3.10%	3.14%
Min Balance $100,000 Details Balance: $100,000 to $250,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.14% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Select Money Market	0.40%	0.40%
Min Deposit $10,000 Min Balance $100,000 Details Balance: $100,000 or more; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Thrive Money Market	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000 to $100,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Select Money Market	0.20%	0.20%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000 to $99,999; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Select Money Market	0.05%	0.05%
Min Deposit $10,000 Min Balance $0 Details Balance: under $25,000; $10 monthly fee is waived if daily balance is at least $10,000 Last Updated 10/14/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%

Warsaw Federal S&L Checking Rates

Product	Rate	APY
Preferred Interest Checking	0.15%	0.15%
Min Deposit $50 Min Balance $1,500 Details Balance: $1,500 or more Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Advantage 50 Interest Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details For customers 50 years of age or older; Monthly fee $0; Complimentary personalized checks for life Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Direct Interest Checking	0.05%	0.05%
Min Deposit $50 Min Balance $0 Details Qualifications Required; Direct deposit or automatic payment enables the interest rate; Monthly fee $0; Rates as of 10/14/2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%
Preferred Interest Checking	0.05%	0.05%
Min Deposit $50 Min Balance $1,500 Details Balance: Under $1,500 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.25%

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

Warsaw Federal S&L’s Texas Ratio rose from 2.11% in Q3 2023 to 10.25% 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 3.6 to 5.0 and its Health Grade from B 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	$109M	10.25%	5.0	A
March 31, 2026	$100M	11.26%	5.0	A
December 31, 2025	$101M	11.35%	5.0	A
September 30, 2025	$102M	4.60%	5.0	A+
June 30, 2025	$93M	4.21%	5.0	A+
March 31, 2025	$94M	4.44%	5.0	A+
December 31, 2024	$94M	5.33%	5.0	A+
September 30, 2024	$107M	5.49%	4.1	B+
June 30, 2024	$105M	6.41%	3.4	B-
March 31, 2024	$105M	8.78%	3.4	C+
December 31, 2023	$97M	3.66%	4.0	B+
September 30, 2023	$97M	2.11%	3.6	B

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 Warsaw Federal S&L 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 Warsaw Federal S&L 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 Warsaw Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Warsaw Federal S&L

Bank Holding Company FIRST MUTUAL HOLDING CO

Address 3533 Warsaw Ave, Cincinnati, OH 45205 · Hamilton

Website https://www.warsawfederal.com

FDIC Certificate # 28217

Established 18930101

FDIC Insurance Date 19890809

Domestic Offices 1

Total Branches 1

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) -0.0815%

Return on Equity (ROE) -0.7400%

Non-Performing Loans (NPL) 1.07%

Total Assets $108,524,000

Total Deposits $71,890,000

Equity Capital $11,343,000

Net Income $-42,000

Headquarters Cincinnati

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Warsaw Federal S&L 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Warsaw Federal S&L

How many branches does Warsaw Federal S&L operate?

Warsaw Federal S&L 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, Warsaw Federal S&L 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, Warsaw Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Warsaw Federal S&L offer online and mobile banking?

Most modern institutions like Warsaw Federal S&L 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.warsawfederal.com.