Prosperity Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews (2024)

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Prosperity Bank Deposit Rates

Today's 12-month CD rates can be found at 4.75%, 6-month CD rates at 5.06% and 3-month CD rates at 1.31%. Current savings rates are at 0.10% and money market rates are at 2.00%. Mortgage rates today on 30-year fixed loans are around 7.05%. Credit Card rates are at 9.20%. Personal Loan rates are at 10.50%. All these rates, and more, can be found in our database of rates. Prosperity Bank's 7-Month CD rates are at 5.05%.

To see how these rates compare to Prosperity Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Prosperity Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Prosperity Bank CD rates. You can also compare Prosperity Bank savings rates, MMA rates and mortgage rates using our other rate lists.

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

Prosperity Bank Texas Ratio

Prosperity Bank's Texas Ratio is at 0.60%, which is considered excellent. The Texas Ratio for Prosperity Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Prosperity Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate

APY/APR

vs Avg

12-Month CD

N/A

2.74%

18-Month CD

N/A

2.42%

24-Month CD

N/A

2.34%

36-Month CD

N/A

2.19%

48-Month CD

N/A

2.09%

60-Month CD

N/A

2.22%

Savings

N/A

0.90%

MMA

N/A

1.54%

30-Year Fixed

N/A

7.12%

Credit Card

N/A

14.06%

Personal Loan

N/A

11.27%

Prosperity Bank

1301 N Mechanic St
El Campo, TX 77437

https://www.prosperitybankusa.com

MonitorBankRates' Rating

5/5

★★★★★

Review Prosperity Bank

Prosperity Bank CD Rates and Interest Rates

Prosperity Bank

7-Month CD

5.05%

$1,000

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Prosperity Bank Rates with Other Competitive Bank and Credit Union Rates

Legacy Bank Colwich, KS

11-Month CD (special)

5.25%

$5,000

Wisconsin River Bank

9-Month CD special

5.08%

$1,000

Northeast Bank Portland, ME

12-Month CD

5.00%

$5,000

PyraMax Bank

6-Month CD special

5.00%

$5,000

121 Financial Credit Union

24-Month CD

4.65%

$500

Ameriprise Financial

18-Month CD

4.55%

Pioneer Bank Albany, NY

13-Month CD

4.50%

$500

Murray Bank

12-Month CD

4.45%

$1,000

Portage Community Bank

Neighbor Rewards Checking

4.00%

EagleBank

60-Month CD

3.85%

$1,000

Beacon Community Bank

48-Month CD

3.75%

$250

Union Bank, Inc.

Money Market Deposit Account Plus

3.56%

$250,000

Lake-Osceola State Bank

25-Month CD (special)

3.55%

$10,000

Vio Bank

36-Month CD

3.50%

$500

Lake Central Bank

36-Month CD

3.50%

$1,000

Phoenixville Federal B&T

48-Month CD

3.30%

$500

Bank of Prague

48-Month CD

3.12%

$1,000

Corebank

12-Month CD

3.05%

Mortgage Rates May 17, 2024

1st Northern California Credit Union

7-Year Fixed

4.990%

5.287%

0.500

Mutual Security Credit Union

5/1 ARM

5.500%

5.614%

0.000

1st Northern California Credit Union

10-Year Fixed

5.500%

5.716%

0.500

1st Northern California Credit Union

15-Year Fixed

5.625%

5.777%

0.500

McCoy Federal Credit Union

10 Year Fixed

5.500%

5.820%

0.000

Mutual Security Credit Union

7/1 ARM

5.750%

5.834%

0.000

Institution for Savings

15-Year Fixed

5.500%

5.868%

2.000

1st Northern California Credit Union

15-Year Fixed Jumbo

5.750%

5.883%

0.500

NESC Federal Credit Union

5/5 ARM

5.750%

5.886%

0.000

Investment Savings Bank

3/1 ARM

6.000%

5.892%

0.000

Chase Bank

15-Year Fixed

5.750%

5.910%

0.000

Wrentham Co-operative Bank

15-Year Fixed

5.870%

5.970%

0.000

Wrentham Co-operative Bank

15-Year Fixed Jumbo

5.875%

5.970%

0.000

First Community Credit Union

5/5 ARM

5.950%

5.998%

0.000

Mutual Security Credit Union

15-Year Fixed

6.000%

6.043%

0.000

Wells Fargo

15 Year Fixed

5.750%

6.046%

1.000

Navy Federal Credit Union

3/5 Conforming ARM

5.000%

6.053%

0.250

NESC Federal Credit Union

15 Year Fixed

6.000%

6.056%

0.000

Navy Federal Credit Union

3/5 Jumbo ARM

5.000%

6.063%

0.250

Security Service Federal Credit Union

10-Year Power Rate Fixed

5.750%

6.068%

0.000

One Nevada Credit Union

15 Year Fixed

5.875%

6.079%

1.000

Abound Federal Credit Union

5-Year ARM

6.000%

6.084%

0.000

Abound Federal Credit Union

7-Year ARM

6.000%

6.084%

0.000

Security Service Federal Credit Union

15-Year Power Rate Fixed

5.875%

6.101%

0.000

Sheboygan Area Credit Union

7 Year Fixed

6.000%

6.121%

0.000

Disclaimer

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Prosperity Bank Information

Prosperity Bank

1301 N Mechanic St
El Campo, TX 77437
Wharton
Established Date: 09/13/1949
FDIC Certificate #: 16835
Date of FDIC Deposit Insurance: 09/13/1949

Bank Holding Company: PROSPERITY BANCSHARES INC

How Many Domestic U.S. Offices? 308

How Many Branches are There? 325

Website: https://www.prosperitybankusa.com

Is Prosperity Bank FDIC Insured? Yes

What is Prosperity Bank's Cert number? 16835

What is the maximum amount for insured deposits? $250,000 per holder, per account

Prosperity Bank Financials

Total Assets:

$37,828,891,000

Total Deposits:

$27,065,033,000

Equity Capital:

$6,721,712,000

Domestic Deposits:

$27,065,033,000

Net Income:

$127,601,000

Return on Assets:

1.3923%

Quarterly Return on Assets:

1.3500%

Pretax Return on Assets:

1.7169%

Pretax Quarterly Return on Assets:

1.7200%

Return on Equity:

8.1100%

Quarterly Return on Equity:

7.6200%

Common Equity Tier 1 Capital Ratio:

15.3975%

Tier 1 Risk-Based Capital Ratio:

15.3975%

Leverage Tier 1 (Core Capital) Ratio:

9.9166%

Total Risk-Based Capital Ratio (YTD):

16.0440%

Total Interest Income (YTD):

3.1424%

Headquarters:

El Campo

FDIC Field Office:

Houston

Regulator:

FDIC

County:

Wharton

# of Offices:

308

Metropolitan Statistical Area (MSA):

Consolidated Metropolitan Statistical Area (CMSA):

OTS Region:

West

FDIC Region:

Dallas

Source: FDIC

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FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, aratio of 100% or higher,the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

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