Monroe Federal Savings and Loan Association savings, CD and money market rates
Monroe Federal Savings and Loan Association advertises up to 2.50% APY on its Super Passbook Savings account. The 2.50% needs a balance of at least $100,000. Below that, the account advertises 1.00%.
On a $10,000 balance the account earns 1.00% overall, about $100 in a year, which is 0.63 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #375 of 2786 tracked savings rates by advertised APY. For a $10,000 balance it would rank #546. The advertised rate has not changed in the 3 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
Estimate your earnings·What Monroe Federal Savings and Loan Association actually pays
Monroe Federal Savings and Loan Association at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 2.50% · Super Passbook Savings · needs at least $100,000 |
| Minimum to open | $100 · Super Passbook Savings |
| Against the national average | 2.13 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.50% · 12 months · 1 Year CD |
| Minimum to open | $1,000 · 12 months CD |
| Against the national average | 1.77 percentage points above the 1.73% FDIC 12-month CD average (Sep 2026) |
| Money market | |
| Top money market APY | Up to 0.35% · Tipp/Monroe/Bethel & Vandalia/Butler Money Fund · needs at least $100,000 |
| Minimum to open | $2,500 · Tipp/Monroe/Bethel & Vandalia/Butler Money Fund |
| Against the national average | 0.28 percentage points below the 0.63% FDIC money market average (Sep 2026) |
| FDIC certificate | 29578 · Tipp City, OH |
|---|---|
| Website | www.monroefederal.com |
| Branches | 4 branches in OH |
| Availability | Available in OH |
Monroe Federal Savings and Loan Association savings, CD and money market rates
Personal
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 5.50%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
Monroe Federal Savings and Loan Association CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 3 months | 1.00% | $1,000 | 91 Day CD |
| 6 months | 1.50% | $1,000 | 182 Day CD |
| 12 months | 3.50% | $1,000 | 1 Year CD |
| 18 months | 3.40% | $1,000 | 18 Month CD |
| 24 months | 3.40% | $1,000 | 2 Year CD |
| 36 months | 3.00% | $1,000 | 3 Year CD |
| 48 months | 3.00% | $1,000 | 4 Year CD |
| 60 months | 3.00% | $1,000 | 5 Year CD |
| 84 months | 3.00% | $1,000 | 7 Year CD |
| IRA CDs | |||
| 12 months | 3.50% | $500 | 1 Year IRA CD |
| 18 months | 3.40% | $500 | 18 Month IRA CD |
| 24 months | 3.40% | $500 | 2 Year IRA CD |
| 36 months | 3.00% | $500 | 3 Year IRA CD |
| 48 months | 3.00% | $500 | 4 Year IRA CD |
| 60 months | 3.00% | $500 | 5 Year IRA CD |
| 84 months | 3.00% | $500 | 7 Year IRA CD |
Interactive Tool
Calculate Savings for Monroe Federal Savings and Loan Association
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$377.30(2.6%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,377.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Monroe Federal Savings and Loan Association pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 2.50% needs a balance of at least $100,000. Below that, the account advertises 1.00%.
In Q2 2026, Monroe Federal Savings and Loan Association paid a higher average rate on savings and money market deposits than 47% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Monroe Federal Savings and Loan Association, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Super Passbook Savings | 2.50% | $100 | $1,000 | None | not stated | not stated | Tiered | |
| Fine print: The minimum to open is $100, but a balance of $1,000 is required to earn interest and the lowest rate tier starts at $1,000. | ||||||||
| Passbook Savings | 0.04% | $10 | $0 | None | not stated | not stated | One rate | |
| Statement Savings | 0.04% | $10 | $0 | None | not stated | not stated | One rate | |
| Tipp/Monroe/Bethel & Vandalia/Butler Money Fund | 0.35% | $2,500 | $0 | None | not stated | not stated | Tiered | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 91 Day CD | 3 months | 1.00% | $1,000 | not stated | not stated |
| 182 Day CD | 6 months | 1.50% | $1,000 | not stated | not stated |
| 1 Year CD | 12 months | 3.50% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.40% | $1,000 | not stated | not stated |
| 2 Year CD | 24 months | 3.40% | $1,000 | not stated | not stated |
| 3 Year CD | 36 months | 3.00% | $1,000 | not stated | not stated |
| 4 Year CD | 48 months | 3.00% | $1,000 | not stated | not stated |
| 5 Year CD | 60 months | 3.00% | $1,000 | not stated | not stated |
| 7 Year CD | 84 months | 3.00% | $1,000 | not stated | not stated |
| IRA CDs | |||||
| 1 Year IRA CD | 12 months | 3.50% | $500 | not stated | not stated |
| 18 Month IRA CD | 18 months | 3.40% | $500 | not stated | not stated |
| 2 Year IRA CD | 24 months | 3.40% | $500 | not stated | not stated |
| 3 Year IRA CD | 36 months | 3.00% | $500 | not stated | not stated |
| 4 Year IRA CD | 48 months | 3.00% | $500 | not stated | not stated |
| 5 Year IRA CD | 60 months | 3.00% | $500 | not stated | not stated |
| 7 Year IRA CD | 84 months | 3.00% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in OH |
|---|---|
| Footprint | 4 branches in OH |
| Eligibility | not stated |
How Monroe Federal Savings and Loan Association behaves over time
Every observation of the advertised Super Passbook Savings rate in the last 12 months was 2.50% (observed through Oct 7, 2026). The series includes promotional tiers where one applied.
Monroe Federal Savings and Loan Association has not changed its advertised savings rate in the 3 weeks since Banksparency began tracking it, through 1 Federal Reserve rate move.
- Super Passbook Savings
- The same as 7 days ago.
- 12 months CD
- The same as 7 days ago.
- Tipp/Monroe/Bethel & Vandalia/Butler Money Fund
- The same as 7 days ago.
- Rate last changed
- Sep 8, 2026(effective date)
$10,000 at the 2.50% APY Monroe Federal Savings and Loan Association advertises on Super Passbook Savings grows to $10,250 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,913 does today. See how the federal funds rate shapes savings rates.
Monroe Federal Savings and Loan Association CD rates over time
Who is Monroe Federal Savings and Loan Association?
| Headquarters | Tipp City, OH |
|---|---|
| Founded | 1875 |
| Scale | $145M assets · $124M deposits, $114M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 29578 |
| Charter state | Ohio · one of 157 insured banks chartered there (Q2 2026, FDIC) |
| Size | 3,319th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 13% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Monroe Federal Savings and Loan Association pays on deposits above.
Common questions about Monroe Federal Savings and Loan Association
Is Monroe Federal Savings and Loan Association FDIC insured?
Yes. Monroe Federal Savings and Loan Association is FDIC insured under certificate 29578, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Monroe Federal Savings and Loan Association?
Monroe Federal Savings and Loan Association requires a minimum deposit of $100 to open its Super Passbook Savings account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does the 2.50% apply to my whole balance?
The 2.50% needs a balance of at least $100,000. Below that, the account advertises 1.00%. Rates are as observed on Oct 7, 2026.
Does Monroe Federal Savings and Loan Association have branches?
Yes. Monroe Federal Savings and Loan Association operates 4 branches according to FDIC branch records, in addition to its website and mobile apps.
Monroe Federal Savings and Loan Association against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Monroe Federal Savings and Loan Association | 2.50% | 1.39% | $100 | 4 branches in OH |
| Arcadian Bank | 2.50% | 2.68% | $25 | 3 branches in MN |
| Auburn Savings Bank, FSB | 2.50% | 1.54% | $25 | 2 branches in ME |
| Centreville Bank | 2.50% | 2.55% | $10,000 | 23 branches in CT, RI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Monroe Federal Savings and Loan Association's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Ohio, nearest to Monroe Federal Savings and Loan Association in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Ohio.