Bonanza Valley State Bank: Savings Accounts, CDs, Money Market & Rates
Mission: Banksparency aims to make Bonanza Valley State Bank's deposit accounts transparent and comparable to the market.
Analysis of Bonanza Valley State Bank
Our verdict
CD Analysis
Bonanza Valley State Bank offers CDs paying up to 3.80% APY on its 18 months term, across 9 term lengths.
Tracking 9 active CD products, useful for locking in today's rate before further moves at the Fed.
- Best CD use: locking in 3.80% APY for a 18 months term and laddering across multiple maturities.
Bonanza Valley State Bank also offers Tiered Savings, a high-yield savings account paying 3.00% APY with a $100 minimum deposit.
At 3.00% APY, Bonanza Valley State Bank pays 8x the national savings average of 0.38%.
Additional Accounts
- Christmas Club Savings, a high-yield savings account at 3.00% APY.
- Individual Retirement Account, a high-yield savings account at 3.00% APY.
- Health Savings Account, a high-yield savings account at 2.00% APY.
Ideal User Profile
- Best for: simple saving without extra requirements.
Important Considerations
Deposit Accounts Overview
Christmas Club Savings
Individual Retirement Account
Tiered Savings
Health Savings Account
Money Market
Market Reality Check
This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Deposit Accounts: In-Depth View
Savings Accounts Offered by Bonanza Valley State Bank
| Feature | Christmas Club Savings | Individual Retirement Account | Tiered Savings | Health Savings Account |
|---|---|---|---|---|
APY | 3.00%Verified: 8/19/2026 | 3.00%Verified: 8/19/2026 | 3.00%Verified: 8/19/2026 | 2.00%Verified: 8/19/2026 |
APY Trend | N/A | N/A | N/A | N/A |
Min. Deposit | $25 | N/A | $100 | N/A |
Min. Balance | N/A | N/A | $100 | N/A |
Monthly Fee | N/A | N/A | N/A | N/A |
Direct Deposit | None | None | None | None |
Checking Bundle | No | No | No | No |
In-Branch Access | Yes | Yes | Yes | Yes |
Compounding | N/A | N/A | quarterly | N/A |
FDIC Insured | Yes | Yes | Yes | Yes |
Eligibility | United States | United States | United States | United States |
| Next Steps | - | - | - | - |
Interactive Tool
Calculate Savings for Bonanza Valley State Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$1,161.10(7.7%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$15,161.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Bonanza Valley State Bank Deposit Rates Over Time
No historical data available.
Compare with Bonanza Valley State Bank
| Feature | Current View Bonanza Valley State Bank | Empty Slot |
|---|---|---|
| Product | - | |
APY | 3.00%Verified: 8/19/2026 | - |
APY Trend | N/A | - |
| Min. Deposit | $25 | N/A |
| Monthly Fee | N/A | - |
Direct Deposit | No | - |
Checking Bundle | No | - |
| In-Branch Access | Yes | - |
| Eligibility | United States | - |
Compounding | N/A | - |
FDIC or NCUA Insured | Yes | - |
| Next Steps | - | - |
CD Overview
CD Products Offered by Bonanza Valley State Bank
| Feature | 91-Day CD 3 months | 6-Month CD 6 months | 12-Month CD 12 months | 18-Month CD 18 months | 24-Month CD 24 months | 30-Month CD 30 months | 36-Month CD 36 months | 48-Month CD 48 months | 60-Month CD 60 months |
|---|---|---|---|---|---|---|---|---|---|
APY | 2.40%Verified: 8/19/2026 | 3.30%Verified: 8/19/2026 | 3.80%Verified: 8/19/2026 | 3.80%Verified: 8/19/2026 | 3.10%Verified: 8/19/2026 | 2.75%Verified: 8/19/2026 | 3.20%Verified: 8/19/2026 | 3.30%Verified: 8/19/2026 | 3.40%Verified: 8/19/2026 |
Term | 3 months | 6 months | 12 months | 18 months | 24 months | 30 months | 36 months | 48 months | 60 months |
Min. Deposit | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 | $500 |
Early Withdrawal | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
FDIC Insured | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Bonanza Valley State Bank CD Rates Over Time
Money Market Accounts Offered by Bonanza Valley State Bank
| Feature | Money Market |
|---|---|
APY | 0.80%Verified: 8/19/2026 |
Min. Deposit | $1,000 |
Min. Balance | $1,000 |
Monthly Fee | N/A |
Direct Deposit | None |
In-Branch Access | Yes |
Compounding | monthly |
FDIC Insured | Yes |
Eligibility | United States |
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