Gainey Business Bank savings, CD and money market rates
Gainey Business Bank advertises 1.00% APY on its Personal Savings account. That is 0.62 percentage points above the national savings average of 0.38% (FDIC, Aug 2026).
Ranked #343 of 1174 tracked savings rates by advertised APY. For a $10,000 balance it would rank #243.
Estimate your earnings·What Gainey Business Bank actually pays
Gainey Business Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 1.00% · Personal Savings |
| Minimum to open | not stated · Personal Savings |
| Against the national average | 0.62 percentage points above the 0.38% FDIC savings average (Aug 2026) |
| CDs | |
| Top CD APY | 3.92% · 60 months · 60 Month CD |
| Minimum to open | $5,000 · 60 months CD |
| Against the national average | 2.56 percentage points above the 1.36% FDIC 60-month CD average (Aug 2026) |
| Money market | |
| Top money market APY | Up to 3.31% · Money Market Savings · needs at least $1,000,000 |
| Minimum to open | not stated · Money Market Savings |
| Against the national average | 2.68 percentage points above the 0.63% FDIC money market average (Aug 2026) |
| FDIC certificate | 59273 · Scottsdale, AZ |
|---|---|
| Website | gaineybusinessbank.com |
| Branches | 1 branch in AZ |
| Availability | Available in AZ |
Gainey Business Bank savings, CD and money market rates
Personal
How the rate applies
IRA
Business
Rates are APY. The national savings average is 0.38% (FDIC, Aug 2026). The top tracked savings rate on Banksparency is 5.50%. Across 60 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.50%, and one account in ten advertises 4.01% or more. See the highest savings rates.
Gainey Business Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| 6 months | 2.89% | $5,000 | 6 Month CD |
| 12 months | 3.30% | $5,000 | 12 Month CD |
| 18 months | 3.35% | $5,000 | 18 Month CD |
| 24 months | 3.45% | $5,000 | 24 Month CD |
| 36 months | 3.51% | $5,000 | 36 Month CD |
| 48 months | 3.66% | $5,000 | 48 Month CD |
| 60 months | 3.92% | $5,000 | 60 Month CD |
| IRA CDs | |||
| 6 months | 2.89% | $5,000 | 6 Month IRA |
| 12 months | 3.30% | $5,000 | 12 Month IRA |
| 18 months | 3.35% | $5,000 | 18 Month IRA |
| 24 months | 3.45% | $5,000 | 24 Month IRA |
| 36 months | 3.51% | $5,000 | 36 Month IRA |
| 48 months | 3.66% | $5,000 | 48 Month IRA |
| 60 months | 3.92% | $5,000 | 60 Month IRA |
Interactive Tool
Calculate Savings for Gainey Business Bank
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 Gainey Business Bank 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.
In Q2 2026, Gainey Business Bank paid a higher average rate on savings and money market deposits than 93% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Gainey Business Bank, 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.
How these figures are computed
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 |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Personal Savings | 1.00% | not stated | $0 | None | $0. The rate schedule Fee column reads "$0" and the personal accounts page lists "No Monthly Fee". | None | One rate | |
| Money Market Savings | 3.31% | not stated | $1,500 | None | $15 monthly fee, waived with an average daily balance of $1,500 during the statement cycle. | None | Tiered | |
| Business | ||||||||
| Business Savings | 1.00% | not stated | $0 | None | $0. The rate schedule Fee column reads "$0" and the personal accounts page lists "No Monthly Fee". | None | One rate | |
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 | |||||
| 6 Month CD | 6 months | 2.89% | $5,000 | not stated | not stated |
| 12 Month CD | 12 months | 3.30% | $5,000 | not stated | not stated |
| 18 Month CD | 18 months | 3.35% | $5,000 | not stated | not stated |
| 24 Month CD | 24 months | 3.45% | $5,000 | not stated | not stated |
| 36 Month CD | 36 months | 3.51% | $5,000 | not stated | not stated |
| 48 Month CD | 48 months | 3.66% | $5,000 | not stated | not stated |
| 60 Month CD | 60 months | 3.92% | $5,000 | not stated | not stated |
| IRA CDs | |||||
| 6 Month IRA | 6 months | 2.89% | $5,000 | not stated | not stated |
| 12 Month IRA | 12 months | 3.30% | $5,000 | not stated | not stated |
| 18 Month IRA | 18 months | 3.35% | $5,000 | not stated | not stated |
| 24 Month IRA | 24 months | 3.45% | $5,000 | not stated | not stated |
| 36 Month IRA | 36 months | 3.51% | $5,000 | not stated | not stated |
| 48 Month IRA | 48 months | 3.66% | $5,000 | not stated | not stated |
| 60 Month IRA | 60 months | 3.92% | $5,000 | not stated | not stated |
Opening and using the account
| Availability | Available in AZ |
|---|---|
| Footprint | 1 branch in AZ |
| Eligibility | not stated |
How Gainey Business Bank behaves over time
Every observation of the advertised Personal Savings rate in the last 12 months was 1.00% (observed through Sep 14, 2026). The series includes promotional tiers where one applied.
- Personal Savings
- The same as 7 days ago.
- 60 months CD
- The same as 7 days ago.
- Money Market Savings
- The same as 7 days ago.
- Rate last changed
- Aug 25, 2026(effective date)
$10,000 at the 1.00% APY Gainey Business Bank advertises on Personal Savings grows to $10,100 in a year. Prices rose 3.4% in the year to July 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,772 does today. See how the federal funds rate shapes savings rates.
Gainey Business Bank CD rates over time
Who is Gainey Business Bank?
| Headquarters | Scottsdale, AZ |
|---|---|
| Founded | 2022 |
| Scale | $107M assets · $90M deposits, $86M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 59273 |
Financial detail is in What Gainey Business Bank pays on deposits above.
Common questions about Gainey Business Bank
Is Gainey Business Bank FDIC insured?
Yes. Gainey Business Bank is FDIC insured under certificate 59273, so deposits are covered up to $250,000 per depositor, per ownership category.
Does Gainey Business Bank have branches?
Yes. Gainey Business Bank operates 1 branch according to FDIC branch records, in addition to its website and mobile apps.
Gainey Business Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Gainey Business Bank | 3.31% | 2.92% | not stated | 1 branch in AZ |
| Bank of Star Valley | 2.53% | 0.97% | $1,000 | 3 branches in WY |
| BankGloucester | 2.00% | 1.61% | $10,000 | 3 branches in MA |
| CBBC Bank | 1.00% | 0.70% | $2,500 | 7 branches in TN |
Alternatives are the three tracked banks whose highest savings APY is closest to Gainey Business Bank's.
Similar banks and rate hubs
Banks in the same rate band with the same product mix:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.