Garden Plain State Bank: Savings Account, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/16/2026

Mission: Banksparency aims to make Garden Plain State Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Garden Plain State Bank

Our verdict

CD Analysis

Garden Plain State Bank offers CDs paying up to 3.80% APY on its 12 months term, across 8 term lengths.

Tracking 13 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 12 months term and laddering across multiple maturities.

Garden Plain State Bank also offers Money Market Investor Account, a money market account paying 1.75% APY with no minimum deposit. To earn the full 1.75% APY, a minimum balance of $2,500 is required. Below that, the rate drops to as low as 0.25% APY.

At 1.75% APY, Garden Plain State Bank pays 3x the national money market average of 0.63%.

Additional Accounts

a savings account at 0.25% APY.
a money market account at 0.25% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Savings Account

Savings

0.25% APY

Min: $100 Branch Access

Rank #207 of 337 tracked.

Money Market Account

Money Market

0.25% APY

Min: $2,500 Branch Access

Money Market Investor Account

Money Market

1.75% APY

Tiered Range: 0.25% - 1.75%

No Minimums Branch Access

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.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationWichita, KS
Deposit InsuranceFDIC Insured(Cert: 19687)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

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FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Account Offered by Garden Plain State Bank

Feature	Savings Account
APY	0.25%Verified: 8/16/2026
APY Trend	N/A
Min. Deposit	$100
Min. Balance	$0.01
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for Garden Plain State Bank

All calculations are based on APY.

Selected product

Savings Account0.25% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$93.40(0.7%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,093.40

Effective APY

0.25%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Garden Plain State Bank Deposit Rates Over Time

No historical data available.

Compare with Garden Plain State Bank

Feature	Current View Garden Plain State Bank	Empty Slot
Product	Savings Account	-
APY	0.25%Verified: 8/16/2026	-
APY Trend	N/A	-
Min. Deposit	$100	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

3.80% Highest APY

Across 13 CD products with terms: 60 months, 1 months, 3 months, 6 months, 12 months, 24 months, 36 months, 48 months

CD Products Offered by Garden Plain State Bank

Feature	31 Day CD 1 months	91 Day CD 3 months	182 Day CD 6 months	1 Year CD 12 months	1 Year IRA CD 12 months	2 Year CD 24 months	2 Year IRA CD 24 months	3 Year CD 36 months	3 Year IRA CD 36 months	4 Year CD 48 months	4 Year IRA CD 48 months	5 Year CD 60 months	5 Year IRA CD 60 months
APY	0.25%Verified: 8/16/2026	2.78%Verified: 8/16/2026	3.02%Verified: 8/16/2026	3.80%Verified: 8/16/2026	3.75%Verified: 8/16/2026	3.55%Verified: 8/16/2026	3.50%Verified: 8/16/2026	3.55%Verified: 8/16/2026	3.50%Verified: 8/16/2026	3.55%Verified: 8/16/2026	3.50%Verified: 8/16/2026	3.55%Verified: 8/16/2026	3.50%Verified: 8/16/2026
Term	1 months	3 months	6 months	12 months	12 months	24 months	24 months	36 months	36 months	48 months	48 months	60 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	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	Yes	Yes	Yes	Yes

Garden Plain State Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by Garden Plain State Bank

Feature	Money Market Investor Account	Money Market Account
APY	1.75%Range: 0.25% - 1.75%Verified: 8/16/2026	0.25%Verified: 8/16/2026
Min. Deposit	N/A	$2,500
Min. Balance	$2,500	$2,500
Monthly Fee	N/A	N/A
Direct Deposit	None	None
In-Branch Access	Yes	Yes
Compounding	N/A	N/A
FDIC Insured	Yes	Yes
Eligibility	United States	United States

Alternatives to Garden Plain State Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

West Central Bank

Platinum Money Market 1,4 Tier 3: 0.75% APY

Minimum Deposit: $50,000

Platinum Money Market 1,4 Tier 1: 0.45% APY

Minimum Deposit: $10,000

Money Market 1,4: 0.35% APY

Minimum Deposit: $2,500

IRA 48 Month Fixed 1,4: 2.47% APY

Minimum Deposit: $25

IRA 24 Month Fixed 1,4: 2.32% APY

Minimum Deposit: $25

IRA Variable Rate 1,5: 2.02% APY

Minimum Deposit: $25

Christmas Club / Vacation Club 1,4: 0.30% APY

Minimum Deposit: $0

Savings Account 1,4: 0.30% APY

Minimum Deposit: $100

Platinum Money Market 1,4 Tier 2: 0.50% APY

Minimum Deposit: $25,000

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