Grant County Bank: Savings Account, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/21/2026

Mission: Banksparency aims to make Grant County Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of Grant County Bank

Our verdict

CD Analysis

Grant County Bank offers CDs paying up to 4.48% APY on its 60 months term, across 7 term lengths.

Tracking 8 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 4.48% APY for a 60 months term and laddering across multiple maturities.

Grant County Bank also offers a money market account paying 2.84% APY with a $1,000 minimum deposit.

At 2.84% APY, Grant County Bank pays 5x the national money market average of 0.63%.

Additional Accounts

Regular Savings, a high-yield savings account at 1.26% 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

Regular Savings

Savings

1.26% APY

StableNo rate changes in last 7 days

Min: $100 Branch Access

Rank #148 of 337 tracked.

Money Market Account

Money Market

2.84% APY

Tiered Range: 2.32% - 2.84%

Min: $1,000 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 LocationUlysses, KS
Deposit InsuranceFDIC Insured(Cert: 10918)

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

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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 Grant County Bank

Feature	Regular Savings
APY	1.26%Verified: 8/21/2026
APY Trend	StableNo rate changes in last 7 days
Min. Deposit	$100
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
Checking Bundle	No
In-Branch Access	Yes
Compounding	quarterly
FDIC Insured	Yes
Eligibility	United States
Next Steps	-

Interactive Tool

Calculate Savings for Grant County Bank

All calculations are based on APY.

Selected product

Regular Savings1.26% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$476.90(3.3%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,476.90

Effective APY

1.26%

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

Grant County Bank Deposit Rates Over Time

Historical APY Insights

Last 6 Months

Metric	Regular Savings	Money Market: Money Market Account
Latest APY	1.26%	2.84%
Trend	Sideways	Sideways
Slope (bps/mo)	0.7	-0.1
Rate Changes / Mo	0.48	0.32
Days Since Last Change	9	22
High (-6m)	1.26%	2.84%
Low (-6m)	1.21%	2.78%
Draw-down	0.0%	0.0%
Volatility (CV)	0.020	0.007

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 188-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with Grant County Bank

Feature	Current View Grant County Bank	Empty Slot
Product	Regular Savings	-
APY	1.26%Verified: 8/21/2026	-
APY Trend	StableNo rate changes in last 7 days	-
Min. Deposit	$100	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	quarterly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

4.48% Highest APY

Across 8 CD products with terms: 1 months, 12 months, 18 months, 60 months, 48 months, 24 months, 36 months

CD Products Offered by Grant County Bank

Feature	7-31 Day CD 1 months	12-Month CD 12 months	18-Month IRA Certificate 18 months	24-Month CD 24 months	24-Month Variable Rate CD 24 months	36-Month CD 36 months	48-Month CD 48 months	60-Month CD 60 months
APY	2.12%Verified: 8/20/2026	3.87%Verified: 8/20/2026	3.97%Verified: 8/20/2026	4.08%Verified: 8/20/2026	4.08%Verified: 8/20/2026	4.37%Verified: 8/20/2026	4.42%Verified: 8/20/2026	4.48%Verified: 8/20/2026
Term	1 months	12 months	18 months	24 months	24 months	36 months	48 months	60 months
Min. Deposit	$100	$100	$100	$100	$100	$100	$100	$1,000
Early Withdrawal	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

Grant County Bank CD Rates Over Time

Money Market Accounts Offered by Grant County Bank

Feature	Money Market Account
APY	2.84%Range: 2.32% - 2.84%Verified: 8/20/2026
Min. Deposit	$1,000
Min. Balance	N/A
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

Alternatives to Grant County Bank

Banks with Higher/Similar Savings APY

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

Winnsboro State Bank & Trust Company

WSB Money Market: 3.45% APY

Minimum Deposit: $2,500

Vio Bank

Online Savings Account: 3.99% APY

Minimum Deposit: $100

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Cornerstone Money Market Savings: 3.45% APY

Minimum Deposit: $100

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Farmers and Merchants Union Bank

Christmas Savings: 0.75% APY

Minimum Deposit: $1

Savings: 0.75% APY

Minimum Deposit: $0

Health Savings: 0.60% APY

Minimum Deposit: $0

IRA Advantage: 2.47% APY

Minimum Deposit: $50

Peapack Private Bank & Trust

Personal Individual Retirement Accounts IRAs: 3.25% APY

Minimum Deposit: $500

Freedom Bank

Platinum Money Market Account (Personal): 0.40% APY

Minimum Deposit: $0

Choice Money Market Account (Personal): 0.25% APY

Minimum Deposit: $0

Business Savings: 0.15% APY

Minimum Deposit: $0

Small Business Money Market Account: 0.25% APY

Minimum Deposit: $0

Minor Savings: 0.15% APY

Minimum Deposit: $0

Freedom Savings Account: 3.00% APY

Minimum Deposit: $0

High Yield Savings: 0.40% APY

Minimum Deposit: $0

Choice Business Money Market Account: 0.25% APY

Minimum Deposit: $0

Statement Savings: 0.15% APY

Minimum Deposit: $0

Newtek Bank

Business Money Market Account: 3.50% APY

Minimum Deposit: $0

Online Only

Personal High Yield Savings: 4.20% APY

Minimum Deposit: $100

Online Only

Security State Bank of Marine

Super Savers: 0.10% APY

Minimum Deposit: N/A

Piggy Bank Savers: 0.10% APY

Minimum Deposit: N/A

Money Market Platinum: 3.56% APY

Minimum Deposit: N/A

Money Market Savings: 0.15% APY

Minimum Deposit: N/A

Passbook Savings: 0.10% APY

Minimum Deposit: N/A

Bank Michigan

Health Savings Account (HSA): 0.10% APY

Minimum Deposit: $50

Savings Account: 0.10% APY

Minimum Deposit: $10

Money Market Investments (MMI): 1.50% APY

Minimum Deposit: $2,500

Premier Money Market Investments (MMI): 3.75% APY

Minimum Deposit: $25,000

Business Money Market Investments (MMI): 2.00% APY

Minimum Deposit: $10,000

First Federal Savings and Loan Association

First Catastrophe Savings: 0.50% APY

Minimum Deposit: $100

Christmas Club: 0.02% APY

Minimum Deposit: $1

IRA Access Fund: 0.02% APY

Minimum Deposit: $1,000

Passbook Savings: 0.02% APY

Minimum Deposit: $25

First Choice Money Market: 1.25% APY

Minimum Deposit: $10,000

Money Fund: 0.05% APY

Minimum Deposit: $1,000

Essential Savings: 3.25% APY

Minimum Deposit: $25

Online Only

Forbright Bank

Bright Savings: 3.46% APY

Minimum Deposit: $250

Eligible States: Limited (see details)

Growth Savings: 4.15% APY

Minimum Deposit: $0

Online Only

Sprout Savings: 3.46% APY

Minimum Deposit: $1

Eligible States: Limited (see details)

Bright Business Savings: 3.46% APY

Minimum Deposit: $250

Eligible States: Limited (see details)

Platinum Business Money Market: 3.46% APY

Minimum Deposit: $2,500

Eligible States: Limited (see details)

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Young Investor Savings: 0.10% APY

Minimum Deposit: N/A

Statement Savings: 0.10% APY

Minimum Deposit: $100

Prime Money Market Account: 3.05% APY

Minimum Deposit: N/A

Prime Money Market Account: 3.05% APY

Minimum Deposit: N/A

Florence Bank

Club Account: 0.05% APY

Minimum Deposit: $10

School Savings: 0.10% APY

Minimum Deposit: $1

Variable IRA Savings Account: 0.05% APY

Minimum Deposit: $10

High-Yield Savings: 3.20% APY

Minimum Deposit: $10

NextGen Savings: 1.00% APY

Minimum Deposit: $0

Performance Money Market Account: 0.05% APY

Bundled Savings & Checking Account

Minimum Deposit: $1,000

Money Market Account: 0.05% APY

Minimum Deposit: $1,000

Statement Savings: 0.05% APY

Minimum Deposit: $10

Passbook Savings: 0.05% APY

Minimum Deposit: $10

Security Deposit Account: 0.05% APY

Minimum Deposit: $10

EZ $ave: 0.05% APY

Bundled Savings & Checking Account

Minimum Deposit: $10