State Bank of Graymont: Savings Account, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/19/2026

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

Interest rates reported as APY

Analysis of State Bank of Graymont

Our verdict

CD Analysis

State Bank of Graymont offers CDs paying up to 3.65% APY on its 6 months term, across 11 term lengths.

Tracking 12 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.65% APY for a 6 months term and laddering across multiple maturities.

State Bank of Graymont also offers Tiered Money Market, a money market account paying 1.87% APY with a $2,500 minimum deposit.

At 1.87% APY, State Bank of Graymont pays 3x the national money market average of 0.63%.

Additional Accounts

Regular Savings, a savings account at 0.05% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

IRA Analysis

State Bank of Graymont also offers an IRA savings account paying up to 2.00% APY.

Tracking 1 active IRA savings product, useful for tax-advantaged retirement savings.

Best IRA use: tax-advantaged retirement saving.

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

0.05% APY

Min: $100 Branch Access

Rank #304 of 337 tracked.

Tiered Money Market

Money Market

1.87% APY

Tiered Range: 0.50% - 1.87%

Min: $2,500 Branch Access

IRA Savings

2.00% APY

Min: $1 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 LocationGraymont, IL
Deposit InsuranceFDIC Insured(Cert: 10434)

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

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

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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 State Bank of Graymont

Feature	Regular Savings
APY	0.05%Verified: 8/19/2026
APY Trend	N/A
Min. Deposit	$100
Min. Balance	N/A
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 State Bank of Graymont

All calculations are based on APY.

Selected product

Regular Savings0.05% APY

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

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

State Bank of Graymont Deposit Rates Over Time

No historical data available.

Compare with State Bank of Graymont

Feature	Current View State Bank of Graymont	Empty Slot
Product	Regular Savings	-
APY	0.05%Verified: 8/19/2026	-
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

3.65% Highest APY

Across 12 CD products with terms: 18 months, 12 months, 6 months, 3 months, 15 months, 10 months, 60 months, 48 months, 36 months, 30 months, 24 months

CD Products Offered by State Bank of Graymont

Feature	91 Day CD 3 months	182 Day CD 6 months	10 Month Special 10 months	12 Month CD 12 months	365 Day Small Saver CD 12 months	15 Month Special 15 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	1.00%Verified: 8/19/2026	3.65%Verified: 8/19/2026	3.44%Verified: 8/19/2026	3.50%Verified: 8/19/2026	1.00%Verified: 8/19/2026	3.44%Verified: 8/19/2026	3.35%Verified: 8/19/2026	3.25%Verified: 8/19/2026	2.75%Verified: 8/19/2026	2.50%Verified: 8/19/2026	2.25%Verified: 8/19/2026	2.00%Verified: 8/19/2026
Term	3 months	6 months	10 months	12 months	12 months	15 months	18 months	24 months	30 months	36 months	48 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$200	$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
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

State Bank of Graymont CD Rates Over Time

Money Market Accounts Offered by State Bank of Graymont

Feature	Tiered Money Market
APY	1.87%Range: 0.50% - 1.87%Verified: 8/19/2026
Min. Deposit	$2,500
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 State Bank of Graymont

Banks with Higher/Similar Savings APY

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

Climate First Bank

Super Savings: 3.56% APY

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