Sturdy Savings Bank savings, CD and money market rates
Sturdy Savings Bank's Gold Savings offers 0.05% APY on balances of $100,000 or more, and 0.02% to 0.03% below that. On a $10,000 balance the account earns 0.02% overall, about $2 in a year, which is 0.36 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2821 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2956.
Estimate your earnings·What Sturdy Savings Bank actually pays
Sturdy Savings Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 0.05% · Gold Savings · needs at least $100,000 |
| Minimum to open | $1,000 · Gold Savings |
| Against the national average | 0.33 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 2.50% · 6 months · 6-Month CD · needs a linked account at the bank |
| Minimum to open | $1,000 · 6 months CD |
| Against the national average | 1.11 percentage points above the 1.39% FDIC 6-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | Up to 0.05% · Money Market · needs at least $100,000 |
| Minimum to open | $1,000 · Money Market |
| Against the national average | 0.58 percentage points below the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 28788 · Stone Harbor, NJ |
|---|---|
| Website | www.sturdyonline.com |
| Branches | 13 branches in NJ |
| Availability | Available in NJ |
Sturdy Savings Bank savings, CD and money market rates
Personal
How the rate applies
How the rate applies
How the rate applies
IRA
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.66%, and one account in ten advertises 4.20% or more. See the highest savings rates.
Sturdy Savings Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.02% | $1,000 | 3-Month CD |
| 6 months | 2.50% | $1,000 | 6-Month CD |
| 9 months | 2.30% | $1,000 | 9-Month CD |
| 12 months | 2.25% | $500 | 12-Month CD |
| 18 months | 0.02% | $500 | 18-Month CD |
| 18 months | 0.01% | $100 | 18-Month CD (Variable) |
| 24 months | 0.04% | $500 | 24-Month CD |
| 30 months | 0.04% | $500 | 30-Month CD |
| 36 months | 0.06% | $500 | 36-Month CD |
| 36 months | 0.05% | $500 | Excel-A-Rate CD |
| 48 months | 0.08% | $500 | 48-Month CD |
| 60 months | 0.13% | $500 | 60-Month CD |
Interactive Tool
Calculate Savings for Sturdy Savings Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$7.50(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,007.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What Sturdy Savings 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. The 0.05% needs a balance of at least $100,000. Below that, the account advertises 0.02%.
In Q2 2026, Sturdy Savings Bank paid a higher average rate on savings and money market deposits than 17% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- Sturdy Savings 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.
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 | ||||||||
| Gold Savings | Up to 0.05% | $1,000 | $100 | None | not stated | not stated | Tiered | |
| Fine print: Minors pay no monthly service charge on this account. For everyone else the daily balance that avoids the charge is $2,000, which is more than the $1,000 needed to open the account. | ||||||||
| Regular Savings | 0.02% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: Minors pay no monthly service charge on this account. | ||||||||
| Holiday Club | 0.02% | $0 | $0 | None | not stated | not stated | One rate | |
| Fine print: The term is 52 weeks, and no withdrawal is permitted while it runs. The funds are paid out on the first Wednesday of each October and mailed to you. Closing the account early costs $15. | ||||||||
| Money Market | Up to 0.05% | $1,000 | $100 | None | not stated | not stated | Tiered | |
| Fine print: The daily balance that avoids the monthly service charge is $2,000, which is more than the $1,000 needed to open the account. | ||||||||
| Premier Money Market | 0.05% | $100,000 | $100 | None | not stated | not stated | Tiered | |
| IRA | ||||||||
| Savings Retirement Account | 0.02% | $100 | $0 | None | not stated | not stated | 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 |
|---|---|---|---|---|---|
| 3-Month CD | 3 months | 0.02% | $1,000 | not stated | not stated |
| 6-Month CD | 6 months | 2.50% | $1,000 | not stated | not stated |
| 9-Month CD | 9 months | 2.30% | $1,000 | not stated | not stated |
| 12-Month CD | 12 months | 2.25% | $500 | not stated | not stated |
| 18-Month CD | 18 months | 0.02% | $500 | not stated | not stated |
| 18-Month CD (Variable) | 18 months | 0.01% | $100 | not stated | not stated |
| Fine print: Variable rate. The APY can change after account opening. | |||||
| 24-Month CD | 24 months | 0.04% | $500 | not stated | not stated |
| 30-Month CD | 30 months | 0.04% | $500 | not stated | not stated |
| 36-Month CD | 36 months | 0.06% | $500 | not stated | not stated |
| Excel-A-Rate CD | 36 months | 0.05% | $500 | not stated | not stated |
| Fine print: The rate the bank quotes for this certificate assumes that you also keep a checking account with the bank. The rate can be raised once during the first term and once during each renewal term, to the rate then in force for a certificate of the same maturity, but the increase has to be asked for in person and authorised in writing. | |||||
| 48-Month CD | 48 months | 0.08% | $500 | not stated | not stated |
| 60-Month CD | 60 months | 0.13% | $500 | not stated | not stated |
Fine print for 10 CDs above: The rate the bank quotes for this certificate assumes that you also keep a checking account with the bank.
Opening and using the account
| Availability | Available in NJ |
|---|---|
| Footprint | 13 branches in NJ |
| Eligibility | not stated |
How Sturdy Savings Bank behaves over time
Every observation of the advertised Gold Savings rate in the last 12 months was 0.05% (observed through Oct 21, 2026). The series includes promotional tiers where one applied.
- 6 months CD
- The same as 30 days ago.
- Rate last changed
- Aug 17, 2026(effective date)
$10,000 in Sturdy Savings Bank's Gold Savings earns 0.02% overall at the advertised rates, so it grows to $10,002 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,641 does today. See how the federal funds rate shapes savings rates.
Sturdy Savings Bank CD rates over time
Who is Sturdy Savings Bank?
| Headquarters | Stone Harbor, NJ |
|---|---|
| Founded | 1922 |
| Scale | $1.1B assets · $1.0B deposits, $800M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 28788 |
| Charter state | New Jersey · one of 50 insured banks chartered there (Q2 2026, FDIC) |
| Size | 882nd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 45% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What Sturdy Savings Bank pays on deposits above.
Common questions about Sturdy Savings Bank
Is Sturdy Savings Bank FDIC insured?
Yes. Sturdy Savings Bank is FDIC insured under certificate 28788, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at Sturdy Savings Bank?
Sturdy Savings Bank requires a minimum deposit of $1,000 to open its Gold Savings account, as observed on Oct 21, 2026. Check the bank's current terms before you open an account.
Does the 0.05% apply to my whole balance?
The 0.05% needs a balance of at least $100,000. Below that, the account advertises 0.02%. Rates are as observed on Oct 21, 2026.
Does Sturdy Savings Bank have branches?
Yes. Sturdy Savings Bank operates 13 branches according to FDIC branch records, in addition to its website and mobile apps.
Sturdy Savings Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| Sturdy Savings Bank | Up to0.05% | 0.59% | $1,000 | 13 branches in NJ |
| 1st Community Bank | 0.05% | 0.45% | not stated | 2 branches in IL |
| Arrow Bank National Association | Up to0.05% | 2.21% | $500 | 56 branches in NY |
| Bank of Franklin County | 0.05% | 0.50% | $25 | 6 branches in MO |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to Sturdy Savings Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in New Jersey, nearest to Sturdy Savings Bank in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: money market rates in New Jersey, and banks in New Jersey.