The Napoleon State Bank: Savings Accounts, CDs, Money Market & Rates

By Aviel Fahl

Updated: 8/19/2026

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

Interest rates reported as APY

Analysis of The Napoleon State Bank

Our verdict

CD Analysis

The Napoleon State Bank offers CDs paying up to 3.95% APY on its 6 months term, across 9 term lengths.

Tracking 10 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.95% APY for a 6 months term and laddering across multiple maturities.

The Napoleon State Bank also offers a money market account paying 1.01% APY with a $2,500 minimum deposit.

At 1.01% APY, The Napoleon State Bank pays above the national money market average of 0.63%.

Additional Accounts

Health Savings Account, a savings account at 0.35% APY.
Regular Savings Account, a savings account at 0.10% APY.
Business Savings, a business savings account at 0.10% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

Business Savings is a business savings account. Available to business customers.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Health Savings Account

Savings

0.35% APY

Min: $5,000 Branch Access

Rank #190 of 337 tracked.

Business Savings

Savings

0.10% APY

Min: $25 Branch Access

Rank #268 of 337 tracked.

Regular Savings Account

Savings

0.10% APY

Min: $25 Branch Access

Rank #269 of 337 tracked.

Money Market Account

Money Market

1.01% APY

Tiered Range: 0.20% - 1.01%

Min: $2,500 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 LocationNapoleon, IN
Deposit InsuranceFDIC Insured(Cert: 10101)

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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No monthly service fees
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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 Accounts Offered by The Napoleon State Bank

Feature	Health Savings Account	Regular Savings Account	Business Savings
APY	0.35%Verified: 8/19/2026	0.10%Verified: 8/19/2026	0.10%Verified: 8/19/2026
APY Trend	N/A	N/A	N/A
Min. Deposit	$5,000	$25	$25
Min. Balance	N/A	N/A	N/A
Monthly Fee	N/A	N/A	N/A
Direct Deposit	None	None	None
Checking Bundle	No	No	No
In-Branch Access	Yes	Yes	Yes
Compounding	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes
Eligibility	United States	United States	United States
Next Steps	-	-	-

Interactive Tool

Calculate Savings for The Napoleon State Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$201.40(1.1%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$18,201.40

Effective APY

0.35%

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

The Napoleon State Bank Deposit Rates Over Time

Historical APY Insights

Last 6 Months

Metric	Money Market: Money Market Account
Latest APY	1.01%
Trend	Rising
Slope (bps/mo)	6.8
Rate Changes / Mo	0.16
Days Since Last Change	145
High (-6m)	1.01%
Low (-6m)	0.35%
Draw-down	0.0%
Volatility (CV)	0.301

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 187-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 The Napoleon State Bank

Feature	Current View The Napoleon State Bank	Empty Slot
Product		-
APY	0.35%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	$5,000	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

3.95% Highest APY

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

CD Products Offered by The Napoleon State Bank

Feature	7-31 Day CD	91-Day CD 3 months	182-Day CD 6 months	12-Month 1 year 12 months	18-Month CD 18 months	24-Month 2 years 24 months	30-Month CD 30 months	36-Month 3 years 36 months	48-Month 4 years 48 months	60-Month 5 years 60 months
APY	0.20%Verified: 8/19/2026	3.60%Verified: 8/19/2026	3.95%Verified: 8/19/2026	3.95%Verified: 8/19/2026	3.80%Verified: 8/19/2026	3.20%Verified: 8/19/2026	0.55%Verified: 8/19/2026	0.55%Verified: 8/19/2026	0.65%Verified: 8/19/2026	0.80%Verified: 8/19/2026
Term	N/A	3 months	6 months	12 months	18 months	24 months	30 months	36 months	48 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$500	$500	$500	$500	$500	$500	$500
Early Withdrawal	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

The Napoleon State Bank CD Rates Over Time

Money Market Accounts Offered by The Napoleon State Bank

Feature	Money Market Account
APY	1.01%Range: 0.20% - 1.01%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

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