The Stock Exchange Bank savings and CD rates
The Stock Exchange Bank advertises 0.70% APY on its Regular Savings account. That is 0.33 percentage points above the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #956 of 2927 tracked savings rates by advertised APY. For a $10,000 balance it would rank #735.
Estimate your earnings·What The Stock Exchange Bank actually pays
The Stock Exchange Bank at a glance
| Savings | |
|---|---|
| Top savings APY | 0.70% · Regular Savings |
| Minimum to open | $100 · Regular Savings |
| Against the national average | 0.33 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 3.68% · 6 months · 182 Days CD |
| Minimum to open | $1,000 · 6 months CD |
| Against the national average | 2.27 percentage points above the 1.41% FDIC 6-month CD average (Sep 2026) |
| FDIC certificate | 414 · Woodward, OK |
|---|---|
| Website | www.stockexchangebank.com |
| Branches | 3 branches in OK |
| Availability | Available in OK |
The Stock Exchange Bank savings and CD rates
Personal
IRA
Education savings
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 12.00%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.16% or more. See the highest savings rates.
The Stock Exchange Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| Personal CDs | |||
| not stated | 1.76% | $1,000 | 7 to 181 Days CD |
| 6 months | 3.68% | $1,000 | 182 Days CD |
| 12 months | 3.53% | not stated | 12 Months CD |
| 18 months | 2.52% | $500 | 18 Months CD |
| 24 months | 2.62% | $500 | 24 Months CD |
| 36 months | 2.72% | $500 | 36 Months CD |
| IRA CDs | |||
| 18 months | 2.53% | $500 | 18 Month IRA CD |
Interactive Tool
Calculate Savings for The Stock Exchange Bank
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$263.10(1.8%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,263.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What The Stock Exchange 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.
In Q2 2026, The Stock Exchange Bank paid a higher average rate on savings and money market deposits than 41% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- The Stock Exchange 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 | ||||||||
| Regular Savings | 0.70% | $100 | $0 | None | A minimum balance fee of $10.00 per quarter will be charged if the average daily balance in the account falls below $100., can be waived | not stated | One rate | |
| Fine print: A $10 minimum balance fee is charged each quarter when the average daily balance falls below $100. Each withdrawal after five in a quarter costs $1. The minimum balance fee and the opening deposit do not apply to holders aged 18 and under or 55 and over. | ||||||||
| IRA | ||||||||
| Roth IRA CD | 2.53% | $500 | $0 | None | not stated | not stated | One rate | |
| Education savings | ||||||||
| Education IRA CD | 2.53% | $500 | $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 |
|---|---|---|---|---|---|
| Personal CDs | |||||
| 7 to 181 Days CD | not stated | 1.76% | $1,000 | not stated | not stated |
| Fine print: The term can be chosen from 7 to 181 days. | |||||
| 182 Days CD | 6 months | 3.68% | $1,000 | not stated | not stated |
| 12 Months CD | 12 months | 3.53% | not stated | not stated | not stated |
| 18 Months CD | 18 months | 2.52% | $500 | not stated | not stated |
| 24 Months CD | 24 months | 2.62% | $500 | not stated | not stated |
| 36 Months CD | 36 months | 2.72% | $500 | not stated | not stated |
| IRA CDs | |||||
| 18 Month IRA CD | 18 months | 2.53% | $500 | not stated | not stated |
Opening and using the account
| Availability | Available in OK |
|---|---|
| Footprint | 3 branches in OK |
| Eligibility | not stated |
How The Stock Exchange Bank behaves over time
Every observation of the advertised Regular Savings rate in the last 12 months was 0.70% (observed through Oct 7, 2026). The series includes promotional tiers where one applied.
- Regular Savings
- The same as 7 days ago.
- 6 months CD
- Up 0.05 percentage points from 30 days ago.
- Rate last changed
- Sep 30, 2026(effective date)
$10,000 at the 0.70% APY The Stock Exchange Bank advertises on Regular Savings grows to $10,070 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,739 does today. See how the federal funds rate shapes savings rates.
The Stock Exchange Bank CD rates over time
Who is The Stock Exchange Bank?
| Headquarters | Woodward, OK |
|---|---|
| Founded | 1903 |
| Scale | $310M assets · $253M deposits, $196M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 414 |
| Charter state | Oklahoma · one of 170 insured banks chartered there (Q2 2026, FDIC) |
Financial detail is in What The Stock Exchange Bank pays on deposits above.
Common questions about The Stock Exchange Bank
Is The Stock Exchange Bank FDIC insured?
Yes. The Stock Exchange Bank is FDIC insured under certificate 414, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at The Stock Exchange Bank?
The Stock Exchange Bank requires a minimum deposit of $100 to open its Regular Savings account, as observed on Oct 7, 2026. Check the bank's current terms before you open an account.
Does The Stock Exchange Bank have branches?
Yes. The Stock Exchange Bank operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
The Stock Exchange Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| The Stock Exchange Bank | 0.70% | 1.23% | $100 | 3 branches in OK |
| Ashton State Bank | Up to0.70% | not stated | not stated | 1 branch in IA |
| Brunswick State Bank | Up to0.70% | 2.91% | $10 | 3 branches in NE |
| First Command Bank | Up to0.70% | 0.44% | $25 | 1 branch in TX |
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 The Stock Exchange Bank's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: savings rates in Oklahoma, and banks in Oklahoma.