Washita State Bank: Savings Accounts & Rates

By Aviel Fahl

Updated: 8/19/2026

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

Interest rates reported as APY

Analysis of Washita State Bank

Our verdict

Washita State Bank offers WSB Traditional, a savings account paying 0.20% APY with a $100 minimum deposit.

At 0.20% APY, Washita State Bank pays below the national savings average of 0.38%.

Additional Accounts

WSB Junior, a youth savings account at 0.20% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

Important Considerations

WSB Junior is a youth savings account. Age-restricted to young account holders.

Key Differentiators

Stands out with top-rated iOS app (4.9), A BBB rating.

Savings Accounts Overview

WSB Junior

Savings

0.20% APY

Min: $25 Branch Access

Rank #226 of 337 tracked.

WSB Traditional

Savings

0.20% APY

Min: $100 Branch Access

Rank #227 of 337 tracked.

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 LocationBurns Flat, OK
Ratings & Trust
ABBB Not BBB Accredited
Deposit InsuranceFDIC Insured(Cert: 22430)

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

Apply in 3 minutes or less
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

Savings Accounts: In-Depth View

Savings Accounts Offered by Washita State Bank

Feature	WSB Traditional	WSB Junior
APY	0.20%Verified: 8/19/2026	0.20%Verified: 8/19/2026
APY Trend	N/A	N/A
Min. Deposit	$100	$25
Min. Balance	$100	$25
Monthly Fee	N/A	N/A
Direct Deposit	None	None
Checking Bundle	No	No
In-Branch Access	Yes	Yes
Compounding	monthly	monthly
FDIC Insured	Yes	Yes
Eligibility	United States	United States
Next Steps	-	-

Interactive Tool

Calculate Savings for Washita State Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$74.70(0.5%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,074.70

Effective APY

0.20%

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

Washita State Bank Savings Rates Over Time

No historical data available.

Compare with Washita State Bank

Feature	Current View Washita State Bank	Empty Slot
Product		-
APY	0.20%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	monthly	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

Alternatives to Washita State Bank

Banks with Higher/Similar Savings APY

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

CIBC Bank USA

Agility™ High-Interest Savings Account: 3.52% APY

Minimum Deposit: $1,000

Online Only

Bank of America

Advantage Savings: 0.04% APY

Minimum Deposit: $100

Business Advantage Savings: 0.01% APY

Minimum Deposit: $100

Advantage Relationship Banking: 0.02% APY

Minimum Deposit: $100

First Bankers Trust Company, National Association

Savings Account: 0.01% APY

Minimum Deposit: $50

Personal Money Market Account: 1.00% APY

Minimum Deposit: $50

Smart Business Money Market Account: 2.02% APY

Minimum Deposit: $50

First Federal Savings and Loan Association of McMinnville

First Time Home Buyer Savings Account: 0.15% APY

Minimum Deposit: $25

Statement Savings: 0.02% APY

Minimum Deposit: $25

Christmas Club: 0.02% APY

Minimum Deposit: $5

Health Savings Account: 0.05% APY

Minimum Deposit: $0

Daily Money Market: 0.15% APY

Minimum Deposit: $1,000

IRA Money Market: 0.15% APY

Minimum Deposit: N/A

MutualOne Bank

Online Savings: 0.40% APY

Minimum Deposit: $5,000

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Mo Premium Savings: 3.82% APY

Minimum Deposit: $20,000

First Federal Savings and Loan Association of Lakewood

Business Savings: 0.20% APY

Minimum Deposit: $50

DirectSave: 0.20% APY

Minimum Deposit: $25

E*TRADE from Morgan Stanley

Premium Savings Account: 3.50% APY

Minimum Deposit: $0

Online Only

Bank5 Connect

Money Market Account: 4.00% APY

Minimum Deposit: $100

Online Only

Jumbo Savings: 3.65% APY

Minimum Deposit: $25,000

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Connect Savings: 1.50% APY

Minimum Deposit: $10

Online Only

Carver Bank

Youth Savings: 0.10% APY

Minimum Deposit: $10

Carver Savings: 0.10% APY

Minimum Deposit: $100

High Yield Savings: 4.00% APY

Minimum Deposit: $5,000

Online Only

Money Market: 0.50% APY

Minimum Deposit: $250

Savings Liquit IRA: 0.10% APY

Minimum Deposit: $100

Relationship Savings: 0.10% APY

Minimum Deposit: $250

West Central Bank

Platinum Money Market 1,4 Tier 3: 0.75% APY

Minimum Deposit: $50,000

Platinum Money Market 1,4 Tier 1: 0.45% APY

Minimum Deposit: $10,000

Money Market 1,4: 0.35% APY

Minimum Deposit: $2,500

IRA 48 Month Fixed 1,4: 2.47% APY

Minimum Deposit: $25

IRA 24 Month Fixed 1,4: 2.32% APY

Minimum Deposit: $25

IRA Variable Rate 1,5: 2.02% APY

Minimum Deposit: $25

Christmas Club / Vacation Club 1,4: 0.30% APY

Minimum Deposit: $0

Savings Account 1,4: 0.30% APY

Minimum Deposit: $100

Platinum Money Market 1,4 Tier 2: 0.50% APY

Minimum Deposit: $25,000

High Plains Bank

High Yield Savings Account: 3.82% APY

Minimum Deposit: $25

Dundee Bank

Savings Account: 0.50% APY

Minimum Deposit: $100

Health Savings Account: 1.50% APY

Minimum Deposit: $0

IRA Savings Account: 1.50% APY

Minimum Deposit: $0

Platinum Money Market Account: 3.50% APY

Minimum Deposit: $50,000

Money Market Account: 1.50% APY

Minimum Deposit: $1,000

Apple Blossom Savings: 0.50% APY

Minimum Deposit: $25