What are the current interest rates at BTC Bank?

Current rates for BTC Bank include:

☰

BTC Bank Rates and Review March 2026

Q: Is BTC Bank a safe place to deposit money?

Yes, BTC Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor.

Content reviewed by

Brian McKay

Home
Banks
BTC Bank Deposit Rates

You can compare BTC Bank rates to other rates in our database, including 12-month CD rates currently at 3.55%, 6-month CD rates at 1.00% and 3-month CD rates at 1.97%. Savings rates are at 0.25% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates, and more, can be found in our database of rates which you can compare to BTC Bank rates. MonitorBankRates evaluates the financial stability of BTC Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.90%. Rates were last updated on 03/07/2026.

Rate Updates and Availability

BTC Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BTC Bank? Share your experience about BTC Bank by leaving a review below, or read customer reviews before you decide to use BTC Bank.

BTC Bank Texas Ratio

BTC Bank's Texas Ratio is at 3.90%, which is considered excellent. The Texas Ratio for BTC Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Exceptional

Out of 5.0 Stars

BTC Bank has earned a Smart Rating of 5.0 out of 5 stars. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Overall, BTC Bank is a exceptional bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Overall Health & Safety Grade

A+

Exceptional Health

Score: 98/100

BTC Bank has earned an overall safety grade of A+. This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

N/A

2.38%

18-Month CD

N/A

2.14%

24-Month CD

N/A

2.17%

36-Month CD

N/A

2.11%

48-Month CD

N/A

2.10%

60-Month CD

N/A

2.23%

Savings

N/A

0.60%

MMA

N/A

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Rates Last Updated: 03/07/2026

BTC Bank

3606 Miller St
Bethany, MO 64424

https://www.btcbank.bank

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCEPTIONAL

🏆

Credit Unions:
Embed the badge above on your site.

Review BTC Bank

Current Rate Availability

We do not have BTC Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BTC Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BTC Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BTC Bank's official website for the most current offers and terms.