What are the current interest rates at G. W. Jones Exchange Bank?

Current rates for G. W. Jones Exchange Bank include: 12-Month CD: 1.51%, 18-Month CD: 1.51%, 24-Month CD: 1.61%, 36-Month CD: 1.96%, 48-Month CD: 2.07%, 60-Month CD: 2.12%, Savings: 0.50%

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G. W. Jones Exchange Bank Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, G. W. Jones Exchange Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

G. W. Jones Exchange Bank's top rates as of October 11, 2026 are 3.30% APY on its 8-Month Certificate Special, 0.50% APY on savings, and 0.80% APY on checking, according to rates verified by MonitorBankRates. Other G. W. Jones Exchange Bank CD rates include 5 Years 5 Year Certificate at 2.12%, 4 Years 4 Year Certificate at 2.07%, and 3 Years 3 Year Certificate at 1.96%. MonitorBankRates evaluates the financial stability of G. W. Jones Exchange Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.25%. Rates last updated and verified on 10/11/2026.

G. W. Jones Exchange 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 G. W. Jones Exchange Bank? Share your experience about G. W. Jones Exchange Bank by leaving a review below, or read customer reviews before you decide to use G. W. Jones Exchange Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.25%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

G. W. Jones Exchange Bank

115 W Main St
Marcellus, MI 49067

https://www.gwjonesbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

G. W. Jones Exchange Bank CD Rates

Product	Rate	APY	Term
8 Month Certificate Special	3.30%	3.30%	8 Month
Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
5 Year Certificate	2.10%	2.12%	5 Years
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.12% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
4 Year Certificate	2.05%	2.07%	4 Years
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
3 Year Certificate	1.95%	1.96%	3 Years
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.96% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
2 Year Certificate	1.60%	1.61%	2 Years
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.61% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
1 Year Certificate	1.50%	1.51%	1 Year
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
18 Month IRA	1.50%	1.51%	18 Month
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
181-364 Day Certificate	0.80%	0.80%	181 - 364 Days
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
91-180 Day Certificate	0.75%	0.75%	91 - 180 Days
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
31-90 Day Certificate	0.50%	0.50%	31 - 90 Days
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
7-30 Day Certificate	0.25%	0.25%	7 - 30 Days
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

G. W. Jones Exchange Bank Savings Rates

Product	Rate	APY
Club Savings	0.50%	0.50%
Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Statement Savings	0.50%	0.50%
Min Balance $50 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

G. W. Jones Exchange Bank Checking Rates

Product	Rate	APY
Super Interest Earning Checking	0.80%	0.80%
Min Balance $200,000 Details Balance: $200,000 or more Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Super Interest Earning Checking	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $200,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Super Interest Earning Checking	0.60%	0.60%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Interest-Earning Checking	0.30%	0.30%
Min Balance $50 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

G. W. Jones Exchange Bank Business Checking Rates

Product	Rate	APY
Business Super Interest Earning Checking	0.80%	0.80%
Min Balance $200,000 Details Balance: $200,000.01 or more Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 0.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Super Interest Earning Checking	0.70%	0.70%
Min Balance $25,000 Details Balance: $25,000 - $200,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Super Interest Earning Checking	0.60%	0.60%
Min Balance $2,500 Details Balance: $0.01 - $25,000 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%
Business Interest Earning Checking	0.30%	0.30%
Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.25%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

G. W. Jones Exchange Bank’s Texas Ratio stayed near 3.81% in Q3 2023 to 4.25% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.4 to 5.0 and its Health Grade from A- to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$123M	4.25%	5.0	A+
March 31, 2026	$108M	0.79%	5.0	A+
December 31, 2025	$112M	0.55%	5.0	A+
September 30, 2025	$111M	0.58%	5.0	A+
June 30, 2025	$108M	0.63%	5.0	A+
March 31, 2025	$109M	0.70%	5.0	A+
December 31, 2024	$107M	1.36%	5.0	A+
September 30, 2024	$104M	2.80%	5.0	A+
June 30, 2024	$101M	3.67%	5.0	A+
March 31, 2024	$124M	3.22%	5.0	A+
December 31, 2023	$127M	3.43%	4.6	A
September 30, 2023	$124M	3.81%	4.4	A-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for G. W. Jones Exchange 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 G. W. Jones Exchange 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 G. W. Jones Exchange Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name G. W. Jones Exchange Bank

Bank Holding Company JONES BCORP INC

Address 115 W Main St, Marcellus, MI 49067 · Cass

Website https://www.gwjonesbank.com

FDIC Certificate # 999

Established 18770528

FDIC Insurance Date 19340101

Domestic Offices 4

Total Branches 4

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.25%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9044%

Return on Equity (ROE) 10.1100%

Non-Performing Loans (NPL) 0.33%

Total Assets $122,764,000

Total Deposits $110,942,000

Equity Capital $10,673,000

Net Income $516,000

Headquarters Marcellus

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

G. W. Jones Exchange Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About G. W. Jones Exchange Bank

How many branches does G. W. Jones Exchange Bank operate?

G. W. Jones Exchange Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, G. W. Jones Exchange Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, G. W. Jones Exchange Bank provides members with tools to manage their accounts and build a solid financial history.

Does G. W. Jones Exchange Bank offer online and mobile banking?

Most modern institutions like G. W. Jones Exchange Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.gwjonesbank.com.