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 Gainey Business Bank Rates & Review May 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: May 18, 2026
Gainey Business Bank's 60 Certificates of Deposits(Personal and Business) rates are at 3.92%, Certificates of Deposits(Personal and Business) 60-Month rates are at 3.92%, 48 Certificates of Deposits(Personal and Business) rates are at 3.66%, Certificates of Deposits(Personal and Business) 48-Month rates are at 3.66%, 36 Certificates of Deposits(Personal and Business) rates are at 3.51%. Gainey Business Bank's savings rates are at 0.00%. MonitorBankRates evaluates the financial stability of Gainey Business Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/18/2026. Gainey Business 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 Gainey Business Bank? Share your experience about Gainey Business Bank by leaving a review below, or read customer reviews before you decide to use Gainey Business Bank. 
Gainey Business Bank CD Rates
Gainey Business Bank Savings Rates
Gainey Business Bank Money Market Rates
Gainey Business Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Gainey Business 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 Gainey Business 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 Gainey Business Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Gainey Business Bank
FDIC Certificate #
59273
Address
8501 N Scottsdale Rd,
Scottsdale, AZ 85253 · Maricopa
Established
06/08/2022
FDIC Insurance Date
06/08/2022
Domestic Offices
1
Total Branches
1
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 100/100
5.0
Exceptional
Out of 5.0 Stars
0.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
-10.9921%
Return on Equity (ROE)
-23.3500%
Non-Performing Loans (NPL)
0.00%
Total Assets
$103,885,000
Total Deposits
$94,399,000
Equity Capital
$8,173,000
Net Income
$-1,283,000
Headquarters
Scottsdale
Total Offices
1
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsUgiB
December 17, 2025
TWhR
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Frequently Asked Questions About Gainey Business BankHow many branches does Gainey Business Bank operate?Gainey Business Bank currently maintains approximately 1 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, Gainey Business 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, Gainey Business Bank provides members with tools to manage their accounts and build a solid financial history. Does Gainey Business Bank offer online and mobile banking?Most modern institutions like Gainey Business 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.gaineybusinessbank.com. Current Gainey Business Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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