Gainey Business Bank Rates and Review February 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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Gainey Business Bank's Certificate of Deposit 60-Month rates are at 3.92%, Certificates of Deposits(Personal and Business) 60-Month rates are at 3.92%, Certificate of Deposit 48-Month rates are at 3.66%, Certificates of Deposits(Personal and Business) 48-Month rates are at 3.66%, Certificate of Deposit 36-Month rates are at 3.51%. Gainey Business Bank's savings rates are at 0.00%.
Rate Updates and AvailabilityGainey 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 Texas RatioGainey Business Bank's Texas Ratio is at 0.00%, which is considered perfect. The Texas Ratio for Gainey Business 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
Excellent
Out of 5.0 Stars
Gainey Business 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, Gainey Business Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
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 & OverviewGainey Business Bank
8501 N Scottsdale RdScottsdale, AZ 85253 Maricopa Established Date: 06/08/2022 FDIC Certificate #: 59273 Date of FDIC Deposit Insurance: 06/08/2022 How Many Domestic U.S. Offices? 1 How Many Branches are There? 1 Website: https://www.gaineybusinessbank.com
Is Gainey Business Bank FDIC Insured? Yes
What is Gainey Business Bank's Cert number? 59273
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$46,803,000
Total Deposits:
$34,667,000
Equity Capital:
$10,990,000
Net Income:
$-568,000
Return on Assets (ROA):
-10.9921%
Return on Equity (ROE):
-23.3500%
Headquarters:
Scottsdale
Regulator:
FDIC
# of Offices:
1
Source: FDIC | Last Updated 03/31/2024
Frequently Asked Questions About Gainey Business BankHow do I open an account at Gainey Business Bank?You can typically open an account at Gainey Business Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Gainey Business Bank provides a range of mortgage and home equity products. Is Gainey Business Bank a safe place to deposit money?Yes, Gainey Business Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Gainey Business Bank offer online and mobile banking?Most modern institutions like Gainey Business Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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