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Advertiser Disclosure
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 Golden Belt Bank, FSA Rates & Review November 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.
Read Full Bio →
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 and Verified: November 5, 2026
Golden Belt Bank, FSA's 1 Year CD rates are at 3.75%, 9-Month CD rates are at 3.70%, 6-Month CD rates are at 3.65%, 3-Month CD rates are at 3.25%, 18-Month CD rates are at 3.00%. Golden Belt Bank, FSA's savings rates are at 0.15%. Golden Belt Bank, FSA's money market rates are at 2.33%. Golden Belt Bank, FSA's checking rates are as high as 3.04%. Golden Belt Bank, FSA's 15 Year Fixed Mortgage rates are at 6.875%, 20 Year Fixed Mortgage rates are at 7.00%, 5/1 ARM Mortgage rates are at 6.625%, 7/1 ARM Mortgage rates are at 7.125%, 30 Year Fixed Mortgage rates are at 7.375%. Golden Belt Bank, FSA's Auto Loan Rates are as low as 5.27%. Golden Belt Bank, FSA's top CD rate of 3.75% APY on a 12 month CD is 24% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Golden Belt Bank, FSA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 11/05/2026. Golden Belt Bank, FSA 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 Golden Belt Bank, FSA? Share your experience about Golden Belt Bank, FSA by leaving a review below, or read customer reviews before you decide to use Golden Belt Bank, FSA. 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. Golden Belt Bank, FSA CD Rates
Golden Belt Bank, FSA Business Savings Rates
Golden Belt Bank, FSA Money Market Rates
Golden Belt Bank, FSA Business Money Market Rates
Golden Belt Bank, FSA Checking Rates
Golden Belt Bank, FSA Business Checking Rates
Golden Belt Bank, FSA Mortgage Rates
Golden Belt Bank, FSA Home Equity & HELOC
Golden Belt Bank, FSA Auto Loan Rates
Golden Belt Bank, FSA Personal Loan Rates
Golden Belt Bank, FSA Other Rates
Financial Health HistoryGolden Belt Bank, FSA’s Texas Ratio fell from 5.27% in Q3 2023 to 4.37% 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 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Golden Belt Bank, FSA 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 Golden Belt Bank, FSA 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 Golden Belt Bank, FSA's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Golden Belt Bank, FSA
Website
https://www.goldenbeltbank.com
Address
1100 E 27th St,
Hays, KS 67601 · Ellis
Bank Holding Company
MID-AMERICA FINANCIAL CORP
FDIC Certificate #
28735
Regulator
OCC
Established
January 1, 1920
FDIC Insurance Date
August 9, 1989
Domestic Offices
3
Total Branches
3
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.37%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1530%
Return on Equity (ROE)
11.0500%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
$373,540,000
Total Deposits
$285,205,000
Equity Capital
$38,194,000
Net Income
$2,127,000
Headquarters
Hays
Total Branches and Offices
3
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
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Add Your Rating and Review for Golden Belt Bank, FSA
Frequently Asked Questions About Golden Belt Bank, FSADoes Golden Belt Bank, FSA offer CDs?Yes. Golden Belt Bank, FSA current CD rates include its 1 Year CD at 3.75% APY, its 9-Month CD at 3.70% APY and its 6-Month CD at 3.65% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Golden Belt Bank, FSA FDIC insured?Yes. Golden Belt Bank, FSA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Golden Belt Bank, FSA?The highest Golden Belt Bank, FSA CD rate is its 1 Year CD at 3.75% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Golden Belt Bank, FSA offer?Golden Belt Bank, FSA CD rates are 3.25% APY for a 3 month CD, 3.65% APY for a 6 month CD, 3.70% APY for a 9 month CD, 3.75% APY for a 12 month CD, 3.00% APY for an 18 month CD, 2.75% APY for a 2 year CD and 2.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Golden Belt Bank, FSA for its full lineup. What is the highest savings rate at Golden Belt Bank, FSA?The highest Golden Belt Bank, FSA savings rate is its Business Statement Savings at 0.15% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Golden Belt Bank, FSA?The highest Golden Belt Bank, FSA money market rate is its Business Money Market at 2.33% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Golden Belt Bank, FSA?The highest Golden Belt Bank, FSA checking rate is its Rewards Checking at 3.04% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest 30 year fixed mortgage rate at Golden Belt Bank, FSA?The lowest Golden Belt Bank, FSA 30 year fixed mortgage rate is its 30 Year Fixed Mortgage at 7.375%, verified by MonitorBankRates as of November 5, 2026. Golden Belt Bank, FSA mortgage rates are 7.375% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage, 6.625% for a 5/1 ARM and 7.125% for a 7/1 ARM. What is the lowest auto loan rate at Golden Belt Bank, FSA?The lowest Golden Belt Bank, FSA auto loan rate is its Auto/Personal Loans - 36 months at 4.95%, verified by MonitorBankRates as of November 5, 2026. Golden Belt Bank, FSA auto loan rates are 4.95% for a 36 month auto loan, 5.45% for a 60 month auto loan and 5.70% for a 72 month auto loan. What is the lowest personal loan rate at Golden Belt Bank, FSA?The lowest Golden Belt Bank, FSA personal loan rate is its Auto/Personal Loans - 36 months at 4.95%, verified by MonitorBankRates as of November 5, 2026. Golden Belt Bank, FSA personal loan rates are 4.95% for a 36 month personal loan, 5.45% for a 60 month personal loan and 5.70% for a 72 month personal loan. How many branches does Golden Belt Bank, FSA operate?Golden Belt Bank, FSA currently maintains approximately 3 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, Golden Belt Bank, FSA 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, Golden Belt Bank, FSA provides members with tools to manage their accounts and build a solid financial history. Does Golden Belt Bank, FSA offer online and mobile banking?Most modern institutions like Golden Belt Bank, FSA 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.goldenbeltbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Golden Belt Bank, FSA rates compare?Golden Belt Bank, FSA's top CD rate of 3.75% APY on a 12 month CD is 24% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A+ health rating. Golden Belt Bank, FSA's top rates are its 1 Year CD at 3.75% APY, its Business Statement Savings at 0.15% APY, its Business Money Market at 2.33% APY, its Rewards Checking at 3.04% APY, its 5/1 ARM Mortgage at 6.625% and its Auto/Personal Loans - 36 months at 5.27% APR, verified by MonitorBankRates on November 5, 2026. Current Golden Belt Bank, FSA Rates
Retrieved from our database of financial products. Rates subject to change.
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