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Grand Savings Bank

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Grand Savings Bank Rates & Review September 2026

Q: How many branches does Grand Savings Bank operate?

Grand Savings Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Grand Savings 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Grand Savings 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: September 19, 2026

Grand Savings Bank's Auto Loan Rates are as low as 4.49%. MonitorBankRates evaluates the financial stability of Grand Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.58%. Rates last updated and verified on 09/19/2026.

Grand Savings 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 Grand Savings Bank? Share your experience about Grand Savings Bank by leaving a review below, or read customer reviews before you decide to use Grand Savings Bank.

Verified Healthy 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

4.58%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

Grand Savings Bank

1022 S Main St
Grove, OK 74344

https://www.grandsavingsbank.com

Grand Savings Bank Checking Rates

Product	Rate	APY
Grand Rewards Checking	4.00%	4.07%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 15 GSB MasterCard debit card transactions greater than or equal to $5.00 each that post and clear per qualification cycle; One ACH Automatic Credit; Access online banking at least 1 time during your qualification cycle; Receive an e-statement; First tier variable rate on balances less than $25,000.00; Blended APY ranging from 4.07% to .05% depending on the account balance; Base rate applies to non-qualified cycles: Interest Rate 0.20% / APY 0.20%; Annual Percentage Yield (APY) accurate as of 04/06/2026 and is subject to change at the bank's discretion; Interest compounded monthly; Rates may change; Fees may reduce earnings; If online banking, or e-statements are removed then the customer will be moved to Core Checking and charged a $5.00 paper statement fee. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Grand Rewards Checking	0.20%	0.20%
Min Deposit $100 Min Balance $25,000 Details Qualifications Required: 15 GSB MasterCard debit card transactions greater than or equal to $5.00 each that post and clear per qualification cycle; One ACH Automatic Credit; Access online banking at least 1 time during your qualification cycle; Receive an e-statement; Portions of balances equal to or greater than $25,000.01 earn an Interest Rate of 0.05%; the blended APY ranging from 4.07% to .05% depending on the account balance. Base rate applies to non-qualified cycles: Interest Rate 0.20% / APY 0.20%; Annual Percentage Yield (APY) accurate as of 04/06/2026 and is subject to change at the bank's discretion; Interest compounded monthly; Rates may change; Fees may reduce earnings; If online banking, or e-statements are removed then the customer will be moved to Core Checking and charged a $5.00 paper statement fee. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%
Grand Rewards Checking	0.20%	0.20%
Min Deposit $100 Min Balance $0 Details Base rate applies to non-qualified cycles: Interest Rate 0.20% / APY 0.20%; Annual Percentage Yield (APY) accurate as of 04/06/2026 and is subject to change at the bank's discretion; Interest compounded monthly; Rates may change; Fees may reduce earnings; If online banking, or e-statements are removed then the customer will be moved to Core Checking and charged a $5.00 paper statement fee. Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

Grand Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.49%
Details Offer ends September 30th Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

Grand Savings Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loans	-	5.49%
Details Offer ends September 30th Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.58%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Grand Savings Bank’s Texas Ratio rose from 1.45% in Q3 2023 to 4.58% in Q2 2026, so its financial health has weakened 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)

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	$1.0B	4.58%	5.0	A+
March 31, 2026	$1.0B	4.69%	5.0	A+
December 31, 2025	$1.0B	4.71%	5.0	A+
September 30, 2025	$979M	5.19%	5.0	A+
June 30, 2025	$946M	8.07%	5.0	A
March 31, 2025	$939M	8.76%	5.0	A
December 31, 2024	$960M	8.65%	5.0	A
September 30, 2024	$944M	10.82%	5.0	A
June 30, 2024	$920M	8.73%	5.0	A
March 31, 2024	$914M	2.63%	5.0	A+
December 31, 2023	$914M	1.83%	5.0	A+
September 30, 2023	$895M	1.45%	5.0	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 Grand Savings 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 Grand Savings 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 Grand Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Grand Savings Bank

Bank Holding Company GRAND BCORP INC

Address 1022 S Main St, Grove, OK 74344 · Delaware

Website https://www.grandsavingsbank.com

FDIC Certificate # 32084

Established 19810410

FDIC Insurance Date 19890809

Domestic Offices 15

Total Branches 15

Regulator FDIC

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

4.58%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.1933%

Return on Equity (ROE) 18.9400%

Non-Performing Loans (NPL) 0.51%

Total Assets $1,031,498,000

Total Deposits $897,846,000

Equity Capital $122,430,000

Net Income $11,241,000

Headquarters Grove

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Grand Savings Bank earned the Verified Healthy badge

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

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Grand Savings Bank

How many branches does Grand Savings Bank operate?

Grand Savings Bank currently maintains approximately 15 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, Grand Savings 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, Grand Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Grand Savings Bank offer online and mobile banking?

Most modern institutions like Grand Savings 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.grandsavingsbank.com.