What are the current interest rates at Grant County Bank?

Current rates for Grant County Bank include: 12-Month CD: 3.87%, 18-Month CD: 3.97%, 24-Month CD: 4.08%, 36-Month CD: 4.27%, 48-Month CD: 4.32%, 60-Month CD: 4.38%, Savings: 1.21%, MMA: 1.92%

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Grant County Bank

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Grant County Bank Rates & Review September 2026

Q: How many branches does Grant County Bank operate?

Grant County Bank currently maintains approximately 2 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, Grant County 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, Grant County 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 14, 2026

Grant County Bank's 5 Year Certificates of Deposit (CDs) rates are at 4.48%, 5 Year IRA Certificate rates are at 4.48%, 4 Year Certificates of Deposit (CDs) rates are at 4.42%, 4 Year IRA Certificate rates are at 4.42%, 5 Year Certificates of Deposit (CDs) rates are at 4.38%. Grant County Bank's savings rates are at 1.21%. Grant County Bank's money market rates are at 1.92%. MonitorBankRates evaluates the financial stability of Grant County Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.01%. Rates last updated and verified on 09/14/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.01%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Grant County Bank

201 S Main St
Ulysses, KS 67880

https://www.gcbks.bank

Grant County Bank CD Rates

Product	Rate	APY	Term
5 Year Certificates of Deposit (CDs)	4.44%	4.48%	5 Year
Min Deposit $1,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
5 Year IRA Certificate	4.44%	4.48%	5 Year
Min Deposit $1,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)	4.38%	4.42%	4 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
4 Year IRA Certificate	4.38%	4.42%	4 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
5 Year Certificates of Deposit (CDs)	4.34%	4.38%	5 Year
Min Deposit $1,000 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
5 Year IRA Certificate	4.34%	4.38%	5 Year
Min Deposit $1,000 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 5 Year	4.34%	4.38%	5 Year
Min Deposit $1,000 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)	4.33%	4.37%	3 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Year IRA Certificate	4.33%	4.37%	3 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
4 Year Certificates of Deposit (CDs)	4.28%	4.32%	4 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
4 Year IRA Certificate	4.28%	4.32%	4 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 4 Year	4.28%	4.32%	4 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Year Certificates of Deposit (CDs)	4.23%	4.27%	3 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Year IRA Certificate	4.23%	4.27%	3 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 3 Year	4.23%	4.27%	3 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)	4.14%	4.18%	2 Year Variable Rate
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)	4.14%	4.18%	2 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year IRA Certificate	4.14%	4.18%	2 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)	4.04%	4.08%	2 Year Variable Rate
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year Certificates of Deposit (CDs)	4.04%	4.08%	2 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
2 Year IRA Certificate	4.04%	4.08%	2 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 2 Year	4.04%	4.08%	2 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
18 Month Certificates of Deposit (CDs)	4.03%	4.07%	18 Month
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
18 Month IRA Certificate	4.03%	4.07%	18 Months
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)	3.93%	3.97%	1 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year IRA Certificate	3.93%	3.97%	1 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year Variable Rate	3.93%	3.97%	1 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
18 Month Certificates of Deposit (CDs)	3.93%	3.97%	18 Month
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
18 Month IRA Certificate	3.93%	3.97%	18 Months
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 1 Year Variable Rate	3.93%	3.97%	1 Year Variable Rate
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 18 month	3.93%	3.97%	18 Months
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year Certificates of Deposit (CDs)	3.83%	3.87%	1 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year IRA Certificate	3.83%	3.87%	1 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
1 Year Variable Rate	3.83%	3.87%	1 Year
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 1 Year Variable Rate	3.83%	3.87%	1 Year Variable Rate
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)	3.82%	3.85%	6 Month
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)	3.74%	3.79%	3 Month
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
6 Month Certificates of Deposit (CDs)	3.72%	3.75%	6 Month
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
3 Month Certificates of Deposit (CDs)	3.64%	3.69%	3 Month
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
7 - 31 Day Certificates of Deposit (CDs)	2.10%	2.12%	7 - 31 Day
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
7 - 31 Day Certificates of Deposit (CDs)	2.00%	2.02%	7 - 31 Day
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%

Grant County Bank Savings Rates

Product	Rate	APY
Regular Savings	1.25%	1.26%
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Regular Savings	1.20%	1.21%
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%

Grant County Bank Money Market Rates

Product	Rate	APY
Money Market Account	2.80%	2.84%
Min Deposit $1,000 Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Money Market Account	2.70%	2.73%
Min Deposit $1,000 Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Money Market Account	2.30%	2.32%
Min Deposit $1,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Money Market Account	1.90%	1.92%
Min Deposit $1,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%

Grant County Bank Checking Rates

Product	Rate	APY
Classic Business Checking	0.25%	0.25%
Min Deposit $100 Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Classic Checking	0.25%	0.25%
Min Deposit $100 Min Balance $1,000,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Classic Business Checking	0.20%	0.20%
Min Deposit $100 Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Classic Checking	0.20%	0.20%
Min Deposit $100 Min Balance $250,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Classic Business Checking	0.15%	0.15%
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
Classic Checking	0.15%	0.15%
Min Deposit $100 Min Balance $0 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%

Grant County Bank Other Rates

Product	Rate	Points	APY/APR	Term
IRA Certificates - 18 Months	4.03%	-	4.07%	18 Months
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 2 Year	4.14%	-	4.18%	2 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 3 Year	4.33%	-	4.37%	3 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 4 Year	4.38%	-	4.42%	4 Year
Min Deposit $100 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%
IRA Certificates - 5 Year	4.44%	-	4.48%	5 Year
Min Deposit $1,000 Min Balance $100,000 Last Updated 09/14/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.01%

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

Grant County Bank’s Texas Ratio rose from 3.74% in Q3 2023 to 10.01% 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 and its Health Grade from A+ to A. 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	$298M	10.01%	5.0	A
March 31, 2026	$306M	10.17%	5.0	A
December 31, 2025	$309M	11.85%	5.0	A
September 30, 2025	$300M	19.51%	4.6	B
June 30, 2025	$308M	23.30%	4.3	B-
March 31, 2025	$298M	29.26%	3.8	C
December 31, 2024	$307M	32.03%	3.6	D
September 30, 2024	$297M	29.08%	3.8	C
June 30, 2024	$296M	3.31%	5.0	A+
March 31, 2024	$296M	3.25%	5.0	A+
December 31, 2023	$307M	2.63%	5.0	A+
September 30, 2023	$277M	3.74%	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 Grant County 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 Grant County 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 Grant County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Grant County Bank

Bank Holding Company RESOURCE ONE INC

Address 201 S Main St, Ulysses, KS 67880 · Grant

Website https://www.gcbks.bank

FDIC Certificate # 10918

Established 19060101

FDIC Insurance Date 19340101

Domestic Offices 2

Total Branches 2

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

10.01%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7872%

Return on Equity (ROE) 14.9900%

Non-Performing Loans (NPL) 1.20%

Total Assets $298,344,000

Total Deposits $251,658,000

Equity Capital $36,343,000

Net Income $2,721,000

Headquarters Ulysses

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Grant County Bank earned the Verified Healthy badge

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Frequently Asked Questions About Grant County Bank

How many branches does Grant County Bank operate?

Grant County Bank currently maintains approximately 2 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, Grant County 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, Grant County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Grant County Bank offer online and mobile banking?

Most modern institutions like Grant County 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.gcbks.bank.