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Great Southern Bank Rates & Review March 2026

Great Southern Bank's 3-Month CD rates are at 3.40%, 6-Month CD rates are at 3.40%, 11-Month CD rates are at 2.50%. Great Southern Bank's Personal Loan Rates are at 9.20%. MonitorBankRates evaluates the financial stability of Great Southern Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.82%. Rates were last updated on 03/26/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.82%
Excellent Lower than avg
Great Southern Bank
14309 State Highway 13
Reeds Spring, MO 65737
https://www.greatsouthernbank.com
Member FDIC

Great Southern Bank CD Rates

Product Rate APY Term View More
3-Month CD - 3.40% 3
Min Deposit $1,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%
6-Month CD - 3.40% 6
Min Deposit $1,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%
11-Month CD - 2.50% 11
Min Deposit $1,000
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%

Great Southern Bank Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Line of Credit 5.75% - 5.75%
No additional details.
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%
Home Equity Line of Credit (HELOC) - - 5.75%
Details Intro rate expires: 6 months
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%
Home Equity Loan 7.24% - 7.71%
No additional details.
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%

Great Southern Bank Personal Loan Rates

Product Rate APR View More
Gator/ATV/Personal Watercraft Loan 8.99% 9.20%
No additional details.
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%
Personal Line of Credit 12.75% 12.75%
No additional details.
Last Updated 03/26/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 1.82%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Great Southern 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 Great Southern 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 Great Southern Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Great Southern Bank
Bank Holding Company GREAT SOUTHERN BCORP INC
Address 14309 State Highway 13, Reeds Spring, MO 65737  ·  Stone
FDIC Certificate # 29546
Established 01/01/1923
FDIC Insurance Date 08/09/1989
Domestic Offices 112
Total Branches 112
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 99/100
5.0
Exceptional Out of 5.0 Stars
1.82%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 1.3931%
Return on Equity (ROE) 13.0200%
Non-Performing Loans (NPL) 0.19%
Total Assets $5,603,078,000
Total Deposits $4,544,883,000
Equity Capital $610,219,000
Net Income $76,717,000
Headquarters Reeds Spring
Total Offices 112
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About Great Southern Bank

Is Great Southern Bank a safe place to deposit money?

Yes, Great Southern Bank is considered a safe financial institution. With a Texas Ratio of 1.8205074763339%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Great Southern Bank operate?

Great Southern Bank currently maintains approximately 112 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, Great Southern 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, Great Southern Bank provides members with tools to manage their accounts and build a solid financial history.

Does Great Southern Bank offer online and mobile banking?

Most modern institutions like Great Southern 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.greatsouthernbank.com.

Current Great Southern Bank Rates

  • 12-Month CD2.50%
Retrieved from our database of financial products. Rates subject to change.