What are the current interest rates at Great Southern Bank?

Current rates for Great Southern Bank include: 12-Month CD: 2.50%

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Great Southern Bank

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Great Southern Bank Rates & Review September 2026

Q: How many branches does Great Southern Bank operate?

Great Southern Bank currently maintains approximately 108 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, 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Great Southern Bank's 3-Months 3-Month CD rates are at 3.40%, 6-Months 6-Month CD rates are at 3.40%, 11-Months 11-Month CD rates are at 2.50%. Great Southern Bank's Conventional 15 Year Fixed +1pt rates are at 6.50%, Conventional 15 Year Fixed rates are at 6.88%, Conventional 30 Year Fixed +1pt rates are at 6.88%, Conventional 30 Year Fixed rates are at 7.12%, VA 30 Year Fixed rates are at 7.00%. Great Southern Bank's RV, Boat and Powersport Loan Rates are as low as 8.99%. 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 1.55%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.55%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Great Southern Bank

14309 State Highway 13
Reeds Spring, MO 65737

https://www.greatsouthernbank.com

Great Southern Bank CD Rates

Product	Rate	APY	Term
3-Month CD	-	3.40%	3 months
Min Deposit $1,000 Details Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
6-Month CD	-	3.40%	6 months
Min Deposit $1,000 Details Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
11-Month CD	-	2.50%	11 months
Min Deposit $1,000 Details Interest Payment Options Early withdrawal penalty Penalty for early withdrawal. Many interest payment options are available. Ask an associate for details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

Great Southern Bank Mortgage Rates

Product	Rate	Points	APR	Term
Conventional 15 Year Fixed +1pt	6.50%	1	7.04%	15 Year Fixed
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Conventional 15 Year Fixed	6.88%	0	7.10%	15 Year Fixed
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Conventional 30 Year Fixed +1pt	6.88%	1	7.21%	30 Year Fixed
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Conventional 30 Year Fixed	7.13%	0	7.26%	30 Year Fixed
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
VA 30 Year Fixed	7.00%	0	7.29%	30 Year Fixed
Details Designed for Veterans and eligible surviving spouses to become homeowners, with little or no down payment on a primary residence purchase. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
USDA/Rural Housing 30 Year Fixed Rate	6.75%	0	7.34%	30 Year Fixed Rate
Details This loan is part of the Rural Development program and allows for closing costs and possible repairs to be financed within the loan. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
VA 30 Year Fixed +1pt	6.88%	1	7.36%	30 Year Fixed
Details Designed for Veterans and eligible surviving spouses to become homeowners, with little or no down payment on a primary residence purchase. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Mortgage Rates - FHA 30 Year Fixed	6.75%	0	7.74%	30 Year Fixed
Details A popular choice for smaller down payments or lower credit scores. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
FHA 30 Year Fixed +1pt	6.63%	1	8.00%	30 Year Fixed
Details A popular choice for smaller down payments or lower credit scores. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

Great Southern Bank Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Automobile Loans	-	-	6.24%
Details Rate assumes credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. Competitive rate and terms. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

Great Southern Bank RV, Boat and Powersport Loan Rates

Product	Rate	APR
Motorcycle Loan	-	7.24%
Details Rate assumes credit score of 740+, motorcycle is 2025 or newer, financing for 60 months and payment is auto debit. Competitive rate and terms. Rate Discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Boat Loans	-	7.99%
Details Rate assumes credit score of 740+, boat is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for purchase or refinance. Competitive rate and terms. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
RV/Tractor/Trailer Loan	-	7.99%
Details Rate assumes credit score of 740+, RV, Tractor or trailer is 2025 or newer, financing for 60 months and payment is auto debit. Competitive rate and terms. Rate Discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Gator/ATV/Personal Watercraft Loan	-	8.99%
Details Rate assumes credit score of 740+, Gator/ATV/Personal Watercraft is 2025 or newer, financing for 60 months and payment is auto debit. Competitive rate and terms. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

Great Southern Bank Personal Loan Rates

Product	APR	Term
Gator/ATV/Personal Watercraft Loan	8.99%
Details Rate assumes credit score of 740+, Gator/ATV/Personal Watercraft is 2025 or newer, financing for 60 months and payment is auto debit. Competitive rate and terms. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Homeowners Unsecured Loan	10.99%	up to 84 months
Details Four (4) years of homeownership required, minimum credit score of 740 and payment is auto deducted. Loans from $4,000 - $12,000. Preferred rate with extended terms up to 84 months. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Personal Line of Credit	13.00%
Details Lines from $4,000 to $10,000 available based on credit qualifications Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%
Unsecured Loans	14.99%
Details Maximum term is 36 months and payment is auto debit. Competitive rate and terms. Rate discount for automatic payments. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

Great Southern Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Construction Only Loans	7.50%	0.25	9.38%
Details Building a custom home? Building a second home? Construction financing is available for construction of one to four units, as well as major renovations and home additions. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.55%

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

Great Southern Bank’s Texas Ratio stayed near 1.82% in Q3 2023 to 1.55% 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 — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$5.5B	1.55%	5.0	A+
March 31, 2026	$5.7B	1.65%	5.0	A+
December 31, 2025	$5.6B	1.33%	5.0	A+
September 30, 2025	$5.7B	1.22%	5.0	A+
June 30, 2025	$5.9B	1.28%	5.0	A+
March 31, 2025	$6.0B	1.52%	5.0	A+
December 31, 2024	$6.0B	1.55%	5.0	A+
September 30, 2024	$6.0B	1.20%	5.0	A+
June 30, 2024	$6.0B	3.29%	5.0	A+
March 31, 2024	$5.8B	3.60%	5.0	A+
December 31, 2023	$5.8B	1.87%	5.0	A+
September 30, 2023	$5.8B	1.82%	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 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

Website https://www.greatsouthernbank.com

FDIC Certificate # 29546

Established 19230101

FDIC Insurance Date 19890809

Domestic Offices 108

Total Branches 108

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

1.55%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2614%

Return on Equity (ROE) 11.6100%

Non-Performing Loans (NPL) 0.02%

Total Assets $5,526,075,000

Total Deposits $4,376,365,000

Equity Capital $607,056,000

Net Income $35,361,000

Headquarters Reeds Spring

Total Branches and Offices 108

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Great Southern Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Great Southern Bank

How many branches does Great Southern Bank operate?

Great Southern Bank currently maintains approximately 108 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.