What are the current interest rates at Quail Creek Bank?

Current rates for Quail Creek Bank include: 12-Month CD: 3.85%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, Savings: 10.52%, MMA: 1.81%

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Quail Creek Bank Rates & Review October 2026

Q: How many branches does Quail Creek Bank operate?

Quail Creek Bank currently maintains approximately 1 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, Quail Creek 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, Quail Creek 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: October 12, 2026

Quail Creek Bank's top rates as of October 12, 2026 are 3.85% APY on its 1 Year Certificate, 10.52% APY on savings, and 1.81% APY on money market accounts, according to rates verified by MonitorBankRates. Other Quail Creek Bank CD rates include 6-Month Certificate at 3.75%, 3-Month Certificate at 3.15%, and 18-Month IRA Account at 3.00%. MonitorBankRates evaluates the financial stability of Quail Creek Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.61%. Rates last updated and verified on 10/12/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.61%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Quail Creek Bank

12201 N May Ave
Oklahoma City, OK 73120

https://www.quailcreek.bank

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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.

Quail Creek Bank CD Rates

Product	Rate	APY	Term
1 Year Certificate	3.78%	3.85%	1 Year
Min Deposit $2,500 Details Daily Balances of : $2,500.00 and up Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
6 Month Certificate	3.68%	3.75%	6 Month
Min Deposit $2,500 Details Daily Balances of : $2,500.00 and up Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
3 Month Certificate	3.10%	3.15%	3 Month
Min Deposit $2,500 Details Daily Balances of : $2,500.00 and up Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
18 Month IRA Account	2.96%	3.00%	18 Month
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
2 Year Certificate	2.96%	3.00%	2 Year
Min Deposit $2,500 Min Balance $2,500 Details Daily Balances of : $2,500.00 and up Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75% Oct 12, 20263.00%▲ from 2.75% Sep 28, 20262.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%

Quail Creek Bank Savings Rates

Product	Rate	APY
LINQUP Savings	-	10.52%
Min Balance $1,000 Details APY on the first $1,000 you deposit to this account and the standard savings account APY on balances of $1,000.01 and above; Match your initial deposit up to a $50 maximum; Additional $50 incentive if you enroll for EZ-Allowance or Direct Deposit ($50 max); Account available for those 30 years old or younger. Last Updated 10/12/2026 Rate History No change since Sep 20, 2026 · 10.52% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Health Savings account (HSA)	0.99%	1.00%
Min Deposit $0 Min Balance $0 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Savings	0.60%	0.60%
Min Deposit $1 Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 0.60% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%

Quail Creek Bank Money Market Rates

Product	Rate	APY
Premier Money Market	1.80%	1.81%
Min Deposit $5,000 Min Balance $250,000 Details Daily Balances of : $250,000.00 and up Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 1.61% → 1.81% ▲ 0.20 pts · high 1.81% / low 1.61% Oct 12, 20261.81%▲ from 1.61% Sep 28, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Premier Money Market	1.70%	1.71%
Min Deposit $5,000 Min Balance $100,000 Details Daily Balances of : $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 1.61% → 1.71% ▲ 0.10 pts · high 1.71% / low 1.61% Oct 12, 20261.71%▲ from 1.61% Sep 28, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Premier Money Market	1.35%	1.36%
Min Deposit $5,000 Min Balance $25,000 Details Daily Balances of : $25,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.36% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Premier Money Market	1.10%	1.11%
Min Deposit $5,000 Min Balance $5,000 Details Daily Balances of : $5,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.11% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%

Quail Creek Bank Other Rates

Product	Rate	Points	APY/APR
Elite	1.35%	-	1.36%
Min Deposit $50,000 Min Balance $50,000 Details Daily Balances of : $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 1.36% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Elite	1.70%	-	1.71%
Min Deposit $50,000 Min Balance $100,000 Details Daily Balances of : $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 1.61% → 1.71% ▲ 0.10 pts · high 1.71% / low 1.61% Oct 12, 20261.71%▲ from 1.61% Sep 28, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
Elite	1.80%	-	1.81%
Min Deposit $50,000 Min Balance $250,000 Details Daily Balances of : $250,000.00 and up Last Updated 10/12/2026 Rate History 1 change since Sep 28, 2026 · 1.61% → 1.81% ▲ 0.20 pts · high 1.81% / low 1.61% Oct 12, 20261.81%▲ from 1.61% Sep 28, 20261.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%
QMunity	3.20%	-	3.25%
Min Deposit $0 Min Balance $10,000 Details Limitations apply. Visit with a member of our Client Services team for details. Last Updated 10/12/2026 Rate History No change since Sep 28, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.61%

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

Quail Creek Bank’s Texas Ratio rose from 1.89% in Q3 2023 to 6.61% in Q2 2026, so its financial health has held steady at a healthy level 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	$831M	6.61%	5.0	A
March 31, 2026	$826M	10.53%	5.0	A
December 31, 2025	$822M	10.32%	5.0	A
September 30, 2025	$799M	9.98%	5.0	A
June 30, 2025	$788M	5.00%	5.0	A+
March 31, 2025	$781M	2.21%	5.0	A+
December 31, 2024	$781M	2.91%	5.0	A+
September 30, 2024	$782M	2.35%	5.0	A+
June 30, 2024	$798M	2.40%	5.0	A+
March 31, 2024	$780M	2.79%	5.0	A+
December 31, 2023	$783M	2.41%	5.0	A+
September 30, 2023	$765M	1.89%	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 Quail Creek 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 Quail Creek 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 Quail Creek Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Quail Creek Bank

Bank Holding Company QUAIL CREEK BANCSHARES INC

Address 12201 N May Ave, Oklahoma City, OK 73120 · Oklahoma

Website https://www.quailcreek.bank

FDIC Certificate # 21848

Established 19741204

FDIC Insurance Date 19741204

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.61%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.7214%

Return on Equity (ROE) 19.2100%

Non-Performing Loans (NPL) 0.48%

Total Assets $831,201,000

Total Deposits $756,466,000

Equity Capital $72,152,000

Net Income $7,114,000

Headquarters Oklahoma City

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Quail Creek Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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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 Quail Creek Bank

How many branches does Quail Creek Bank operate?

Quail Creek Bank currently maintains approximately 1 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, Quail Creek 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, Quail Creek Bank provides members with tools to manage their accounts and build a solid financial history.

Does Quail Creek Bank offer online and mobile banking?

Most modern institutions like Quail Creek 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.quailcreek.bank.