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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SpiritBank Rates & Review June 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: June 16, 2026
SpiritBank's 7-Month CD Special rates are at 3.95%, 9-Month CD Special rates are at 3.85%, IRA variable 30-month rates are at 3.79%, 13-Month CD Special rates are at 3.75%, IRA variable 18-month rates are at 3.71%. SpiritBank's savings rates are at 0.40%. SpiritBank's money market rates are at 0.75%. MonitorBankRates evaluates the financial stability of SpiritBank with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.26%. Rates were last updated on 06/16/2026. SpiritBank 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 SpiritBank? Share your experience about SpiritBank by leaving a review below, or read customer reviews before you decide to use SpiritBank. 
SpiritBank CD Rates
SpiritBank Savings Rates
SpiritBank Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for SpiritBank 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 SpiritBank 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 SpiritBank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
SpiritBank
Bank Holding Company
SPIRIT BANKCORP INC
Address
4815 S Harvard Ave,
Tulsa, OK 74135 · Tulsa
Website
https://www.spiritbank.com
FDIC Certificate #
4048
Established
05/05/1916
FDIC Insurance Date
01/01/1934
Domestic Offices
6
Total Branches
6
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB+
Overall Health Grade
Score: 88/100
4.7
Excellent
Out of 5.0 Stars
18.26%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.9025%
Return on Equity (ROE)
8.1200%
Non-Performing Loans (NPL)
1.51%
Total Assets
$936,317,000
Total Deposits
$843,251,000
Equity Capital
$84,611,000
Net Income
$11,793,000
Headquarters
Tulsa
Total Branches and Offices
6
Source: FDIC | Last Updated 12/31/2025
Customer Reviews
There are no reviews for SpiritBank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for SpiritBank
Frequently Asked Questions About SpiritBankHow many branches does SpiritBank operate?SpiritBank currently maintains approximately 6 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, SpiritBank 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, SpiritBank provides members with tools to manage their accounts and build a solid financial history. Does SpiritBank offer online and mobile banking?Most modern institutions like SpiritBank 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.spiritbank.com. Current SpiritBank Rates
Retrieved from our database of financial products. Rates subject to change.
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