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Sutton Bank Rates & Review March 2026

Sutton Bank's 42-Month Certificate of Deposits/IRA's rates are at 0.60%, 36-Month Certificate of Deposits/IRA's rates are at 0.55%, 38-Month Certificate of Deposits/IRA's rates are at 0.55%, 23-Month Certificate of Deposits/IRA's rates are at 0.45%, 24-Month Certificate of Deposits/IRA's rates are at 0.45%. Sutton Bank's savings rates are at 0.01%. Sutton Bank's money market rates are at 0.10%. MonitorBankRates evaluates the financial stability of Sutton Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.52%. Rates were last updated on 03/28/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.52%
Excellent Lower than avg
Sutton Bank
1 S Main St
Attica, OH 44807
https://www.suttonbank.com
Member FDIC

Sutton Bank CD Rates

Product Rate APY Term View More
42 Month Certificate of Deposits/IRA's 0.60% 0.60%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
36 Month Certificate of Deposits/IRA's 0.55% 0.55%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
38 Month Certificate of Deposits/IRA's 0.55% 0.55%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
23 Month Certificate of Deposits/IRA's 0.45% 0.45%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
24 Month Certificate of Deposits/IRA's 0.45% 0.45%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
30 Month Certificate of Deposits/IRA's 0.45% 0.45%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
12 Month Certificate of Deposits/IRA's 0.40% 0.40%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
18 Month Certificate of Deposits/IRA's 0.40% 0.40%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
18 Month Variable IRA Certificate of Deposits/IRA's 0.40% 0.40%
Min Balance $100
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
9 Month Certificate of Deposits/IRA's 0.30% 0.30%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
6 Month Certificate of Deposits/IRA's 0.25% 0.25%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
90 Day Tiered Certificate of Deposits/IRA's 0.15% 0.15%
Min Balance $25,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
90 Day Tiered Certificate of Deposits/IRA's 0.10% 0.10%
Min Balance $10,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
7-31 Day Certificate of Deposits/IRA's 0.05% 0.05%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
90 Day Tiered Certificate of Deposits/IRA's 0.05% 0.05%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
91 Day Certificate of Deposits/IRA's 0.05% 0.05%
Min Balance $1,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%

Sutton Bank Savings Rates

Product Rate APY View More
Rewards Savings 1.00% 1.00%
Min Deposit $50
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Rewards Savings 0.90% 0.90%
Min Deposit $50
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Rewards Savings* 0.90% 0.90%
Min Deposit $50
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Accounts 0.25% 0.25%
Min Deposit $50
Min Balance $15,000
Details Minimum to avoid monthly fees: $1,500.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club 0.20% 0.20%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - AT 0.20% 0.20%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - AT* 0.20% 0.20%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Account 0.20% 0.20%
Min Deposit $50
Min Balance $15,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Accounts 0.20% 0.20%
Min Deposit $50
Min Balance $5,000
Details Minimum to avoid monthly fees: $1,500.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Super Saver 0.15% 0.15%
Min Deposit $5,000
Min Balance $50
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club 0.10% 0.10%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - AT* 0.10% 0.10%
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - CPN 0.10% 0.10%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - CPN* 0.10% 0.10%
Min Deposit $1
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Account 0.10% 0.10%
Min Deposit $50
Min Balance $5,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Statement Savings 0.10% 0.10%
Min Deposit $50
Min Balance $50
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Super Saver 0.10% 0.10%
Min Deposit $5,000
Min Balance $50
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Christmas/Vacation Club - CPN* 0.05% 0.05%
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Account 0.05% 0.05%
Min Deposit $50
Min Balance $500
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Accounts 0.05% 0.05%
Min Deposit $50
Min Balance $2,000
Details Minimum to avoid monthly fees: $1,500.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Statement Savings 0.05% 0.05%
Min Deposit $50
Min Balance $50
Details Minimum to avoid monthly fees: $300.00; Compounding Frequency: Quarterly
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Super Savings 0.05% 0.05%
Min Deposit $5,000
Min Balance $50
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Account 0.01% 0.01%
Min Deposit $50
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Health Savings Accounts 0.01% 0.01%
Min Deposit $50
Min Balance $0
Details Minimum to avoid monthly fees: $1,500.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%

Sutton Bank Money Market Rates

Product Rate APY View More
Business Plus Money Market 3.45% 3.50%
Min Deposit $10,000
Min Balance $1,000,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 2.76% 2.80%
Min Deposit $10,000
Min Balance $500,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 2.47% 2.50%
Min Deposit $10,000
Min Balance $250,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 1.49% 1.50%
Min Deposit $10,000
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 0.50% 0.50%
Min Deposit $10,000
Min Balance $25,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 0.25% 0.25%
Min Deposit $10,000
Min Balance $10,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Business Plus Money Market 0.10% 0.10%
Min Deposit $10,000
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%

Sutton Bank Checking Rates

Product Rate APY View More
Rewards Checking 1.25% 1.26%
Min Deposit $100
Min Balance $0
Details Qualifying balance up to $25,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Rewards Checking* 1.25% 1.26%
Min Deposit $100
Min Balance $0
Details Qualifying balance up to $25,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Rewards Checking 0.90% 0.90%
Min Deposit $100
Min Balance $25,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.85% 0.85%
Min Deposit $5,000
Min Balance $100,000
Details Minimum balance to earn interest: 100,000.00 & over; Minimum to avoid monthly fees: $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.60% 0.60%
Min Deposit $5,000
Min Balance $100,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.50% 0.50%
Min Deposit $5,000
Min Balance $50,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.45% 0.45%
Min Deposit $5,000
Min Balance $50,000
Details Minimum balance to earn interest: 50,000 to 99,999.99; Minimum to avoid monthly fees: $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.35% 0.35%
Min Deposit $5,000
Min Balance $25,000
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.25% 0.25%
Min Deposit $5,000
Min Balance $25,000
Details Minimum balance to earn interest: 25,000 to 49,999.99; Minimum to avoid monthly fees: $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.15% 0.15%
Min Deposit $5,000
Min Balance $10,000
Details Minimum balance to earn interest: 10,000 to 24,999.99; Minimum to avoid monthly fees: $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.10% 0.10%
Min Deposit $5,000
Min Balance $0
Details Minimum balance to earn interest: 0.00 to 9,999.99; Minimum to avoid monthly fees: $10,000.00
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%
Investment Checking 0.05% 0.05%
Min Deposit $5,000
Min Balance $0
Last Updated 03/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.52%

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name Sutton Bank
Bank Holding Company SUTTON BANCSHARES INC
Address 1 S Main St, Attica, OH 44807  ·  Seneca
FDIC Certificate # 5962
Established 01/01/1878
FDIC Insurance Date 01/01/1934
Domestic Offices 9
Total Branches 9
Regulator FDIC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 100/100
5.0
Exceptional Out of 5.0 Stars
0.52%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 4.5233%
Return on Equity (ROE) 61.5200%
Non-Performing Loans (NPL) 0.04%
Total Assets $1,585,129,000
Total Deposits $1,352,944,000
Equity Capital $220,659,000
Net Income $84,255,000
Headquarters Attica
Total Offices 9
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Sutton Bank

Is Sutton Bank a safe place to deposit money?

Yes, Sutton Bank is considered a safe financial institution. With a Texas Ratio of 0.51545076424507%, 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 Sutton Bank operate?

Sutton Bank currently maintains approximately 9 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, Sutton 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, Sutton Bank provides members with tools to manage their accounts and build a solid financial history.

Does Sutton Bank offer online and mobile banking?

Most modern institutions like Sutton 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.suttonbank.com.

Current Sutton Bank Rates

  • 12-Month CD0.40%
  • 18-Month CD0.40%
  • 24-Month CD0.45%
  • 36-Month CD0.55%
  • Savings0.01%
  • MMA0.10%
Retrieved from our database of financial products. Rates subject to change.