What are the current interest rates at Sutton Bank?

Current rates for Sutton Bank include: 12-Month CD: 0.40%, 18-Month CD: 0.40%, 24-Month CD: 0.45%, 36-Month CD: 0.55%, Savings: 0.90%, MMA: 3.50%

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Sutton Bank Rates & Review November 2026

Q: What CD terms does Sutton Bank offer?

Sutton Bank CD rates are 0.40% APY for a 12 month CD, 0.40% APY for an 18 month CD, 0.45% APY for a 23 month CD, 0.45% APY for a 2 year CD, 0.55% APY for a 3 year CD, 0.55% APY for a 38 month CD and 0.60% APY for a 42 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Sutton Bank for its full lineup.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Sutton Bank's CD - 42-Month rates are at 0.60%, CD - 36-Month rates are at 0.55%, CD - 38-Month rates are at 0.55%, CD - 23-Month rates are at 0.45%, CD - 24-Month rates are at 0.45%. Sutton Bank's savings rates are at 0.90%. Sutton Bank's money market rates are at 3.50%. Sutton Bank's checking rates are as high as 3.50%. Sutton Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Sutton Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.03%. Rates last updated and verified on 11/05/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.03%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Sutton Bank

1 S Main St
Attica, OH 44807

https://www.suttonbank.com

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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.

Sutton Bank CD Rates

Product	Rate	APY	Term
CD - 13-Month Special	3.93%	4.00%	13 Month
Min Balance $1,000 Details 13-Month Special CD - Auto-renews at the 12-month rate and term; Requires a Sutton Bank active primary checking account; Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 42-Month	0.60%	0.60%	42 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 36-Month	0.55%	0.55%	36 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 38-Month	0.55%	0.55%	38 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 23-Month	0.45%	0.45%	23 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 24-Month	0.45%	0.45%	24 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 30-Month	0.45%	0.45%	30 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 12-Month	0.40%	0.40%	12 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 18-Month	0.40%	0.40%	18 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
IRA CD - 18-Month Variable IRA	0.40%	0.40%	18 Month
Min Balance $100 Details IRA; Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 9-Month	0.30%	0.30%	9 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 6-Month	0.25%	0.25%	6 Month
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 90 Day Tiered	0.15%	0.15%	90 Day
Min Balance $25,000 Details Balance: $25,000.00 & over; Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 90 Day Tiered	0.10%	0.10%	90 Day
Min Balance $10,000 Details Balance: $10,000 - $24,999.99; Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 7-31 Day	0.05%	0.05%	7-31 Day
Min Balance $1,000 Details Compounding: At Maturity; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 90 Day Tiered	0.05%	0.05%	90 Day
Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
CD - 91 Day	0.05%	0.05%	91 Day
Min Balance $1,000 Details Compounding: Monthly; A penalty will be imposed for early withdrawal. Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Sutton Bank Savings Rates

Product	Rate	APY
Rewards Savings	0.90%	0.90%
Min Deposit $50 Min Balance $0 Details Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.90% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Accounts	0.25%	0.25%
Min Deposit $50 Min Balance $15,000 Details Balance: 15,000 & over; Minimum to avoid monthly fees: $1,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Christmas/Vacation Club	0.20%	0.20%
Min Deposit $1 Min Balance $0 Details Compounding: Annually; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History 1 change since Sep 27, 2026 · 0.10% → 0.20% ▲ 0.10 pts · high 0.20% / low 0.10% Oct 14, 20260.20%▲ from 0.10% Sep 27, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Accounts	0.20%	0.20%
Min Deposit $50 Min Balance $5,000 Details Balance: 5,000 to 14,999.99; Minimum to avoid monthly fees: $1,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Super Saver	0.15%	0.15%
Min Deposit $5,000 Min Balance $50 Details Balance: $50.00 to $4,999.99; Second listed rate; Compounding: Quarterly; Min to avoid monthly fees: $5,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.10% → 0.15% ▲ 0.05 pts · high 0.15% / low 0.10% Oct 7, 20260.15%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Christmas/Vacation Club	0.10%	0.10%
Min Deposit $1 Min Balance $0 Details Compounding: Annually; Minimum to avoid monthly fees: $0.00; Christmas Club must be auto transfer payment account only Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Account	0.10%	0.10%
Min Deposit $50 Min Balance $5,000 Details Balance: 5,000 to 14,999.99; Compounding: Monthly; Min to avoid monthly fees: $1,500.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Statement Savings	0.10%	0.10%
Min Deposit $50 Min Balance $50 Details Balance to earn interest: $50.00; Compounding: Quarterly; Min to avoid monthly fees: $300.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Super Saver	0.10%	0.10%
Min Deposit $5,000 Min Balance $50 Details Balance: $50.00 to $4,999.99; First listed rate; Compounding: Quarterly; Min to avoid monthly fees: $5,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Christmas/Vacation Club - CPN	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Compounding: Annually; Minimum to avoid monthly fees: $0.00; Christmas Club must be auto transfer payment account only Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Accounts	0.05%	0.05%
Min Deposit $50 Min Balance $2,000 Details Balance: 2,000 to 4,999.99; Minimum to avoid monthly fees: $1,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
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 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Super Savings	0.05%	0.05%
Min Deposit $5,000 Min Balance $50 Details Balance: $50.00 to $4,999.99; Minimum to avoid monthly fees: $5,000.00; Compounding Frequency: Quarterly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Accounts	0.01%	0.01%
Min Deposit $50 Min Balance $0 Details Balance: 0.00 to 499.99; Minimum to avoid monthly fees: $1,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Health Savings Accounts	0.01%	0.01%
Min Deposit $50 Min Balance $500 Details Balance: 500 to 1,999.99; Minimum to avoid monthly fees: $1,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.01% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Sutton Bank Business Money Market Rates

Product	Rate	APY
Business Plus Money Market	3.45%	3.50%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: 1,000,000.00 & over; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 3.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	3.45%	3.50%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: 1,000,000 & Over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	3.00%	3.04%
Min Deposit $10,000 Min Balance $25,000 Details Balance: 25,000 to 99,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	3.00%	3.04%
Min Deposit $10,000 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	3.00%	3.04%
Min Deposit $10,000 Min Balance $250,000 Details Balance: 250,000 to 499,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	3.00%	3.04%
Min Deposit $10,000 Min Balance $500,000 Details Balance: 500,000 to 999,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	2.76%	2.80%
Min Deposit $10,000 Min Balance $500,000 Details Balance: 500,000.00 to 999,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 2.80% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	2.47%	2.50%
Min Deposit $10,000 Min Balance $250,000 Details Balance: 250,000 to 499,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 2.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	1.49%	1.50%
Min Deposit $10,000 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	0.50%	0.50%
Min Deposit $10,000 Min Balance $25,000 Details Balance: 25,000 to 99,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	0.25%	0.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.25% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	0.25%	0.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Plus Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: 0.00 to 9,999.99; Compounding: Monthly; Available to businesses only; $20 monthly service fee if $10,000 minimum balance is not maintained Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Business Prime Reserve Money Market	0.10%	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: 0.00 to 9,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Sutton Bank Checking Rates

Product	Rate	APY
Choice Checking	3.45%	3.50%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: 1,000,000 & Over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.45%	3.50%
Min Deposit $10,000 Min Balance $1,000,000 Details Balance: 1,000,000 & Over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $25,000 Details Balance: 25,000 to 99,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.40% → 3.04% ▲ 2.64 pts · high 3.04% / low 0.25% Oct 31, 20263.04%▲ from 0.90% Sep 24, 20260.90%▲ from 0.25% Sep 18, 20260.25%▼ from 0.40% Sep 8, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.85% → 3.04% ▲ 2.19 pts · high 3.04% / low 0.85% Oct 31, 20263.04%▲ from 0.85% Sep 8, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $250,000 Details Balance: 250,000 to 499,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 1.26% → 3.04% ▲ 1.78 pts · high 3.04% / low 1.26% Oct 31, 20263.04%▲ from 1.26% Sep 8, 20261.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $500,000 Details Balance: 500,000 to 999,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	3.00%	3.04%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to 15,000.00; Minimum to avoid monthly fees: $0.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.15% → 3.04% ▲ 2.89 pts · high 3.04% / low 0.15% Nov 5, 20263.04%▲ from 2.78% Oct 20, 20262.78%▲ from 1.26% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $25,000 Details Balance: 25,000 to 99,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.35% → 0.90% ▲ 0.55 pts · high 3.04% / low 0.35% Nov 5, 20260.90%▼ from 3.04% Oct 31, 20263.04%▲ from 0.90% Oct 14, 20260.90%▲ from 0.35% Sep 8, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.85% → 0.85% ▼ 0.00 pts · high 3.04% / low 0.85% Nov 5, 20260.85%▼ from 3.04% Oct 31, 20263.04%▲ from 0.85% Sep 8, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $250,000 Details Balance: 250,000 to 499,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.00%	3.04%
Min Deposit $10,000 Min Balance $500,000 Details Balance: 500,000 to 999,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Oct 31, 2026 · 3.04% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	3.00%	3.04%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to $15,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.10% → 3.04% ▲ 2.94 pts · high 3.04% / low 0.10% Nov 5, 20263.04%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Kasasa Cash Checking	3.00%	3.04%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to 15,000.00; Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 2.78% → 3.04% ▲ 0.26 pts · high 3.04% / low 2.78% Nov 5, 20263.04%▲ from 2.78% Sep 8, 20262.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Kasasa Cash Checking	2.72%	2.75%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to 15,000.00; Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 2.75% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	1.25%	1.26%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - 25,000.00; Compounding: Monthly; Minimum to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.15% → 1.26% ▲ 1.11 pts · high 1.26% / low 0.15% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	1.25%	1.26%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 - 25,000.00; Minimum to avoid monthly fees: $0.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.10% → 1.26% ▲ 1.16 pts · high 1.26% / low 0.10% Nov 5, 20261.26%▲ from 0.10% Nov 5, 20260.10%▼ from 1.26% Oct 14, 20261.26%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Rewards Checking	1.25%	1.26%
Min Deposit $100 Min Balance $0 Details Balance: $0.00 to 25,000.00; Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.26% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	1.00%	1.00%
Min Deposit $100 Min Balance $15,000 Details Balance: Over 15,000.00; Minimum to avoid monthly fees: $0.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.25% → 1.00% ▲ 0.75 pts · high 1.00% / low 0.25% Nov 5, 20261.00%▲ from 0.25% Sep 8, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	1.00%	1.00%
Min Deposit $100 Min Balance $0 Details Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.15% → 1.00% ▲ 0.85 pts · high 1.26% / low 0.15% Oct 14, 20261.00%▼ from 1.26% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	1.00%	1.00%
Min Deposit $50 Min Balance $0 Details Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.15% → 1.00% ▲ 0.85 pts · high 1.26% / low 0.15% Oct 14, 20261.00%▼ from 1.26% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	1.00%	1.00%
Min Deposit $50 Min Balance $0 Details Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.10% → 1.00% ▲ 0.90 pts · high 1.00% / low 0.10% Nov 5, 20261.00%▲ from 0.10% Nov 5, 20260.10%▼ from 1.00% Oct 14, 20261.00%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	1.00%	1.00%
Min Deposit $100 Min Balance $15,000 Details Balance: Over $15,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	1.00%	1.00%
Min Deposit $100 Min Balance $0 Details Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.10% → 1.00% ▲ 0.90 pts · high 1.00% / low 0.10% Nov 5, 20261.00%▲ from 0.10% Nov 5, 20260.10%▼ from 1.00% Oct 14, 20261.00%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Kasasa Cash Checking	1.00%	1.00%
Min Deposit $100 Min Balance $15,000 Details Balance: Over 15,000.00; Minimum to avoid monthly fees: $0.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.50% → 1.00% ▲ 0.50 pts · high 1.00% / low 0.50% Nov 5, 20261.00%▲ from 0.50% Sep 8, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.90%	0.90%
Min Deposit $100 Min Balance $25,000 Details Balance: Over 25,000.00; Compounding: Monthly; Minimum to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.40% → 0.90% ▲ 0.50 pts · high 0.90% / low 0.25% Sep 24, 20260.90%▲ from 0.25% Sep 18, 20260.25%▼ from 0.40% Sep 8, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.90%	0.90%
Min Deposit $100 Min Balance $25,000 Details Balance: Over 25,000.00; Minimum to avoid monthly fees: $0.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.35% → 0.90% ▲ 0.55 pts · high 0.90% / low 0.35% Nov 5, 20260.90%▲ from 0.35% Nov 5, 20260.35%▼ from 0.90% Oct 14, 20260.90%▲ from 0.35% Sep 8, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.85%	0.85%
Min Deposit $5,000 Min Balance $100,000 Details Balance: 100,000.00 & over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.85%	0.85%
Min Deposit $5,000 Min Balance $100,000 Details Balance: $100,000.00 and over; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.85% → 0.85% ▼ 0.00 pts · high 0.85% / low 0.60% Nov 5, 20260.85%▲ from 0.60% Nov 5, 20260.60%▼ from 0.85% Sep 8, 20260.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.60%	0.60%
Min Deposit $5,000 Min Balance $100,000 Details Balance: Over 100,000.00; Compounding: Monthly; Min to avoid monthly fees: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.60% → 0.85% ▲ 0.25 pts · high 0.85% / low 0.60% Nov 5, 20260.85%▲ from 0.60% Sep 8, 20260.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.50%	0.50%
Min Deposit $5,000 Min Balance $50,000 Details Balance: 50,000 to 99,999.99; Compounding: Monthly; Min to avoid monthly fees: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.50% → 0.45% ▼ 0.05 pts · high 0.50% / low 0.45% Nov 5, 20260.45%▼ from 0.50% Sep 8, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Kasasa Cash Checking	0.50%	0.50%
Min Deposit $100 Min Balance $15,000 Details Balance: Over to 15,000.00; Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Rewards Checking	0.50%	0.50%
Min Deposit $100 Min Balance $25,000 Details Balance: Over to 25,000.00; Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.45%	0.45%
Min Deposit $5,000 Min Balance $50,000 Details Balance: 50,000 to 99,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.45%	0.45%
Min Deposit $5,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.45% → 0.45% ▼ 0.00 pts · high 0.50% / low 0.45% Nov 5, 20260.45%▼ from 0.50% Nov 5, 20260.50%▲ from 0.45% Sep 8, 20260.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.35%	0.35%
Min Deposit $5,000 Min Balance $25,000 Details Balance: 25,000 to 49,999.99; Compounding: Monthly; Min to avoid monthly fees: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.35% → 0.25% ▼ 0.10 pts · high 0.35% / low 0.25% Nov 5, 20260.25%▼ from 0.35% Sep 8, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.25%	0.25%
Min Deposit $10,000 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.15% Oct 31, 20260.25%▲ from 0.15% Sep 18, 20260.15%▼ from 0.30% Sep 8, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.25%	0.25%
Min Deposit $5,000 Min Balance $25,000 Details Balance: 25,000 to 49,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 3 changes since Sep 8, 2026 · 0.40% → 0.25% ▼ 0.15 pts · high 0.90% / low 0.25% Oct 14, 20260.25%▼ from 0.90% Sep 24, 20260.90%▲ from 0.25% Sep 18, 20260.25%▼ from 0.40% Sep 8, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.25%	0.25%
Min Deposit $5,000 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Compounding: Monthly; Min to avoid monthly fees: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.15% → 0.25% ▲ 0.10 pts · high 0.25% / low 0.15% Sep 18, 20260.25%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.25%	0.25%
Min Deposit $5,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 0.35% / low 0.25% Nov 5, 20260.25%▼ from 0.35% Nov 5, 20260.35%▲ from 0.25% Sep 8, 20260.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.15%	0.15%
Min Deposit $5,000 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.30% → 0.15% ▼ 0.15 pts · high 0.30% / low 0.15% Sep 18, 20260.15%▼ from 0.30% Sep 8, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.15%	0.15%
Min Deposit $5,000 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.10%	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: 0.00 to 9,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 1.26% / low 0.10% Oct 14, 20260.10%▼ from 1.26% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.10%	0.10%
Min Deposit $5,000 Min Balance $0 Details Balance: 0.00 to 9,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 2 changes since Sep 8, 2026 · 0.15% → 0.10% ▼ 0.05 pts · high 1.26% / low 0.10% Oct 14, 20260.10%▼ from 1.26% Sep 18, 20261.26%▲ from 0.15% Sep 8, 20260.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.10%	0.10%
Min Deposit $10,000 Min Balance $0 Details Balance: 0.00 to 9,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.10% → 1.00% ▲ 0.90 pts · high 1.00% / low 0.10% Nov 5, 20261.00%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.10%	0.10%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.00 - $9,999.99; Minimum to avoid monthly fees: $10,000.00; Compounding: Monthly Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.10% → 1.00% ▲ 0.90 pts · high 1.00% / low 0.10% Nov 5, 20261.00%▲ from 0.10% Sep 8, 20260.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.05%	0.05%
Min Deposit $50 Min Balance $50 Details Minimum to avoid monthly fees: $300.00; Compounding Frequency: Quarterly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Choice Checking	0.05%	0.05%
Min Deposit $5,000 Min Balance $50 Details Balance: $50.00 to $4,999.99; Minimum to avoid monthly fees: $5,000.00; Compounding Frequency: Quarterly Last Updated 11/05/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Investment Checking	0.05%	0.05%
Min Deposit $5,000 Min Balance $0 Details Balance: $0.00 to 9,999.99; Compounding: Monthly; Min to avoid monthly fees: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05% Nov 5, 20261.00%▲ from 0.05% Sep 8, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

Sutton Bank Other Rates

Product	Rate	Points	APY/APR
Bank Advantage	0.15%	-	0.15%
Min Deposit $100 Min Balance $0 Details Minimum to avoid monthly fees: $1,000.00; Compounding Frequency: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Bank Advantage	0.05%	-	0.05%
Min Deposit $100 Min Balance $0 Details Compounding: Monthly; Min to avoid monthly fees: $1,000.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.10%	-	0.10%
Min Deposit $2,500 Min Balance $0 Details Balance: 0.00 to 9,999.99; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.10% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.30%	-	0.30%
Min Deposit $2,500 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.40%	-	0.40%
Min Deposit $2,500 Min Balance $25,000 Details Balance: 25,000 to 49,999.99; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.40% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.75%	-	0.75%
Min Deposit $2,500 Min Balance $50,000 Details Balance: 50,000 to 99,999.99; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.75% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	1.00%	-	1.00%
Min Deposit $2,500 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	1.25%	-	1.26%
Min Deposit $2,500 Min Balance $250,000 Details Balance: 250,000.00 & over; Minimum to avoid monthly fees: $2,500.00; Compounding: Monthly Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 1.26% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.05%	-	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 to 9,999.99; Compounding: Monthly; Min to avoid monthly fees: $2,500.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.05% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.35%	-	0.35%
Min Deposit $2,500 Min Balance $10,000 Details Balance: 10,000 to 24,999.99; Compounding: Monthly; Min to avoid monthly fees: $2,500.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.30% → 0.35% ▲ 0.05 pts · high 0.35% / low 0.30% Sep 24, 20260.35%▲ from 0.30% Sep 8, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.60%	-	0.60%
Min Deposit $2,500 Min Balance $50,000 Details Balance: 50,000 to 99,999.99; Compounding: Monthly; Min to avoid monthly fees: $2,500.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 0.75% → 0.60% ▼ 0.15 pts · high 0.75% / low 0.60% Sep 24, 20260.60%▼ from 0.75% Sep 8, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.75%	-	0.75%
Min Deposit $2,500 Min Balance $100,000 Details Balance: 100,000 to 249,999.99; Compounding: Monthly; Min to avoid monthly fees: $2,500.00 Last Updated 11/05/2026 Rate History 1 change since Sep 8, 2026 · 1.00% → 0.75% ▼ 0.25 pts · high 1.00% / low 0.75% Sep 18, 20260.75%▼ from 1.00% Sep 8, 20261.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Blue Chip MMIA	0.95%	-	0.95%
Min Deposit $2,500 Min Balance $250,000 Details Balance: Over 250,000.00; Compounding: Monthly; Min to avoid monthly fees: $2,500.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.95% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%
Kasasa Saver Savings	0.90%	-	0.90%
Min Deposit $100 Min Balance $0 Details Compounding: Monthly; Min to avoid monthly fees: $0.00 Last Updated 11/05/2026 Rate History No change since Sep 8, 2026 · 0.90% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.03%

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.
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Financial Health History

Sutton Bank’s Texas Ratio stayed near 0.17% in Q3 2023 to 0.03% 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	$1.7B	0.03%	5.0	A+
March 31, 2026	$1.7B	0.03%	5.0	A+
December 31, 2025	$1.6B	0.00%	5.0	A+
September 30, 2025	$1.7B	0.01%	5.0	A+
June 30, 2025	$1.6B	0.00%	5.0	A+
March 31, 2025	$1.6B	0.00%	5.0	A+
December 31, 2024	$1.6B	0.00%	5.0	A+
September 30, 2024	$1.5B	0.03%	5.0	A+
June 30, 2024	$2.2B	0.00%	5.0	A+
March 31, 2024	$2.1B	0.01%	5.0	A+
December 31, 2023	$2.2B	0.10%	5.0	A+
September 30, 2023	$2.1B	0.17%	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 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

Bank Name Sutton Bank

Website https://www.suttonbank.com

Address 1 S Main St, Attica, OH 44807 · Seneca

Bank Holding Company SUTTON BANCSHARES INC

FDIC Certificate # 5962

Regulator FDIC

Established January 1, 1878

FDIC Insurance Date January 1, 1934

Domestic Offices 9

Total Branches 9

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.03%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

5.0678%

Return on Equity (ROE)

37.7300%

Non-Performing Loans Ratio (NPL)

0.00%

Total Assets

$1,740,659,000

Total Deposits

$1,503,225,000

Equity Capital

$228,021,000

Net Income

$42,309,000

Headquarters

Attica

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Sutton Bank earned the Verified Healthy badge

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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Customer Reviews

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Average Rating

☆☆☆☆☆

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Frequently Asked Questions About Sutton Bank

Does Sutton Bank offer CDs?

Yes. Sutton Bank current CD rates include its CD - 42-Month at 0.60% APY, its CD - 36-Month at 0.55% APY and its CD - 38-Month at 0.55% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Sutton Bank FDIC insured?

Yes. Sutton Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Sutton Bank?

The highest Sutton Bank CD rate is its Certificate of Deposit - 13-Month Special at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Sutton Bank offer?

Sutton Bank CD rates are 0.40% APY for a 12 month CD, 0.40% APY for an 18 month CD, 0.45% APY for a 23 month CD, 0.45% APY for a 2 year CD, 0.55% APY for a 3 year CD, 0.55% APY for a 38 month CD and 0.60% APY for a 42 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Sutton Bank for its full lineup.

What is the highest savings rate at Sutton Bank?

The highest Sutton Bank savings rate is its Rewards Savings at 0.90% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Sutton Bank?

The highest Sutton Bank money market rate is its Business Plus Money Market at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Sutton Bank?

The highest Sutton Bank checking rate is its Choice Checking at 3.50% APY, verified by MonitorBankRates as of November 5, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Sutton Bank rates compare?

Sutton Bank's top CD rate of 4.00% APY on a 13 month CD is 33% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Sutton Bank's top rates are its Certificate of Deposit - 13-Month Special at 4.00% APY, its Rewards Savings at 0.90% APY, its Business Plus Money Market at 3.50% APY and its Choice Checking at 3.50% APY, verified by MonitorBankRates on November 5, 2026.

Current Sutton Bank Rates

12-Month CD0.40%
18-Month CD0.40%
24-Month CD0.45%
36-Month CD0.55%
Savings0.90%
MMA3.50%

Retrieved from our database of financial products. Rates subject to change.

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Sutton Bank Rates & Review November 2026

Brian McKay

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Sutton Bank CD Rates

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Financial Health History

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Customer Reviews

Frequently Asked Questions About Sutton Bank

Does Sutton Bank offer CDs?

Are CDs from Sutton Bank FDIC insured?

What is the highest CD rate at Sutton Bank?

What CD terms does Sutton Bank offer?

What is the highest savings rate at Sutton Bank?

What is the highest money market rate at Sutton Bank?

What is the highest checking rate at Sutton Bank?

How many branches does Sutton Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Sutton Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Sutton Bank rates compare?

Current Sutton Bank Rates

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