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Washita State Bank Rates & Review April 2026

Washita State Bank's 6-Month CD rates are at 3.95%, WSB Traditional CDs 6-Month rates are at 3.95%, WSB Traditional CDs 12-Month rates are at 3.80%, WSB Traditional CDs 60-Month rates are at 3.03%, WSB Traditional CDs 48-Month rates are at 2.82%. Washita State Bank's savings rates are at 0.20%. Washita State Bank's money market rates are at 0.20%. MonitorBankRates evaluates the financial stability of Washita State Bank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 04/11/2026.

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

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
--
No Data No data
Washita State Bank
701 State Highway 44
Burns Flat, OK 73624
https://www.washitastatebank.com
Member FDIC

Washita State Bank CD Rates

Product Rate APY Term View More
6 Month CD 3.88% 3.95% 6
Min Deposit $1,000
Details Annual Percentage Yield. Minimum balance of $1,000 to earn APY. Rate 3.88% as of 11/1/2025. Rates subject to change. Early withdrawal penalties may apply.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 6 Month 3.88% 3.95% 6
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 12 Month 3.74% 3.80% 12
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 60 Month 2.99% 3.03% 60
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 48 Month 2.78% 2.82% 48
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 36 Month 2.62% 2.65% 36
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 24 Month 2.55% 2.58% 24
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional CDs 3 Month 1.15% 1.16% 3
Min Deposit $1,000
Min Balance $1,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Washita State Bank Savings Rates

Product Rate APY View More
WSB Junior Savings Account* 0.20% 0.20%
Min Deposit $25
Min Balance $25
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional Savings Account* 0.20% 0.20%
Min Deposit $100
Min Balance $100
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Washita State Bank Money Market Rates

Product Rate APY View More
Money Market Demand Accounts (MMDA) 0.50% 0.50%
Min Deposit $2,500
Min Balance $100,000
Details Minimum Amount Required To Obtain APY & No Fee: Over $100,000
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Demand Accounts (MMDA) 0.40% 0.40%
Min Deposit $2,500
Min Balance $50,000
Details Minimum Amount Required To Obtain APY & No Fee: $50,000-$99,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Demand Accounts (MMDA) 0.30% 0.30%
Min Deposit $2,500
Min Balance $10,000
Details Minimum Amount Required To Obtain APY & No Fee: $10,000-$49,999
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
Money Market Demand Accounts (MMDA) 0.20% 0.20%
Min Deposit $2,500
Min Balance $1,000
Details Minimum Amount Required To Obtain APY & No Fee: $1,000-$9,999.99
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Washita State Bank Checking Rates

Product Rate APY View More
WSB Business Checking Account 0.20% 0.20%
Min Deposit $100
Min Balance $1,500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%
WSB Traditional Checking Account 0.20% 0.20%
Min Deposit $100
Min Balance $1,500
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.00%

Methodology & Data Sources

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

Bank Profile & Overview

Institution Name Washita State Bank
FDIC Certificate # 22430
Address 701 State Highway 44, Burns Flat, OK 73624  ·  Washita
Established 03/11/1977
FDIC Insurance Date 03/11/1977
Domestic Offices 1
Total Branches 1
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
0.00%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 5.6560%
Return on Equity (ROE) 33.7400%
Non-Performing Loans (NPL) 0.00%
Total Assets $43,550,000
Total Deposits $35,030,000
Equity Capital $6,458,000
Net Income $14,000
Headquarters Burns Flat
Total Offices 1
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Washita State Bank

Is Washita State Bank a safe place to deposit money?

Yes, Washita State Bank is considered a safe financial institution. 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 Washita State Bank operate?

Washita State 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, Washita State 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, Washita State Bank provides members with tools to manage their accounts and build a solid financial history.

Does Washita State Bank offer online and mobile banking?

Most modern institutions like Washita State 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.washitastatebank.com.

Current Washita State Bank Rates

  • 12-Month CD3.80%
  • 24-Month CD2.58%
  • 36-Month CD2.65%
  • 48-Month CD2.82%
  • 60-Month CD3.03%
  • Savings0.20%
  • MMA0.20%
Retrieved from our database of financial products. Rates subject to change.