Deposit Account Interest Rates | Get More with Great Rates | Vast Bank

IMPORTANT: Rates listed below are current as of February 4, 2023 and may change without notice. For up-to-the-minute rates, please call 918-495-1700.

CD SPECIALS—Consumer/Commercial Certificates of Deposit^{3, 4, A}

(All CDs may be sold as IRAs—Penalties may be imposed for early withdrawal)

Product	Minimum to Open/Maintain	Rate	APY ¹
6 Month Special	$2,500	3.45%	3.50%
12 Month Special		3.69%	3.75%
24 Month Special		3.20%	3.25%

NO PENALTY CD SPECIALS—Consumer/Commercial Certificates of Deposit^{3, 4, A, E}

(Not available for IRAs—Penalties may be imposed for early withdrawal—Minimum withdrawal $2,500)

Product	Minimum to Open/Maintain	Rate	APY ¹
7 Month No Penalty	$2,500	3.20%	3.25%
13 Month No Penalty		3.44%	3.50%
25 Month No Penalty		2.96%	3.00%

Consumer/Commercial Certificates of Deposit ^{3, 4, A}

(All CDs may be sold as IRAs—Penalties may be imposed for early withdrawal)

Product	Minimum to Open/Maintain	Rate	APY ¹
3 Month CD	$1,000	1.49%	1.50%
3 Month Jumbo CD	$100,000	1.49%	1.50%
6 Month CD	$1,000	1.74%	1.75%
6 Month Jumbo CD	$100,000	1.74%	1.75%
12 Month CD	$1,000	1.98%	2.00%
12 Month Jumbo CD	$100,000	1.98%	2.00%
18 Month CD	$1,000	2.23%	2.25%
18 Month Jumbo CD	$100,000	2.23%	2.25%
24 Month CD	$1,000	2.47%	2.50%
24 Month Jumbo CD	$100,000	2.47%	2.50%
36 Month CD	$1,000	2.72%	2.75%
36 Month Jumbo CD	$100,000	2.72%	2.75%
48 Month CD	$1,000	2.62%	2.65%
48 Month Jumbo CD	$100,000	2.62%	2.65%
60 Month CD	$1,000	2.52%	2.55%
60 Month Jumbo CD	$100,000	2.52%	2.55%

Consumer Interest-Bearing Checking Accounts ^{5, B}

Product	Minimum to Open	Interest Tiers	Rate	APY ¹
Rewards Checking	$100	Up to $25,000 ²	2.62%	2.65%
		Above $25,000 ²	0.12%	0.12%
		Non-qualifying balances	0.05%	0.05%
Interest Plus Checking ⁴	$100	All balances	0.05%	0.05%

Commercial Interest-Bearing Checking Accounts ^{5, B}

Product	Minimum to Open	Interest Tiers	Rate	APY ¹
Not-for-Profit ⁴	$100	$1,500 or greater	0.05%	0.05%

Consumer/Commercial Savings Accounts ⁵

Product	Minimum to Open	Interest Tiers	Rate	APY ¹
Personal/Commercial Savings ^{4 A}	$100	All balances	0.20%	0.20%
Money Market ^{4 B C}	$1,000	$1,000 to $9,999.99	0.50%	0.50%
		$10,000 to $49,999.99	0.75%	0.75%
		$50,000 to $99,999.99	1.00%	1.00%
		$100,000 to $99,999,999.99	1.24%	1.25%
Premium Money Market ^{4 B}	$25,000	Up to $24,999.99	0.65%	0.65%
		$25,000 to $99,999.99	0.95%	0.95%
		$100,000 to $499,999.99	1.19%	1.20%
		$500,000 to $999,999.99	1.39%	1.40%
		$1,000,000 to $2,499,999.99	1.93%	1.95%
		$2,500,000 to $7,499,999.99	1.99%	2.01%
		$7,500,000 to $9,999,999.99	2.23%	2.25%

Glossary

1 - APY = Annual Percentage Yield
2 - Must meet minimum monthly qualifications to earn premium rate
3 - A penalty may be imposed for early withdrawal
4 - Account fees may reduce earnings
5 - Interest rate and APY may change after account opening

A - Daily Balance - interest is paid on the amount of principle in the account each day
B - Daily Collected Balance - The amount of the collected balance in the account each day
C - APY is paid on balances of $1,000 or greater
D - Indexed to Wall Street Journal Prime rates minus 3%
E - CD renews into a standard 12-month CD at maturity at market rates