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

IMPORTANT: Rates listed below are current as of July 4, 2025 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, E}

(Available for IRAs—Penalties may be imposed for early withdrawal)

Product	Minimum to Open/Maintain	Rate	APY ¹
3 Month Special	$1,000	4.22%	4.30%
6 Month Special		4.17%	4.25%
12 Month Special		3.93%	4.00%
24 Month Special		3.45%	3.51%

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

(Available for 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%
6 Month CD	$1,000	1.74%	1.75%
12 Month CD	$1,000	1.98%	2.00%
18 Month CD	$1,000	2.23%	2.25%
24 Month CD	$1,000	2.47%	2.50%
36 Month CD	$1,000	2.72%	2.75%
48 Month CD	$1,000	2.62%	2.65%
60 Month CD	$1,000	2.96%	3.00%

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	0.00%	0.00%
Interest Plus Checking ⁴	$100	All balances	0.02%	0.02%

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	0.02%	0.02%

Consumer/Business Savings Accounts ⁵

Product	Minimum to Open	Interest Tiers	Rate	APY ¹
Savings ^{4 A}	$100	All balances	0.20%	0.20%
Platinum Savings ^{4 A}	$100	All balances	2.97%	3.00%
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 or greater	1.24%	1.25%

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
6 - Product available to Consumer ONLY
7 - Product available to Business ONLY
8 - Product available to Consumer and Business

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 - Upon maturity, CD Specials will auto-renew into a standard CD for the same term at the rate offered at time of renewal