Bank · FDIC insured
Denison State Bank Savings Rates
Denison State Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market Savings Account. Rates checked October 16, 2026.
How Denison State Bank’s savings rates compare
Compared with banks and credit unions near Topeka, KS, where Denison State Bank has the most branches. $10,000, best rate first.
This bank’s best
Denison State Bank
0.40%APY
- Minimum
- $100
- Earns on $10,000 a year
- $40
Regular Savings
Top rate
Communication Federal Credit Union
3.75%APY
- Minimum
- —
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Denison State Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Denison State Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
0.40%APY
Interest compounded and credited monthly. Daily balance calculation method. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. Unlimited deposits/credits/transfers in, but deposited items in excess of 10 monthly are $0.10 each. Withdrawals limited to 6 per month with $5.00 fee per excess withdrawal. Coded as checking/DDA checking on bank records. $10 service charge if closed within 30 days of opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Balances up to $2,499.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 0.40% | — | Balances up to $2,499.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $2,500 – $10,000Balances $2,500.00 to $9,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 0.40% | — | Balances $2,500.00 to $9,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $10,000 – $25,000Balances $10,000.00 to $24,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 0.40% | $40 | Balances $10,000.00 to $24,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $25,000 – $50,000Balances $25,000.00 to $49,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 0.65% | — | Balances $25,000.00 to $49,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $50,000 – $100,000Balances $50,000.00 to $99,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 1.00% | — | Balances $50,000.00 to $99,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $100,000 – $250,000Balances $100,000.00 to $249,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 1.25% | — | Balances $100,000.00 to $249,999.99. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
| $250,000 and upBalances $250,000 and higher. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. | 1.25% | — | Balances $250,000 and higher. Fee of $7.50 imposed every statement cycle if ending daily balance falls below $1,000 any day of cycle. |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Minor Savings
0.40%APY
Personal savings account for minors. Monthly maintenance fee of $2.00 is waived for minors owning the account up to their 18th birthday.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest compounded quarterly. Monthly maintenance fee of $2.00 is waived for minors up to their 18th birthday.Any balance | 0.40% | $40 | Interest compounded quarterly. Monthly maintenance fee of $2.00 is waived for minors up to their 18th birthday. |
Sources (2)
All captured Oct 16, 2026
Regular Savings
0.40%APY
Available for personal and business/organization. $2.00 monthly fee if ending daily balance falls below $100 any day of the month (waived for minors up to their 18th birthday). $10 service charge if closed within 30 days of opening. First 12 withdrawals per calendar month via teller, phone, ACH, or ATM are free ($1.00 fee per excess withdrawal unless minimum daily balance is $1,000 or more); unlimited free transactions via DSBconnect or Telebanking.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest calculated using daily balance method and compounded/credited quarterly. $2.00 monthly maintenance fee waived if ending daily balance remains $100 or higher each day of the month (or for minors up to age 18).Any balance | 0.40% | $40 | Interest calculated using daily balance method and compounded/credited quarterly. $2.00 monthly maintenance fee waived if ending daily balance remains $100 or higher each day of the month (or for minors up to age 18). |
Sources (2)
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.