Bank · FDIC insured
Payne County Bank Savings Rates
Top CarrotPayne County Bank’s best savings rate is 1.10% APY on $10,000, with its Personal Savings Account. Rates checked October 15, 2026.
How Payne County Bank’s savings rates compare
Compared with banks and credit unions near Stillwater, OK, where Payne County Bank has the most branches. $10,000, best rate first.
This bank’s best
Payne County Bank
1.10%APY
- Minimum
- $50
- Earns on $10,000 a year
- $110
Personal Savings Account
Top rate
MidFirst Bank
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
2nd-highest rate
BancFirst
2.90%APY
- Minimum
- —
- Earns on $10,000 a year
- $290
Payne County Bank savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.10%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.10%
- QualifiedQualified1.10%
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 Payne County 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.
Special-purpose accounts
FDIC Insured Variable IRA
2.90%APY
Variable rate; determined and adjusted weekly. $1,000 minimum deposit to open. APYs calculated on $5,000 minimum and monthly interest; interest payable quarterly on deposits under $5,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate; rate is determined and adjusted weekly. $1,000 minimum deposit to open. Interest payable monthly on deposits of $5,000 or more; APY calculated on $5,000 minimum and monthly interest; interest payable quarterly on deposits of less than $5,000.Any balance | 2.90% | $290 | Variable rate; rate is determined and adjusted weekly. $1,000 minimum deposit to open. Interest payable monthly on deposits of $5,000 or more; APY calculated on $5,000 minimum and monthly interest; interest payable quarterly on deposits of less than $5,000. |
Sources (2)
All captured Oct 15, 2026
Personal Savings Account
1.10%APY
Variable rate. Interest paid quarterly. $1 monthly service charge if balance falls below $50 (fee waived and no minimum balance for minors under 18 years). Minimum opening deposit is $50 ($10 for minors under 18 years).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Interest paid quarterly. $1 monthly service charge if daily balance is less than $50 (no monthly service charge or minimum balance for minors under 18 years). $50 minimum opening deposit ($10 for minors under 18 years).Any balance | 1.10% | $110 | Variable rate. Interest paid quarterly. $1 monthly service charge if daily balance is less than $50 (no monthly service charge or minimum balance for minors under 18 years). $50 minimum opening deposit ($10 for minors under 18 years). |
Sources (2)
All captured Oct 15, 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.