Bank · FDIC insured
Stone Bank Savings Rates
Stone Bank’s best savings rate is 3.05% APY on $10,000, with its Fortress Savings. Rates checked October 22, 2026.
How Stone Bank’s savings rates compare
Compared with banks and credit unions near Little Rock, AR, where Stone Bank has the most branches. $10,000, best rate first.
This bank’s best
Stone Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
Ruby Rewards Savings
Top rate
First Service Bank
4.64%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $464
2nd-highest rate
Gateway Bank
4.08%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $408
Stone Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0003.05%
- $10,000 balance$10,0003.05%
- $100,000 balance$100,0003.05%
- QualifiedQualified4.00%
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 Stone 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.
Ruby Rewards Savings
Up to 4.00%APY
Requires a linked Ruby Rewards Rate Checking or Ruby Rewards Cash Back Checking account. Limit 1 account per Social Security number.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Applies to daily balances up to $100,000.00 when qualifications are met in linked Ruby Rewards Checking account (at least 12 debit card transactions, at least 1 direct deposit/ACH payment/ACH credit, and enrolled in e-statements during Monthly Qualification Cycle). | 4.00% | $400 | Applies to daily balances up to $100,000.00 when qualifications are met in linked Ruby Rewards Checking account (at least 12 debit card transactions, at least 1 direct deposit/ACH payment/ACH credit, and enrolled in e-statements during Monthly Qualification Cycle). |
| Any balanceBase rate earned on entire daily balance when Monthly Qualification Cycle requirements are not met in the linked Ruby Rewards Checking account. | 0.05% | $5 | Base rate earned on entire daily balance when Monthly Qualification Cycle requirements are not met in the linked Ruby Rewards Checking account. |
| $100,000 and upApplies to the portion of daily balances of $100,000.00 or more when qualifications are met in linked Ruby Rewards Checking account, resulting in a blended APY range from 4.00% to 0.25%. | 0.25% | — | Applies to the portion of daily balances of $100,000.00 or more when qualifications are met in linked Ruby Rewards Checking account, resulting in a blended APY range from 4.00% to 0.25%. |
Sources (3)
- stonebank.com/personal-banking
- stonebank.com/personal-banking/savings
- stonebank.com/personal/ruby-rewards-savings
All captured Sep 19, 2026
Fortress Savings
3.05%APY
Limited time offer for new money only. Interest is compounded and credited quarterly using the daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceLimited time offer. New money only. No minimum balance required; interest pays on entire balance. Interest compounded and credited quarterly.Any balance | 3.05% | $305 | Limited time offer. New money only. No minimum balance required; interest pays on entire balance. Interest compounded and credited quarterly. |
Sources (2)
All captured Sep 19, 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.