Gassville, Arkansas Savings Rates - October 2026
Brian McKay
Brian McKay
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Gassville, Arkansas savings account rates range from 0.15% to 7.00% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Gassville, Arkansas and the surrounding area include FsnbFsnbA+5.0 ★Texas Ratio: 4.08%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 21, 2026 Cents-able Savings at 7.00% APY, Diamond BankDiamond BankA5.0 ★Texas Ratio: 6.14%Real return: +0.36%APY minus 3.7% CPIRate verified Oct 22, 2026 Bling! Savings at 4.06% APY, Barksdale Federal Credit UnionBarksdale Federal Credit UnionA5.0 ★Texas Ratio: 11.05%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 23, 2026 IRA Prime Savings at 3.75% APY, US BankUS BankA+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Bank Smartly Savings Account at 3.50% APY, and Orion Federal Credit UnionOrion Federal Credit UnionA+5.0 ★Texas Ratio: 2.54%Real return: -0.35%APY minus 3.7% CPIRate verified Oct 19, 2026 High Yield Savings at 3.35% APY.
Gassville is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Arkansas area are available to Gassville residents, with savings rates as high as 7.00% APY from Fsnb. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Gassville, Arkansas and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Gassville, Arkansas & Surrounding Communities
Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $0.01
Balance: $0.00 - $5,000.00; Limit one Bling! Savings account per minor
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Variable APY; No monthly service fee
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $250,000 - $5,000,000.00; Tier 4; No interest paid on balances over $5,000,000.00; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $500,000 & Up
- Oct 5, 20263.20%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Balance: $100,000 - $499,999
- Oct 5, 20263.05%▲ from 2.89%
- Sep 14, 20262.89%first recorded
Qualifications Required; Qualifying balance up to $30,000.00 (3.00% APY); balances over $30,000.00 earn 0.50%; if monthly qualifications are not met, 0.05% on entire balance; linked to Priority Checking and cannot be opened without it; $15 fee for each transfer over 6 per month; Monthly Service Charge: n/a
Projected Dividend Date: 12/31/2026; Dividend Credited/Compounded: Quarterly
- Oct 4, 20263.00%▲ from 2.75%
- Sep 14, 20262.75%first recorded
Balance: $0 minimum; Rates as of 10/18/2026
Balance: $100,000 - $249,999.99; Tier 3; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $100,000 and up
Balance: $50,000 - $99,999
- Oct 5, 20262.79%▲ from 2.78%
- Sep 14, 20262.78%first recorded
Balance: $25,000 and over
Balance: $50,000-$99,999.99
Balance: $10,000 - $49,999
- Oct 5, 20262.52%▲ from 2.38%
- Sep 14, 20262.38%first recorded
Club paid via Direct Deposit; Variable rate interest credited annually; Rates effective as of 10/14/2025; No minimum balance fee; Withdrawal Limits - 1 FREE debit transaction, $5.00 each additional
Balance: $50,000.00 - $99,999.99; Tier 2; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $10,000-$49,999.99
Balance: $15,000 to $24,999.99
Rates as of 10/1/26; Variable-rate account; rates may change after the account is opened
Balance: $500.00 and up
Balance: $10,000 to $14,999.99
Balance: above $25,000 and up to $50,000
Balance: $0.00 - $49,999.99; Tier 1; Avoid $10.00 balance requirement fee with daily balance of at least $2,500
Balance: $2,500-$9,999.99
Qualifications Required; Qualifying balance up to $25,000.00; Requires Rewards Checking account
Balance: up to $25,000
Balance: $2,500 - $9,999
Minimum Balance to Avoid Fee: N/A
Balance: $100,000 and up
Balance: $50,000 - $99,999.99
Balance: $100.00 to $9,999.99
Balance: $1 million and over; Tiered rates, APY*
Qualifications Required; Balance: 0 - $50,000; Qualifying balance up to $50,000.00
Balance: $25,000 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required
Balance: $5,000.00 and over; Effective 08/18/25; Compounded monthly
Balance: $5,000 - $49,999.99
Qualifications Required; Balance: $0.00 - $10,000.00; Upgraded APY with an active checking account (examples: direct deposit or debit card); Base rate without active checking is 0.20% APY; Monthly $5 service fee unless $1,500+ minimum or electronic statements; Promotion available for a limited time, new deposits only; Variable rate account
- Oct 20, 20260.75%▲ from 0.20%
- Oct 14, 20260.20%first recorded
Balance: $500,000 to $999,999; Tiered rates, APY*
Balance: $10,000 and over; Effective Date: October 01, 2026; Minimum opening deposit of $50.00 required
Balance: Balances $50,000.00 or more; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Variable interest calculated on daily collected balance, compounded and credited monthly; Rates may vary by bank location
Variable interest calculated on daily collected balance, compounded and credited monthly; Rates may vary by bank location
Club paid via Check; Variable rate interest credited annually; Rates effective as of 10/14/2025; No minimum balance fee; Withdrawal Limits - 1 FREE debit transaction, $5.00 each additional
- Oct 20, 20260.50%▼ from 2.50%
- Sep 19, 20262.50%first recorded
Monthly service charge $5, waived with $300 minimum daily balance; up to 6 transfers each month, $15 fee per additional transfer
Balance: $250,000 to $499,999; Tiered rates, APY*
Requires an adult joint owner; for ages 14-17; Monthly service charge: n/a; up to 6 transfers each month, $15 fee per additional transfer
Qualifications Required; Balance: 0 to $10,000; Rates and APYs accurate as of July 1, 2020
- Oct 21, 20260.50%▲ from 0.05%
- Sep 11, 20260.05%first recorded
Balance: Balances $5,000.00 to $49,999.99; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: $0.01 minimum to earn interest; Monthly service charge $5, waived with $300 minimum daily balance; Account allowed up to 6 transfers each month, $15 fee per additional transfer
- Oct 20, 20260.40%▼ from 0.50%
- Sep 11, 20260.50%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
- Sep 24, 20260.30%▲ from 0.25%
- Sep 11, 20260.25%first recorded
Balance: Balances less than $5,000.00; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: $250 daily balance avoids $5 quarterly service charge; Interest compounded daily and posted quarterly; APY effective 9/28/26, variable and subject to change; Quarterly service charge refunded when linked to Essential Checking or Advantage Checking
$5 opening deposit required
Interest Rate and APY as published on savings rates table; Minimum Balance required to earn the APY
Interest Rate and APY as published on savings rates table; Minimum Balance required to earn the APY
APY variable and subject to change
Balance: $0.01 to $249,999; Tiered rates, APY*
Balance: $0.00 - $100,000.00; Qualifying balance up to $100,000; To receive interest rate: enroll & receive eStatements
- Oct 21, 20260.25%▲ from 0.10%
- Sep 24, 20260.10%first recorded
*APY as of 12/19/2024; $25 minimum to open for a minor; $10 fee per statement cycle if daily balance falls below $100; 3 free withdrawals per quarter, $2 each additional; Interest paid quarterly
Balance: $50,000 - $99,999
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Gassville, AR Savings Rate Trends
Compare local Gassville, AR savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arkansas high-yield savings rates fell 0.284 points over the past 7 days to 2.047% APY, down from 2.330%.
Arkansas standard savings rates fell 0.028 points over the past 7 days to 0.323% APY, down from 0.351%.
Gassville, Arkansas Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current AR high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current AR high-yield savings average of 2.047% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Gassville, Arkansas.
Savings Account Earnings in Gassville, Arkansas
Annual interest earnings at current AR average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.047% APY) | Monthly Earnings | Standard Savings (0.323% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $102.34 / year | $8.53 | $16.16 / year | $1.35 |
| $10,000 | $204.68 / year | $17.06 | $32.31 / year | $2.69 |
| $25,000 | $511.70 / year | $42.64 | $80.77 / year | $6.73 |
| $50,000 | $1,023.40 / year | $85.28 | $161.55 / year | $13.46 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Gassville, Arkansas savings rate averages as of October 25, 2026. | ||||
About Our Gassville, Arkansas Savings Rate Database
MonitorBankRates tracks savings rate offers from 33 banks and credit unions available to Gassville, Arkansas residents via statewide and national offers. No branch locations physically in Gassville are currently in our database, but all listed offers are open to Gassville depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Gassville, Arkansas.
How to Find the Best Savings Rates in Gassville, Arkansas
What to compare when shopping for a savings account in Gassville, Arkansas
To find the best savings APYs in Gassville, Arkansas, start with credit unions and online-only banks: Gassville, Arkansas has 16 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current AR high-yield savings average is 2.047% but top local institutions are offering as high as 7.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Gassville, Arkansas high-yield savings rates currently average 2.047% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Gassville, Arkansas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 33 institutions in Gassville, Arkansas report savings rates to our database.
- You’re among Gassville, Arkansas’s 21.2% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Gassville, Arkansas CD rates
- You want check-writing flexibility Gassville, Arkansas money market rates
- You need daily transaction access Gassville, Arkansas checking rates
Gassville, Arkansas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
21.2% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; an unemployment rate of 8.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s AR high-yield savings average of 2.047%, saving 10% of the local median salary ($2,808/year) would earn an additional $57 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Gassville, Arkansas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Gassville, Arkansas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current AR Avg APY | 2.047% | 0.323% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Gassville, Arkansas averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Gassville, Arkansas
At AR’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Gassville, Arkansas earner is roughly $7,000. At 2.047% APY, saving $590/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsArkansas’s high-yield savings average is 2.047% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Gassville, Arkansas earner makes $28,083/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.047% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.047% APY grows to roughly $37,491 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Gassville, Arkansas savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Gassville, Arkansas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Gassville, Arkansas. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in AR.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Gassville, Arkansas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Gassville, Arkansas safe?
How often do savings rates change in Gassville, Arkansas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Gassville, Arkansas?
How do I open a savings account in Gassville, Arkansas?
Best Savings Rates in Gassville, Arkansas
- Fsnb
Cents-able Savings: 7.00% APY - Diamond Bank
Bling! Savings: 4.06% APY - Barksdale Federal Credit Union
IRA Prime Savings: 3.75% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - Orion Federal Credit Union
High Yield Savings: 3.35% APY
Gassville, Arkansas Rates & Resources
