Personal Deposit Accounts

Get Superior Rates on a Consumer Money Market Account at Quaint Oak Bank!*

Open an Account Today!

Certificates of Deposit


Certificates of Deposit
Account TypeInterest RateAnnual Percentage Yield
6 Months3.87%4.00%
12 Months3.87%4.00%
18 Months4.11%4.25%
2 Years4.11%4.25%
3 Years4.11%4.25%
4 Years4.11%4.25%
5 Years4.34%4.50%

*Minimum deposit for Certificates of Deposit is $500.00. Minimum daily balance of $500.00 is required to earn the APY (Annual Percentage Yield). Certificate of Deposit accounts carry a substantial penalty for early withdrawal.

IRA Certificates of Deposit


IRA Certificates of Deposit
Account TypeInterest RateAnnual Percentage Yield
6 Months3.87%4.00%
12 Months3.87%4.00%
18 Months4.11%4.25%
2 Years4.11%4.25%
3 Years4.11%4.25%
4 Years4.11%4.25%
5 Years4.34%4.50%

*Minimum deposit for Certificates of Deposit is $500.00. Minimum daily balance of $500.00 is required to earn the APY (Annual Percentage Yield). Certificate of Deposit accounts carry a substantial penalty for early withdrawal.

Money Market Account*


Money Market Account
Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)1.95%2.00%
Tier 2 ($1,000 - $2,499)1.95%2.00%
Tier 3 ($2,500 and higher)1.95%2.00%

Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened.

Military Advantage Money Market Account*


Military Advantage Money Market Account
Account TypeInterest RateAnnual Percentage Yield
Tier 1 ($0-$999)1.95%2.00%
Tier 2 ($1,000 - $2,499)1.95%2.00%
Tier 3 ($2,500 and higher)2.00%2.05%

Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened. Not to be combined with any other package or programs. Surviving spouses qualify with marriage license. Military ID or Form DD214 required.

Savings Account*


Savings Account
Account TypeInterest RateAnnual Percentage Yield
Minimum Opening Deposit $25.000.20%0.20%

Savings Account – minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened.

IRA Savings Account


IRA Savings Account
Account TypeInterest RateAnnual Percentage Yield
IRA Savings1.95%2.00%

Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened.

Military Advantage IRA Savings Account

Military Advantage IRA Savings Account
Account TypeInterest RateAnnual Percentage Yield
Military Advantage IRA Savings Account2.00%2.05%

Minimum opening balance is $25.00. Interest is paid and annual percentage yield is earned on entire balance in account. Variable Rates – Rates may change after account is opened. Not to be combined with any other package or programs. Surviving spouses qualify with marriage license. Military ID or Form DD214 required.

Call Us Today: 866.795.4499

All rates are effective Sunday, March 26th, 2023. Our routing number is 236074525. 

Deposit Account Fee Schedule

*Transaction Limitations: The depositor is permitted or authorized to make no more than six transfers and withdrawals, or a combination of such transfers and withdrawals, per calendar month or statement cycle of at least four weeks, to another account of the depositor at the same institution or to a third party by means of a preauthorized or automatic transfer. A “preauthorized transfer” includes any arrangement by the depository institution to pay a third party from the account of a depositor upon written or oral instruction (including an order received through an automated clearing house (ACH)) or any arrangement by a depository institution to pay a third party from the account of the depositor at a predetermined time or on a fixed schedule.