Stone Bank promises to offer the best interest rates out there for all interested investor entities. They are also to seek equal plus points from the stone bank same as the employer. The services are further projected at convenience as the bank also has online banking, which means you can check your balance at any time of the day. 

The considerable discussion of Stone Bank regarding the CD rates and Annual Percentage Yield is depicted below;

Stone Bank CD Rates Offers

The offers to look for Stone Bank CD rates are;

CD Specified Offers

  • APY: 4.30%
  • Flexible Terms: 6, 9, 12, or 18 months.
  • Minimum Opening Deposit:
  • $1,000 Minimum deposit
  • FDIC Insured
  • Conveniently open your CD account online


  • Be sure to familiarize yourself with any applicable restrictions to ensure a smooth and compliant banking experience. 

Pros & Cons

High APY of 4.30%Some restrictions apply
Flexible terms (6, 9, 12, or 18 months)Fixed commitment period
$1,000 minimum opening depositLimited access to funds during the term

Are Stone Bank CD Rates Competitive?

The Stone Bank CD rates, with an impressive 4.30% APY, undeniably stand out as highly competitive in the financial market.

In an environment where interest rates fluctuate, the 4.30% APY offered by Stone Bank outpaces many standard offerings. The flexibility of choosing from terms of 6, 9, 12, or 18 months caters to a diverse range of investors, allowing them to align their savings strategy with their specific financial objectives.

Moreover, the $1,000 minimum opening deposit makes this high-yield option accessible to a broader audience. Additionally, the FDIC insurance coverage ensures the security of deposited funds.

While some restrictions apply, the overall package of a compelling APY, flexible terms, and accessible entry point positions the Stone Bank CD as a competitive and attractive option in the current financial landscape.

Overview Stone Bank 

Stone Bank was established in Arkansas, where they are still currently located, with several branches all over the state. The bank promises to have your best interest in mind and will bank with you at your convenience. 

Their locations even have conference rooms available to the public, and host special events for their clients.

Stone Bank has all the latest technology, including Interactive Teller Machines that let you access your accounts whenever you want. 

If you are interested in banking with Stone Bank, you can always visit them in person, however, they do offer a “virtual branch” that can also help you with all your needs. 

If you are interested in applying for a loan, Stone Bank has got you covered. They offer loans for anything from homes to cars to even small businesses. If you’re looking for a way to get your business up and running, Stone Bank is there to help. 


You must already have a checking or savings account with Stone Bank in order to open a CD. In order to do so, contact the bank with all of your information at the ready. 

Locations Stone Bank

Branches in Arkansas

DeWitt, Little Rock, Harrison, White Hall, Gillett, and Mountain View.

Frequently Asked Questions

 What is the minimum opening deposit for a Stone Bank CD Account?

The minimum opening deposit for a Stone Bank CD Account is $1,000.

 What is the Annual Percentage Yield (APY) offered on Stone Bank CDs?

Stone Bank offers a competitive APY of 4.30% on its CD accounts.

 Can I choose the duration of my Stone Bank CD?

Yes, Stone Bank provides flexibility in CD terms. You can choose from durations of 6, 9, 12, or 18 months.

 Is my investment in a Stone Bank CD insured?

Yes, your investment is FDIC insured. The Federal Deposit Insurance Corporation provides coverage for deposits up to the maximum allowable limit.

 Are there any penalties for early withdrawal from a Stone Bank CD?

Yes, there may be penalties for early withdrawal. The penalty accounts may vary as per the term length or the objectives of the consumers.