Goldwater Bank

Overview / Commentary

480-281-8200

2525 E. Camelback Rd. Ste. 1100
Phoenix, AZ 85016

Goldwater Bank is the 1,951^st largest bank in the nation. It was established in 2007 and as of June of 2024, it had grown to 117 employees. Goldwater Bank's savings rates are 9X the national average, and it has a C+ health rating.

View all posts from:

2009
2008

11/27 - 3.55% 5-Year CD & 3.03% 3-Year CD at Goldwater Bank - Available Nationwide
11/12 - 5.02% Reward Checking Account at Goldwater Bank in Arizona - Local Only

10/3 - 4.00% Savings Account at Goldwater Bank

Reviews

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Health

C+

Data as of Q2 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	58405
Year Established	2007
Employees	117
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	6.34%
Annual Interest Income	$12.6MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$441.5MM$448.7MM
Loans	Q2 2024vs Q2 2023	$396.7MM$399MM
Deposits	Q2 2024vs Q2 2023	$309.1MM$308.7MM
Equity Capital	Q2 2024vs Q2 2023	$54.2MM$51.4MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$4.3MM$4.3MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$9.9MM$3MM
Real Estate Owned	Q2 2024vs Q2 2023	$1.5MM$809K

Rates

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Savings
Money Market
Checking
CD

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Always verify rates and promotions with the bank or credit union. We are not Goldwater Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Goldwater Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%^†	$0	-	High Yield Saving
4.50%^†	$0	-	Business High Yield Saving
1.00%^†	$0	-	Goldwater Personal Savings
1.00%^†	$0	-	Youth Savings
1.00%^†	$0	-	Goldwater Business Savings

Goldwater Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.25%^†	$10k	-	Personal Market Market
3.25%^†	$100k	-	Business Money Market
1.10%^*	$100k^*	-	Personal Money Market PLUS
OTHER TIERS: 1.00% → $0 - $100k
1.10%^*	$100k^*	-	Business Money Market PLUS
OTHER TIERS: 1.00% → $0 - $100k

Goldwater Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	$0	$20k	Gold Checking
OTHER TIERS: 0.05% → $20k+
1.00%^†	$0	-	Gold Checking 50 Plus
0.50%	$100	$5k	Goldwater Checking

Goldwater Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.55%	$5k	-	90 Day CD
4.55%	$5k	-	180 Day CD
4.55%	$5k	-	9 Month CD
4.50%	$5k	-	12 Month CD
4.50%	$0	-	18 Month Liquid CD - no penalty
4.40%	$5k	-	18 Month CD
4.40%	$5k	-	15 Month CD
4.25%	$5k	-	24 Month CD
4.00%	$5k	-	3 Year CD
4.00%	$5k	-	5 Year CD

Locations

Goldwater Bank is an Internet only bank and does not have branch locations. Its headquarters is located at 2525 E. Camelback Rd. Ste. 1100 - Phoenix, AZ 85016

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