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Bank of Prairie du Sac Review

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Bank of Prairie du Sac Savings
0.25% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Bank of Prairie du Sac started in 1916 with headquarters located in Prairie Du Sac, Wisconsin. Bank of Prairie du Sac manages $418 million in assets along with $355 million in deposits, ranking it as a medium-size bank. Bank of Prairie du Sac lacks premium access to customer service, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. Coming in at a superb 4.6 stars out of 5, Bank of Prairie du Sac is an exceptional bank that would be an ideal pick. Bank of Prairie du Sac offers a varied choice of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate compared to the average savings account. If you're interested in stress-free personal checking, Bank of Prairie du Sac's standard checking does not have a monthly maintenance fee. Institutions that offer free checking, in addition to a high interest rate savings account are the best bet for returning the most income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.6/5
National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more

Rates

4.2
SmartAsset Average: 3.5

Bank of Prairie du Sac features a savings rate of 0.25%, which is fair compared to the average U.S. bank. Bank of Prairie du Sac's one-year CD has a rate of 1.85%, while its highest-yielding money market account earns at an APY of 0.60%. Given Bank of Prairie du Sac's below average savings rate, you should think about looking elsewhere to open savings accounts.

How Bank of Prairie du Sac's Savings Rates Compare

Bank of Prairie du Sac Savings 0.25 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

Bank of Prairie du Sac has generally extremely low fees as compared against the national average. With no monthly fee, Bank of Prairie du Sac is ideal for those who want a simple banking experience. Bank of Prairie du Sac doesn't reimburse out-of-network ATM fees, meaning you'll be required to find a Bank of Prairie du Sac ATM or accept the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

4.3
SmartAsset Average: 3.7

Bank of Prairie du Sac is a brick-and-mortar bank, with two total bank locations in Wisconsin. It also offers access to mobile and web apps for a straightforward mobile-banking experience. Bank of Prairie du Sac's online and mobile banking platforms get great ratings from customers. With 210 ratings across both iOS and Android platforms, the Bank of Prairie du Sac mobile app is scored at 4.7 out of 5 (compared to the national average of 3.8). Bank of Prairie du Sac's mobile app allows you to control your accounts by looking at account balances, transferring funds and reaching support representatives. Bank of Prairie du Sac gets a superb consumer satisfaction rating based on relatively few complaints brought to the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 4.7/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

5.0
SmartAsset Average: 4.8

Bank of Prairie du Sac is currently a medium-size bank owning assets totaling $418 million as well as deposits totaling $355 million. Bank of Prairie du Sac's Texas Ratio is 1.79%, denoting a minute likelihood of failure. Additionally, Bank of Prairie du Sac is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Bank of Prairie du Sac to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.25% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 1.85% APY
  • 24 Month: 2.10% APY
  • 36 Month: 2.20% APY
$1000 for all terms
Money Market Account 0.6% APY $10000

Bank of Prairie du Sac offers several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Bank of Prairie du Sac does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Bank of Prairie du Sac's CD rates are fair in comparison to other U.S. banks.

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Find a Bank of Prairie du Sac Near Me

Bank of Prairie du Sac has two branches across the U.S.

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