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Coulee Bank Review

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Coulee Bank Savings
0.10% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 1961, Coulee Bank has $356 million in assets along with $288 million in deposits, which makes it a small bank. Coulee Bank, whose headquarters are in La Crosse, Wisconsin, lacks premium access to customer service, with no options for live chat or all-day service. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. We gave Coulee Bank a 3.7 stars out of 5, indicating that it is a decent bank that leaves room for improvement. Coulee Bank provides customers with a full suite 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. Finding a checking account with no monthly fee and a savings account with a high interest rate at the same institution is your best bet for getting the most income from your deposits while maintaining convenient access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

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


SmartAsset Average: 3.5

With a savings rate of 0.10%, Coulee Bank ranks poorly compared to the national average. Coulee Bank's one-year CD earns at a rate of 0.35%, while its highest-yielding money market account earns at a rate of 0.18%. Given Coulee Bank's below average savings rate, you should consider looking elsewhere to open savings accounts.

How Coulee Bank's Savings Rates Compare

Coulee Bank Savings 0.10 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Coulee Bank charges customers low fees as compared against the national average. Additionally, Coulee Bank has an overdraft fee of $32.00, which is less than the average overdraft fee charged by U.S. banks. Coulee Bank does not reimburse out-of-network ATM fees, meaning you will need to find a Coulee Bank ATM or accept the withdrawal fee.

Monthly Fee N/A National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $32.00 National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Coulee Bank is a brick-and-mortar bank, with seven total branches in Minnesota and Wisconsin. With mobile and web apps, Coulee Bank makes account access easy, even on the go. You can utilize Coulee Bank's app to manage your funds by monitoring current statements, transferring money as well as reaching support representatives. Coulee Bank gets a superb consumer satisfaction score due to relatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

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

SmartAsset Average: 4.8

Coulee Bank ranks as a small bank owning $356 million in assets and deposits totaling $288 million. Its Texas Ratio is 3.05%, indicating that Coulee Bank is in excellent financial health and far from failure. Additionally, Coulee Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

High Risk 75% 50% 20% 10% Low Risk

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 Coulee Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.1% APY $200
Certificates of Deposit
  • 12 Month: 0.35% APY
  • 24 Month: 0.65% APY
  • 36 Month: 1.00% APY
$10000 for all terms
Money Market Account 0.1% APY $1000

Coulee Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Coulee Bank does not have the best savings rate, which means you should think about 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. Coulee Bank's CD rates are fair compared to the national average.

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Find a Coulee Bank Near Me

Coulee Bank has seven physical branches in the U.S.

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