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Crockett National Bank Review

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Crockett National Bank Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Crockett National Bank was founded in 1983 and its headquarters are located in San Antonio, Texas. Crockett National Bank has $663 million in assets as well as deposits totaling $452 million, ranking it as a medium-size bank. Crockett National Bank has above-average access to customer service with all-day support available, great for getting help during the work week. It is a traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. SmartAsset experts rated Crockett National Bank 4.3 out of 5 stars, suggesting it is a solid pick to be your bank. Crockett National Bank provides customers with a diverse array of product offerings, including savings accounts, checking accounts, money market accounts, CDs and mortgage products. Crockett National Bank has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, Crockett National Bank's most basic checking does not have a monthly maintenance charge. Institutions that offer free checking as well as a high interest rate savings account are the best bet for gaining the highest income from your deposits alongside easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.3/5
National Average: 4.1

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

Rates

3.2
SmartAsset Average: 3.5

Crockett National Bank has a savings rate of 0.15%, which is poor in comparison to other U.S. banks. Its one-year CD earns at a rate of 0.65% and the five-year CD earns at a rate of 0.65%, while its highest-yielding money market account earns at a rate of 0.10%. Given its noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

How Crockett National Bank's Savings Rates Compare

Crockett National Bank Savings 0.15 National Average 0.26 Compare Offers
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Fees

4.7
SmartAsset Average: 4.4

On average, Crockett National Bank charges customers extremely low fees in comparison to the average U.S. bank. With no monthly fee, Crockett National Bank is ideal for people who want a basic checking account. For those who often withdraw cash from the ATM, it is good because it has an out-of-network ATM fee of $1.00, which is solid in comparison to the national average. Also, at $30.00, it has a significantly lower overdraft fee compared to the average overdraft fee charged by U.S. banks. Crockett National Bank unfortunately doesn't reimburse out-of-network ATM charges, which means you'll be required to search for a Crockett National Bank ATM or pay the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $1.00 National Average: $1.20
Overdraft Fee $30.00 National Average: $35.00
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Service Quality

4.1
SmartAsset Average: 3.7

Crockett National Bank is a brick-and-mortar bank, with five total branches in Texas. It also offers access to mobile and web apps for straightforward access and banking on the go. It has access to all-day customer service. Crockett National Bank's online and mobile banking services receive fair marks from customers. The Crockett National Bank mobile app has an overall rating of 3.8 out of 5 (with 13 ratings on Apple and Android) compared to the national average of 3.8. Crockett National Bank's mobile app allows you to control your funds by looking at account balances, transferring funds as well as accessing customer service. Crockett National Bank receives 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 3.8/5
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

Crockett National Bank is currently a medium-size bank with $663 million in assets and deposits totaling $452 million. It has an excellent Texas Ratio of 0.04%, indicating that the bank is in terrific financial condition and unlikely to fail. Additionally, Crockett National Bank 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 Crockett National Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $100
Checking Account 0.05% APY $1000
Certificates of Deposit
  • 12 Month: 0.65% APY
  • 24 Month: 0.65% APY
  • 36 Month: 0.65% APY
  • 48 Month: 0.65% APY
  • 60 Month: 0.65% APY
$500 for all terms
Money Market Accounts 0.1% APY 0.1% APY $10000 $15000

Crockett National Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs that provide you with many options to manage your money. Crockett National Bank 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. Crockett National Bank's CD rates are fair in comparison to the national average.

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Find a Crockett National Bank Near Me

Crockett National Bank has five locations in the U.S.

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