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CTBC Bank Corp. (USA) Review

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CTBC Bank Corp. (USA) Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

CTBC Bank Corp. (USA) was founded in 1965 and has its headquarters in Los Angeles, California. It has $3 billion in assets along with deposits totaling $3 billion, making it a large bank. CTBC Bank Corp. (USA) lacks premium access to support representatives, 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 offerings. Coming in at a poor 3.4 stars out of 5, CTBC Bank Corp. (USA) is a lower-rated bank that might not serve all your needs. CTBC Bank Corp. (USA) provides customers with numerous banking products, which include savings accounts, checking accounts, money market accounts and mortgage products. CTBC Bank Corp. (USA) has a fair savings rate; you can find higher rates with other banks. Finding an institution with free checking, in addition to a high savings APY is the best option for returning the most income from your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

3.4/5
National Average: 4.1

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

Rates

2.8
SmartAsset Average: 3.5

CTBC Bank Corp. (USA) has a savings rate of 0.05%, which is poor as compared against the national average. Its one-year CD has a rate of 0.25% and the five-year CD has a rate of 1.17%, while its highest-yielding money market account has a rate of 0.15%. Given its poor savings rate, you should consider other options to earn more on your deposits.

How CTBC Bank Corp. (USA)'s Savings Rates Compare

CTBC Bank Corp. (USA) Savings 0.05 National Average 0.26 Compare Offers
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Fees

NR
SmartAsset Average: 4.4

There is insufficient data on CTBC Bank Corp. (USA)'s fees to provide a full SmartAsset rating.

Monthly Fee N/A 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

2.5
SmartAsset Average: 3.7

CTBC Bank Corp. (USA) is a brick-and-mortar bank, with 13 total bank locations in California, New Jersey and New York. It also offers access to mobile and web apps for a simple mobile-banking experience. It does not have all-day customer service with representatives. You can get help during its hours, which are Monday through Friday and 9:00 a.m. to 4:00 p.m. PT. You can access CTBC Bank Corp. (USA)'s mobile app to manage your funds by reviewing account balances, sending and receiving funds as well as reaching customer service. CTBC Bank Corp. (USA) receives a superb consumer satisfaction score based on comparatively few complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-sponsored 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

5.0
SmartAsset Average: 4.8

CTBC Bank Corp. (USA) ranks as a large bank and has $3 billion in assets as well as $3 billion in deposits. CTBC Bank Corp. (USA)'s Texas Ratio is 0.93%, indicating that the bank is in outstanding financial well-being and unlikely to fail. Additionally, CTBC Bank Corp. (USA) 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 CTBC Bank Corp. (USA) to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $1000
Checking Account 0.05% APY $1000
Certificates of Deposit
  • 12 Month: 0.25% APY
  • 24 Month: 0.40% APY
  • 36 Month: 0.75% APY
  • 48 Month: 1.11% APY
  • 60 Month: 1.17% APY
$1500 for all terms
Money Market Account 0.15% APY $10000

CTBC Bank Corp. (USA) has several deposit products including savings accounts, checking accounts and money market accounts to give you many options to manage your money. CTBC Bank Corp. (USA) 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. CTBC Bank Corp. (USA)'s CD rates are fair compared to other U.S. banks.

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Find a CTBC Bank Corp. (USA) Near Me

CTBC Bank Corp. (USA) has 13 physical branches in the U.S.

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