Loading
Tap on the profile icon to edit
your financial details.

Dubuque Bank and Trust Company Review

Your Details Done
by Updated
We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure We maintain strict editorial integrity in our writing and assessments. This post contains links from our advertisers, and we may receive compensation when you click these links. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone. | Advertiser Disclosure
Dubuque Bank and Trust Company Savings
0.03% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Dubuque Bank and Trust Company was founded in 1935 and is headquartered in Dubuque, Iowa. Dubuque Bank and Trust Company has assets of $1 billion as well as deposits totaling $1 billion, classifying it as a large bank. Dubuque Bank and Trust Company 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 in-person service, in addition to its online and mobile offerings. We gave Dubuque Bank and Trust Company a 3.7 stars out of 5, indicating that it is an acceptable bank choice, but may leave you wanting more. Dubuque Bank and Trust Company provides customers with a mixture of banking products, including savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; other popular banks have higher rates. If you're looking for a checking account for everyday use, Dubuque Bank and Trust Company's standard checking account does not have a monthly fee. Using an institution with free checking and a high savings APY is your best bet for returning the highest income on your deposits while maintaining easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

3.7/5
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

Dubuque Bank and Trust Company has a savings rate of 0.03%, which is fair compared to the national average. Dubuque Bank and Trust Company's one-year CD earns at a rate of 0.20% and the five-year CD has a rate of 1.00%, while its highest-yielding money market account has a rate of 0.03%. Given Dubuque Bank and Trust Company's poor savings rate, you should consider other options to earn more on your deposits.

How Dubuque Bank and Trust Company's Savings Rates Compare

Dubuque Bank and Trust Company Savings 0.03 National Average 0.26 Compare Offers
Back to Overview

Fees

4.1
SmartAsset Average: 4.4

Dubuque Bank and Trust Company typically has average fees in comparison to the average U.S. bank. Dubuque Bank and Trust Company's checking account has no monthly fee, ranking it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it is less than ideal because it has an out-of-network ATM fee of $2.50, which is less than great compared to other U.S. banks. Additionally, Dubuque Bank and Trust Company has an overdraft fee of $35.00, which is on par with the national average overdraft fee. Dubuque Bank and Trust Company unfortunately does not refund out-of-network ATM fees, which means you will be required to locate a Dubuque Bank and Trust Company ATM or eat the fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $2.50 National Average: $1.20
Overdraft Fee $35.00 National Average: $35.00
Back to Overview

Service Quality

3.4
SmartAsset Average: 3.7

Dubuque Bank and Trust Company is a brick-and-mortar bank, with 12 total bank locations in Illinois and Iowa. With mobile and web apps, Dubuque Bank and Trust Company makes mobile banking convenient, even on the go. Dubuque Bank and Trust Company's online and mobile banking platforms receive poor feedback from customers. With 73 ratings across both Apple and Android platforms, the Dubuque Bank and Trust Company mobile app has an overall rating of 2.9 out of 5 (compared to the national average of 3.8). You can utilize Dubuque Bank and Trust Company's mobile app to manage your accounts by looking at account balances, transferring money as well as accessing support representatives. Dubuque Bank and Trust Company receives a superb consumer satisfaction rating based on comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating 2.9/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
Back to Overview

Financial Health

4.6
SmartAsset Average: 4.8

Dubuque Bank and Trust Company is a large bank with assets totaling $1 billion as well as deposits totaling $1 billion. Its Texas Ratio is 9.28%, indicating that the bank is in good financial well-being and unlikely to fail. Additionally, Dubuque Bank and Trust Company is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

9.28%
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.

Back to Overview

Compare Dubuque Bank and Trust Company to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.03% APY $100
Checking Account 0.01% APY $1
Certificates of Deposit
  • 12 Month: 0.20% APY
  • 24 Month: 0.25% APY
  • 36 Month: 0.50% APY
  • 48 Month: 0.75% APY
  • 60 Month: 1.00% APY
$1000 for all terms
Money Market Accounts 0.01% APY 0.03% APY $10000 $15000

Dubuque Bank and Trust Company offers several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Dubuque Bank and Trust Company does not have the best savings rate, which means you should think about other options 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. Dubuque Bank and Trust Company's CD rates are fair compared to the average U.S. bank.

Back to Overview

Find a Dubuque Bank and Trust Company Near Me

Dubuque Bank and Trust Company has 12 physical locations in the U.S.

Back to Overview
Save more with these rates that beat the National Average
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure
Unfortunately, we are currently unable to find savings account that fit your criteria. Please change your search criteria and try again.
Searching for accounts...
Ad Disclosure