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Dubuque Bank and Trust Company Review

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Dubuque Bank and Trust Company Savings
0.01% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

Dubuque Bank and Trust Company first started operating in 1935 with its headquarters in Dubuque, Iowa. It owns assets of $1 billion along with deposits totaling $1 billion, classifying it as a large bank. Dubuque Bank and Trust Company lacks premium access to support representatives, with no live chat or all-day service options available. 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. With an average 3.7 out of 5 stars, Dubuque Bank and Trust Company proves it is a bank with better alternatives. Dubuque Bank and Trust Company offers the complete package of product offerings, including 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, the bank's most basic checking does not carry a monthly maintenance charge. Finding a bank with no-fee checking as well as a high interest rate savings account is your best option for gaining the highest income from your deposits while having convenient access to your money.

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

With a savings rate of 0.01%, Dubuque Bank and Trust Company ranks poorly compared to the average U.S. bank. Its 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 earns at a rate of 0.03%. Given its below average savings rate, you should think about other options to earn more on your deposits.

How Dubuque Bank and Trust Company's Savings Rates Compare

Dubuque Bank and Trust Company Savings 0.01 National Average 0.26 Compare Offers
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Fees

4.1
SmartAsset Average: 4.4

Dubuque Bank and Trust Company charges customers average fees in comparison to the national average. Its checking account has no monthly fee, rating it excellent for anyone looking for a hassle-free account. For those who visit the ATM often, it is not ideal because it charges an out-of-network ATM fee of $2.50, which is not ideal in comparison to the national average. Additionally, at $35.00, Dubuque Bank and Trust Company's overdraft fee is lower than the average U.S. overdraft fee. Dubuque Bank and Trust Company doesn't reimburse out-of-network ATM charges, which means you will be required to locate a Dubuque Bank and Trust Company ATM or accept the cost of withdrawal.

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
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Service Quality

3.4
SmartAsset Average: 3.7

Dubuque Bank and Trust Company is a brick-and-mortar bank, with 12 total branches in Illinois and Iowa. With mobile and web apps, Dubuque Bank and Trust Company makes mobile banking straightforward, even on the go. Dubuque Bank and Trust Company gets inferior feedback from users for its mobile banking services. With 73 customer reviews across iOS 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). Dubuque Bank and Trust Company's mobile app lets you control your bank accounts by monitoring current statements, sending and receiving money and reaching customer service. Dubuque Bank and Trust Company receives a superb consumer satisfaction rating due to comparatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government financial 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
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Financial Health

4.6
SmartAsset Average: 4.8

Dubuque Bank and Trust Company is currently a large bank and manages $1 billion in assets and $1 billion in deposits. Dubuque Bank and Trust Company has a strong Texas Ratio of 9.28%, indicating that the bank is in good financial condition and far from failure. 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.

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Compare Dubuque Bank and Trust Company to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.01% 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 Account 0.01% APY $10000

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 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. Dubuque Bank and Trust Company's CD rates are fair in comparison to the average U.S. bank.

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Find a Dubuque Bank and Trust Company Near Me

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

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