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First State Bank of Uvalde Review

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First State Bank of Uvalde Savings
0.35% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

First State Bank of Uvalde started in 1907 and its headquarters are located in Uvalde, Texas. First State Bank of Uvalde has assets of $2 billion and deposits totaling $1 billion, ranking it as a large bank. First State Bank of Uvalde lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile offerings. With a score of 4.5 out of 5 stars, First State Bank of Uvalde should be solidly in contention for your choice of bank. First State Bank of Uvalde has a mixture of product offerings, including savings accounts, checking accounts, CDs, IRAs and mortgage products. It has a fair savings rate compared to the average savings account. If you're looking for a checking account for everyday use, First State Bank of Uvalde offers an option without a maintenance or monthly fee. Banks that offer free checking as well as a high savings APY are your best option for returning the most income from your deposits alongside easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

4.5/5
National Average: 4.1

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

Rates

3.8
SmartAsset Average: 3.5

First State Bank of Uvalde has a savings rate of 0.35%, which is fair compared to the average U.S. bank. First State Bank of Uvalde's CD rates are 0.90% and 1.56% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account earns at a rate of 0.55%. Given First State Bank of Uvalde's noncompetitive savings rate, you should consider taking a look at other banks for savings accounts.

How First State Bank of Uvalde's Savings Rates Compare

First State Bank of Uvalde Savings 0.35 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

First State Bank of Uvalde generally has extremely low fees compared to other U.S. banks. With no monthly fee, First State Bank of Uvalde is perfect for those who want a simple checking account. First State Bank of Uvalde unfortunately doesn't refund out-of-network ATM fees, meaning you'll need to locate a First State Bank of Uvalde ATM or accept the fee.

Monthly Fee $0 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

4.2
SmartAsset Average: 3.7

First State Bank of Uvalde is a brick-and-mortar bank, with eight total bank locations in Texas. It also offers access to mobile and web apps for simple access and banking on the go. First State Bank of Uvalde's online and mobile banking services receive fairly decent ratings from customers. Out of 38 customer reviews on both Apple and Android platforms, the First State Bank of Uvalde mobile app has an overall rating of 4.4 out of 5 (compared to the national average of 3.8). You can utilize First State Bank of Uvalde's app to manage your funds by checking current statements, transferring money and accessing customer service. First State Bank of Uvalde receives an exceptional consumer satisfaction rating based on comparatively few consumer complaints registered with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating 4.4/5
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

First State Bank of Uvalde is a large bank and handles assets totaling $2 billion as well as deposits totaling $1 billion. First State Bank of Uvalde has an excellent Texas Ratio of 0.37%, indicating that First State Bank of Uvalde is in terrific financial health and unlikely to fail. Additionally, First State Bank of Uvalde 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 First State Bank of Uvalde to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.35% APY $100
Checking Account 0.35% APY $1000
Certificates of Deposit
  • 12 Month: 0.90% APY
  • 24 Month: 1.06% APY
  • 36 Month: 1.41% APY
  • 48 Month: 1.51% APY
  • 60 Month: 1.56% APY
$1000 for all terms
Money Market Account 0.55% APY $1500

First State Bank of Uvalde offers several deposit products including savings accounts, checking accounts and CDs that provide you with many options to manage your money. First State Bank of Uvalde 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. First State Bank of Uvalde's CD rates are fair compared to the average U.S. bank.

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Find a First State Bank of Uvalde Near Me

First State Bank of Uvalde has eight locations across the U.S.

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